[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"detail-sidebar-cat-1-en-105":3,"doc-seo-278826-105":53,"doc-detail-278826-en":126},{"code":4,"msg":5,"data":6},0,"success",[7,14,19,24,29,34,39,44,49],{"id":8,"doc_module":9,"doc_module_name":10,"category_name":11,"show_sort_weight":12,"slug":13},11,1,"Template","Presentations",90,"presentations",{"id":15,"doc_module":9,"doc_module_name":10,"category_name":16,"show_sort_weight":17,"slug":18},12,"Resumes",80,"resumes",{"id":20,"doc_module":9,"doc_module_name":10,"category_name":21,"show_sort_weight":22,"slug":23},14,"Invoices",70,"invoices",{"id":25,"doc_module":9,"doc_module_name":10,"category_name":26,"show_sort_weight":27,"slug":28},15,"Posters",60,"posters",{"id":30,"doc_module":9,"doc_module_name":10,"category_name":31,"show_sort_weight":32,"slug":33},16,"Social Media",50,"social-media",{"id":35,"doc_module":9,"doc_module_name":10,"category_name":36,"show_sort_weight":37,"slug":38},17,"Forms",40,"forms",{"id":40,"doc_module":9,"doc_module_name":10,"category_name":41,"show_sort_weight":42,"slug":43},18,"Letters",30,"letters",{"id":45,"doc_module":9,"doc_module_name":10,"category_name":46,"show_sort_weight":47,"slug":48},21,"Paper Templates",5,"papers-templates",{"id":50,"doc_module":9,"doc_module_name":10,"category_name":51,"show_sort_weight":4,"slug":52},158,"General","general-158",{"code":4,"msg":54,"data":55},"ok",{"site_id":56,"language":57,"slug":58,"title":59,"keywords":60,"description":61,"schema_data":62,"social_meta":119,"head_meta":121,"extra_data":123,"updated_unix":125},105,"en","cd-renewal-letter-january-2026-term-deposit-cd-renewal-and-disclosure-information","CD Renewal Letter - January 2026 - Term Deposit (CD) Renewal and Disclosure Information","","CD renewal notification and account disclosure providing terms for how a Salem Five Term Deposit (Certificate of Deposit) renews at maturity, including the 10-day grace period for renewing, withdrawing, or transferring without penalty. Explains that “Special” CDs renew into “Regular” CDs per the renewal schedule, and that the applicable interest rate/APY will be set as of the maturity date. Includes account change instructions and key disclosure sections such as interest calculation, availability timing, and renewal policy.",{"@graph":63,"@context":118},[64,80,101],{"@type":65,"itemListElement":66},"BreadcrumbList",[67,71,74,77],{"item":68,"name":69,"@type":70,"position":9},"https://docshare.wps.com","Home","ListItem",{"item":72,"name":10,"@type":70,"position":73},"https://docshare.wps.com/template/",2,{"item":75,"name":41,"@type":70,"position":76},"https://docshare.wps.com/template/letters/",3,{"item":78,"name":59,"@type":70,"position":79},"https://docshare.wps.com/template/cd-renewal-letter-january-2026-term-deposit-cd-renewal-and-disclosure-information/278826/",4,{"url":78,"name":59,"@type":81,"image":82,"author":87,"headline":59,"publisher":90,"fileFormat":93,"inLanguage":57,"description":61,"dateModified":94,"datePublished":95,"encodingFormat":93,"isAccessibleForFree":96,"interactionStatistic":97},"DigitalDocument",{"url":83,"@type":84,"width":85,"height":86},"https://docshare.wps.com/thumbnails/cd-renewal-letter-january-2026-term-deposit-cd-renewal-and-disclosure-information/278826.png","ImageObject",442,249,{"name":88,"@type":89},"Oliver Hayes","Person",{"url":68,"name":91,"@type":92},"DocShare","Organization","application/pdf","2026-10-30","2026-09-15",true,{"@type":98,"interactionType":99,"userInteractionCount":30},"InteractionCounter",{"@type":100},"ViewAction",{"@type":102,"mainEntity":103},"FAQPage",[104,110,114],{"name":105,"@type":106,"acceptedAnswer":107},"What happens to my CD at maturity if I do not change anything?","Question",{"text":108,"@type":109},"Your Term Deposit Account automatically renews at maturity unless you instruct otherwise or unless the bank notifies you differently. For terms over 31 days, written notification is sent before maturity.","Answer",{"name":111,"@type":106,"acceptedAnswer":112},"Do “Special” CDs renew differently than regular CDs?",{"text":113,"@type":109},"Yes. “Special” CDs renew into “Regular” CDs on standard terms as listed in the renewal schedule. The example states a 13-month Special CD renews into a 12-month Regular CD.",{"name":115,"@type":106,"acceptedAnswer":116},"What options do I have during the 10-day grace period after maturity?",{"text":117,"@type":109},"During the grace period, you can renew the account, withdraw the funds, or transfer the funds to another account without penalty. Interest is not paid during the grace period unless the account is renewed during that time.","https://schema.org",{"og:url":78,"og:type":120,"og:title":59,"og:site_name":91,"og:description":61},"article",{"robots":122,"canonical":78},"index,follow",{"doc_id":124,"site_id":56},278826,1790467145,{"code":4,"msg":5,"data":127},{"doc_id":124,"user_id":128,"nickname":88,"user_avatar":129,"doc_module":9,"category_id":40,"category_name":41,"doc_title":59,"doc_description":61,"doc_content":130,"file_id":131,"file_url":132,"file_type":133,"file_size":134,"view_count":30,"is_deleted":4,"is_public":9,"is_downloadable":9,"audit_status":9,"page_count":73,"language":135,"language_code":57,"site_id":56,"html_lang":57,"table_of_contents":136,"faqs":137,"seo_title":138,"seo_description":61,"update_tm":139,"read_time":9},687207020761,"https://ap-avatar.wpscdn.com/davatar_155a257f0dc6eb9ab79c44ca47cae57d","Dear Valued Customer:  \nThank you for allowing Salem Five to serve your financial needs. The following is important account information regarding your Certificate of Deposit (CD), due to mature soon.  \nPlease be reminded that on the date of maturity, the accumulated principal balance in your CD will be automatically renewed for the same (or similar) term, and at the interest rate in effect on that date, which has not yet been determined. Please note that “Special” CDs will renew into “Regular” CDs and standard terms as noted in the renewal schedule on the back of this letter. For example, a 13-month Special CD will renew into a Regular 12-month CD.  \nIf you wish to make changes, you may do [so by going to SalemFive.com/CDRenewal](so by going to SalemFive.com/CDRenewal), visiting a branch, or by completing and returning the form below within the 10-day grace period after the date of maturity.  \nOnce you select a new term for a renewal, the interest rate / annual percentage yield in effect for that term as of the CD’s maturity date will be applied, retroactive to the date on which it matured.  \nIf you do not wish to renew the CD, you may close the account within the same 10-day grace period without penalty. Please be reminded that in the event of an account closure, no interest will be paid for the days the account remains open during the grace period. If you withdraw any portion of the principal balance after the 10-day grace period, please be aware that a fee may apply.  \nShould you have any questions regarding your maturing CD, rate information, or if you would like to discuss anyother banking needs or concerns, please do not hesitate to contact our Customer Contact Center at 1-800-850- 5000.  \nThank you for your business.  \nSincerely,  \nJoseph Riley  \nExecutive Vice President, Retail Banking  \nPlease complete and return this form ONLY if you wish to make a change to your maturing CD.  \nAccount Number:    \nChange the term or type of my CD to  . I understand that the interest rate will be the rate available for this term as ofthe maturity date of my renewing Certificate.  \nOther:   Signature of account holder:   Print name of account holder:   Address:   City:   State:   Zip:    \nDaytime telephone number:   Email address:    \nReturn this form to Salem Five, 210 Essex Street, Salem, MA 01970 Attn: Customer Service  \nSALEM FIVE BANK  \nTERM DEPOSIT (CD)ACCOUNT DISCLOSURE INFORMATION  \nThis disclosure describes the terms and features of the Term Deposit Account you have selected. Please refer to our Consumer Banking Services Agreement, our current Fee Schedule, and if applicable your I.R.A. Plan Agreement for additional information of importance to you.  \nIn this disclosure, the words, \"you\" and \"your\" refer to the consumer who maintains a deposit account with the Bank. The words \"we\" and \"us\"refer to Salem Five Cents Savings Bank.  \nIf you have any questions about information provided here, please allow a bank representative to answer them for you.  \nRenewal Policy for All Term Deposit Accounts: Your account will automatically renew at maturity unless we are otherwise instructed by you or unless you are otherwise notified by us.  \nFor Term Deposit Accounts with terms greater than 31 days, notification will be sent to you in writing prior to the maturity date of your account. You will have a grace period of 10 calendar days after maturity to renew the account, withdraw the funds, or transfer the funds to another account without penalty. Interest will not be paid on the account during the grace period unless it is renewed during the grace period.  \nIf you do not instruct us in writing as to how to handle your account on or prior to the maturity date, we will renew the account based on the renewal schedule noted below. Please note that “Special” CDs will renew into “Regular” CDs at standard terms. The interest rate will be the interest rate offered on the maturity date.  \n\n| Existing Term | Term Upon Renewal |\n| --- | --- |\n| 3-5 mo","cbCaisQVPyqgdUiR","https://ap.wps.com/l/cbCaisQVPyqgdUiR","pdf",122104,"English","# CD Renewal Notification\n## Changes and Grace Period\n## Renewal Policy and Renewal Schedule\n## Interest Rate, APY, and Balance Calculation\n## Account Terms and Disclosure Information","[{\"question\":\"What happens to my CD at maturity if I do not change anything?\",\"answer\":\"Your Term Deposit Account automatically renews at maturity unless you instruct otherwise or unless the bank notifies you differently. For terms over 31 days, written notification is sent before maturity.\"},{\"question\":\"Do “Special” CDs renew differently than regular CDs?\",\"answer\":\"Yes. “Special” CDs renew into “Regular” CDs on standard terms as listed in the renewal schedule. The example states a 13-month Special CD renews into a 12-month Regular CD.\"},{\"question\":\"What options do I have during the 10-day grace period after maturity?\",\"answer\":\"During the grace period, you can renew the account, withdraw the funds, or transfer the funds to another account without penalty. Interest is not paid during the grace period unless the account is renewed during that time.\"}]","CD Renewal Letter - January 2026 - Term Deposit (CD) Renewal and Disclosure Information | PDF",1789512811]