For all practical purposes, the moment of withdrawal. Though the FRB states that "maturity" is not something that applies to these types of accounts. https://ww

For all practical purposes, the moment of withdrawal. Though the FRB states that "maturity" is not something that applies to these types of accounts. https://www.federalreserve.gov/boarddocs/supmanual/cch/200601/int_depos.pdf https://www.federalreserve.gov/boarddocs/supmanual/cch/20060... page 2 That's also why CDs exist. Far easier for FIs to actually do something with the money when you lock up with them and drastically reduce the risk of you withdrawing it. Edit: Fed source.