If you allow your members to set up an auto-funds transfer (AFT) to take their RMD distribution directly from an IRA certificate, CU*BASE will allow funds to be pulled from the certificate's principal balance until the account is depleted.

However, it’s important to remember that because of the way available balance is calculated for certificates (principal is not considered “available” for withdrawal, only dividends), the account might show a negative amount as the net available. You will need to make this clear to the member when setting up an RMD directly from a CD. 

If you wish to avoid this, we recommend moving funds from a certificate to an IRA savings account before setting up the RMD automated transfer.