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REDDIT

Convert CD to custodial account?

E
Jan 12, 2026 · 19:00

Is it possible to convert a CD in my primary name to a custodial account for my kids?

I have quite a few CDs I've purchased for my kids over the years, but to my own ignorance, I didn't set them up as custodial accounts. I am paying taxes on the thousands of dollars of interest. Can I convert them to custodial accounts without cashing them out?