I have several CDs in my IRA with different maturities. Can I roll them over to another institution with a better rate as they mature?
The limitation on rollovers applies on a per IRA basis. In general, if an IRA is involved in an IRA-to-IRA rollover, it cannot be involved in another IRA-to-IRA rollover within the next 12-month period. However, this does not prevent the IRA from being moved to another IRA as a trustee-to-trustee transfer. There are no limits on the amount of times you can move assets between your IRAs as a trustee-tot-trustee transfer. In order to transfer the assets, contact the new IRA custodian/trustee and it initiate the transfer. You should avoid having the current custodian issue a check to you as a distribution.
To learn more, read Common IRA Rollover Mistakes.
This question was answered by Denise Appleby