It is impossible to close the CD account without getting charged.First of all, you have to wait on the phone to talk to a rep for over 40 minutes.
When on, he/she does not give you accurate information. I asked the rep how to close my CD which matures in 5 days. He told me to send them a letter simply stating, "My CD is mature, please close it and transfer the money back to my orginial checking account (non-Countrywide)." So I did that. Little do I know, I checked my checking account, and I was charged $30 for a "wire-transfer" fee.
The rep did not tell me that there was a fee!! Nor did he reveal the other option to closing an account which is to have them mail you a check (which costs nothing). I called again to complain, and had to wait another 40 minutes to talk to a rep, have her put me on hold for another 20 minutes, and zip...
moral of the story, do not chose IndyMac for any services!!