1. As a preliminary step, you could Google something like “cashing in a CD early” or “cashing in a Commodities CD” — use your imagination — and see what that turns up. You may get help from an officer in the bank you use in your community.
2. Look at your papers and determine the location of the EverBank office you dealt with when you bought your Commodities CD. It may have been Jacksonville, FL or St. Louis, MO, or somewhere else.
3. Find out the name, address and telephone number of the department in that state that supervises banks.
4. Contact that department, get the name of the person you speak to, the date of your conversation, etc., and explain what has happened, what you would like to do, etc., and ask how you move that CD. Now there very well may be a penalty for “cashing in” the CD before its term is up. Assume you can do what you want to do. So your position is not: CAN I do this, but: HOW do I do this. You should receive “official” information about your situation and you can proceed from there.