Do I have to file a 1099 for cashing a cd?
No, cashing a CD does not count as selling an investment.
You should receive a form 1099-INT. And the income is taxed as interest at the rate for ordinary income.
some brokers will issue a 1099-B for the sale of CDs (banks don't) if it does you'll need to enter it so the IRS doesn't send you a notice.
Was it an IRA CD? If so, they might have sent you a 1099-R.
if you have an amount in box 11, it is reported as interest but also goes on your form 8949.
It's complicated.