If you have an All Savers certificate maturing on, you would be well advised to check your contract for an automatic rollover provision. If it has one, you have only a week from maturation to claim your funds.

According to federal regulators, both banks and savings and loans are allowed to automatically roll over All Savers certificates at the prevailing rate without notifying customers, if the contract so provides.

A customer who delays deciding what to do with a maturing account may find that, after a seven-to-10-day grace period, the funds cannot be redeemed without penalty because they have been deposited in a new one-year All Savers account. The standard penalty is three months' interest on the entire balance, earned or not.

Some contracts provide that the certificate will be automatically renewed unless the customer is notified 15 days before maturity that it will not be renewed. The automatic rollover provision applies only until the All Savers program expires Dec. 31.

The Treasury Department said yesterday the next All Savers interest rate will be 7.48 percent.

Institutions also have the option of not renewing All Savers certificates. If the investor takes no action, savings and loans can put the funds in a passbook account paying 5 1/2 percent. Banks are not required to pay any interest after the date of maturity and could put the funds in a non-interest bearing account.