Is it a good idea to have Term Certificates in my IRA?

The short answer is — it depends. A broad range of investment options — including term certificates — are permitted in an Individual Retirement Account (IRA), and many experts recommend keeping at least some of your retirement savings in safe, federally-insured investments like Term Certificates. We recommend you check with your tax advisor and USECU Financial Consultant to see how Term Certificates might fit within your overall retirement plan.