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 BluPeak Credit Union Financial Consultant to see how Term Certificates might fit within your overall retirement plan.