For 75 years the Westerra Credit Union has counseled "prudent use of money." Nine members of my family and I are following that advice. Our portfolio includes checking, regular savings, money market, certificates of deposit (not depreciation as CDs were once disparagingly described), Roth IRAs for the grandchildren and Coverdell Education Savings for the great-grandchildren. There has never been concern for the safety of our money. We sleep soundly in that knowledge.