Invest with Confidence
The Investment portal within our Digital Banking Platform is a simple, and secure way for members to invest in and learn more about securities.
Fast · Easy · Secure
Invest with Confidence
We’re excited to partner with InvestiFi, a technology provider, to offer our members the opportunity to connect to an investment portal to buy, sell, and hold stocks directly through our digital banking platform*. Whether you’re looking to grow your portfolio or start investing for the first time, we’ve made the tools and resources available to help.
Connect to the Investment Portal through your Digital Banking Account!
Some of the advantages of the investment portal though United Financial Credit Union are:
- Convenient Access: Access to the investment portal is easy allowing you to manage your investments right inside your Digital Banking Account.
- Range of Options: Explore a variety of stocks and ETFs.
Ready to start investing? It’s easier than ever.
Log in to your digital banking account or contact us today to learn more!
Invest smart. Invest with confidence.
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Ready to purchase Securities? Log into online banking to get started!
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Securities and the Stock Market
Securities are regulated financial instruments that represent can ownership, debt, or other rights, and that can be traded. They include a variety of investments, such as stocks, bonds, and derivatives.
Securities can be broadly categorized into the following categories:
- Equity securities represent ownership in a company through shares of capital stock which allow holders to share in the ownership of a company, including any revenue or dividends.
- Debt securities represent borrowed money that can be bought or sold under fixed terms; these include, but are not limited to, government and corporate bonds, CDs, and collateralized securities.
- Hybrid securities combine equity and debt features, like convertible bonds and preferred shares, offering fixed returns but often treated as fixed-income instruments.
- Derivative securities are financial contracts whose value depends on the performance of an underlying asset, such as stocks, bonds, commodities, or currencies.
- Asset-backed securities are investments that derive value from a pool of income-generating assets, such as mortgages, credit card debts, loans, etc., that distribute cash flows to investors.
Only equity securities are offered through InvestiFi’s platform. While the above descriptions represent various types of investments and their characteristics, all securities and investments include risks, including risks of loss of principal.
Stock trading, or the buying and selling of stocks, is one of the most common forms of investing in securities. Each stock share represents ownership of a public corporation, giving the shareholder claim to a portion of the company’s assets and profits, but also subjecting shareholders to risks, including volatility and economic and company factors. If you’re looking to invest in stocks or other securities, you can learn more about the securities options available at InvestiFI through our online and mobile banking platform.
Where do I access the Investment Platform?
You can access the United Financial CU Investment/Crypto Portal in our online or mobile banking app. You will see Investment/Crypto Portal on the left side menu.
What do I need to do to start investing?
First, you will need to enter into an advisory relationship with AdvisiFi, and open a brokerage account with CDS1 Securities LLC (“CDS1”) to get started. **CDS1 Securities accounts are carried by RQD clearing. On the home screen click “Create Account”. Complete your profile by filling out the questions and agreeing to the terms of the CDS1 and RQD customer agreements. Press Submit and continue. Once your account is approved, you will be ready to place your first trade! Press “Start Investing” to begin trading.
Can I trade on stock market holidays, bank holidays, and stock market half-days?
No, trading will be closed on the US market holidays. You won’t be able to trade on these days.
Can I transfer outside assets into the investment portal?
Yes. Please contact CDS1 Securities LLC, your broker-dealer, to receive an Account Transfer Form. Please have ready your most recent account statement for the assets you wish to transfer.
To ensure ease and safety, cryptocurrency cannot be sent outside of the financial institution due to security and regulatory reasons.
Am I able to place limit orders or other order types?
CDS1 Securities currently limits buys and sells to market orders only. Limit orders and other order types may be available in the future.
Are my investments taxable?
Your financial institution does not provide tax advice. For specific questions, you should consult a tax professional. You can find your consolidated transaction history in the documents section of the investment portal which can be used as a record of gains and losses received from trades.
Where are my investments stored?
The cash and securities are held in your brokerage account at a qualified custodian, RQD* Clearing LLC. RQD is the executing broker of trades and custodies assets of all customers on behalf of CDS1. Please review your CDS1 Securities customer agreement for more information
Can anyone trade securities?
Only members over the age of 18 and in good standing with the financial institution can buy/sell/hold securities. Commercial accounts may not be used.
Crypto being held with our qualified custodians is not used for any other purposes and is there for you when you want to sell it.
Is my financial institution a registered broker-dealer?
NO, United Financial Credit Union is not a broker dealer, does not offer the investments and the investments are not insured by the NCUA. All securities and brokerage services are offered by CDS1 Securities LLC, member FINRA/SIPC.
What happens to my portfolio if I close my credit union account?
You will have to either sell or liquidate all of your account positions or transfer whole shares to another broker-dealer before you close your credit union membership. Otherwise, you will need to speak with CDS1 regarding trades in your brokerage account after your credit union account has been closed. Please see the CDS1 Customer Agreement or speak with a CDS1 for more information on closing your account.
Buy and sell transactions and dividends paid are only able to be posted to a checking account at United Financial Credit Union. Closing the checking account will result in 1) the inability to place an order to buy a security and 2) sell transactions and dividends not being deposited to your Credit Union account
Can I buy a fractional share of a stock?
Yes, you can buy fractional shares as low as $1.00.
Why did I receive a deposit even though I didn’t sell an asset?
Depending on the assets you hold, you may receive dividends or cash disbursement due to a corporate action. You may also receive a return of cash that is excess funds left over by a purchase of an asset.
I received an email that I am not sure if legitimate, or got a phone call, how can I tell?
Members will receive emails in accordance with regulations from CDS1, AdvisiFi or RQD Clearing or phone calls from CDS1. Examples of those communications include:
- AdvisiFi will email you if there are material changes to regulatory related communications such as the Customer Relationship Summary or the Disclosures Brochure. They will also contact you if there are questions about your investment profile.
- CDS1 will email or call you if there are servicing related questions including clarification of questions answered during onboarding.
- RQD will email you to notify you that your statement and / or confirmation is ready for review.
If you ever have questions about the legitimacy of a call or email, you can reach United Financial directly and we will connect you to the appropriate contact.
Available for Personal Accounts 18 and over.
Investment advisory services provided by AdvisiFi, LLC (“AdvisiFi”), an SEC-registered investment adviser. Securities and brokerage products offered by CDS1 Securities LLC (“CDS1”) and RQD* Clearing LLC (“RQD”), SEC-registered broker-dealers and members FINRA/SIPC. AdvisiFi, CDS1 and RQD are not affiliates of United Financial Credit Union (“Credit Union”). The Credit Union does not provide investment advisory or brokerage services, and nothing on this website should be considered an offer, solicitation of an offer, or advice to buy or sell securities or investment products or to open an investment account.
Cash and securities held by RQD are (1) not insured by the FDIC, NCUA or other government agency, (2) not guaranteed, (3) not United Financial Credit Union deposits or obligations, and (4) may lose value. Securities are not depository products, are not insured by the NCUA, and may lose value. Securities and investments offered by CDS1 involve risk, including possible loss of principal.
Brokerage services are available only to residents of the United States and in jurisdictions where CDS1 is registered.
Please visit [InvestiFi.co/legal] for applicable terms, conditions and important disclosures.
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