Stocks & ETF Investing

Stocks & ETF Investing

Coming August 24

Stocks & ETF investing will be available to eligible COPFCU members beginning August 24.

Invest with Confidence

Investing in stocks and exchange-traded funds (ETFs) has never been easier. With digital investing through InvestiFi®, available within COPFCU Online Banking and the Mobile App, eligible COPFCU members can buy and sell stocks and ETFs while managing their everyday banking from one convenient digital experience.

Invest the Way You Want — Self Directed or Guided Investing

Whether you’re an experienced investor or just getting started, the online platform gives you the tools and flexibility to invest the way you want by offering both Self-Directed Investing and Guided Investing.

Self-Directed Investing: You’re in full control with self-directed investing. You choose what to buy and sell and when to execute your trades.

Guided Investing: Guided Investing is an automated solution that builds a diversified portfolio based on the goals, timeline, and risk preferences you provide. It’s designed for members who prefer a hands-off approach to investing.

  • Answer a few simple questions. Tell us about your goals, timeline and risk preferences.
  • Get a Personalized Recommendation. A diversified portfolio will be prepared for you across multiple asset classes to balance risk and return.
  • Get Started & Let It Work. Your portfolio may be automatically rebalanced periodically through the Guided Investing program based on your selected investment strategy, reducing the need for manual portfolio adjustments.
Available August 24
Cryptocurrency investing through COPFCU Digital Banking

Why Members Choose COPFCU for Investing

  • Invest Where You Already Bank. Access stocks and ETFs from the digital banking experience you already know—no separate investing app or additional login required.
  • Easy Funding. Move money directly from your COPFCU checking account to your investment account quickly and conveniently.
  • Built for Every Experience Level. Whether you’re just getting started or expanding your portfolio, the platform provides intuitive tools designed to support investors at every stage.
  • Keep Your Finances Connected. View your banking and investment accounts together in one convenient digital experience, making it easier to stay focused on your long-term financial goals.

Things to Know Before Investing

Investing Involves Risk

The value of stocks and ETFs can rise or fall over time. Past performance does not guarantee future results.

Diversification Matters

Many investors choose a mix of investments to help reduce risk while pursuing long-term financial goals.

Invest for the Long Term

Long-term investing often means staying focused on your financial goals rather than reacting to short-term market changes.

Ready to Start Investing?

Buy, sell, and manage stocks and ETFs from the digital banking experience you already know. Invest where you already bank and keep your financial life connected in one convenient place.

Available August 24

Explore Cryptocurrency with Confidence

Take the guesswork out of cryptocurrency investing. Buy, sell, and manage cryptocurrency directly from COPFCU Online Banking and the Mobile App. Build your cryptocurrency portfolio using funds from your COPFCU checking account—all without the hassle of third-party transfers.

Learn More

FAQs:

Do I need to be an experienced investor to use this platform?

No, you don’t need to be an experienced investor to invest. The platform is designed to be user-friendly and includes tools, research, educational materials and market data to help you make informed decisions.

What types of investments are available?

You can invest in a wide variety of securities including:

  • Stocks
  • Exchange-Traded Funds (ETFs)

How do I access my investing account?

You will access the investing portal inside COPFCU digital banking (online banking or mobile app). Simply login to digital banking to access the investing portal, view balances, trade securities or crypto, and track your investments.

Is there a minimum to open an account?

Self-Directed Investing:  With self-directed investing, you can get started with no minimum investment required; however some securities may have their own purchase requirements.

Guided Investing: With guided investing, you can start a portfolio with as little as $20.

Can I buy a fractional share of stock?

Yes, you can buy fractional shares as low as $1.00.

Are my investments taxable?

COPFCU 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.

Can anyone invest?

Account holders over the age of 18 and in good standing with COPFCU can buy, sell, or hold assets. Commercial accounts and trust accounts are not supported. Account holders residing in TX, ID, or NY are unable to trade.

Can I get help if I have questions?

Yes, support is available if you need help navigating the portal or have technical questions. If you need support related to your investment account, we also offer access to licensed financial professionals.

Is COPFCU a registered broker-dealer?

No, COPFCU is not a broker-dealer, does not offer the investments, and the investments are not insured by NCUA. All securities and brokerage services are offered by InvestiFi Securitites, member FINRA/SIPC.

Are stocks and ETFs insured?

No. Stocks and ETFs are not federally insured by the NCUA or FDIC. They are also not deposits or obligations of COPFCU, are not guaranteed by the credit union, and may lose value.

What is the relationship between COPFCU and InvestiFi?

COPFCU has partnered with InvestiFi to integrate its digital investing platform into digital banking (online banking and mobile apps). This allows you to access InvestiFi’s learning and investing tools directly from within your banking interface and to invest directly from your checking account without having to transfer money to a third-party app.

Important Legal Disclaimer

Investment advisory services provided by AdvisiFi, LLC (“AdvisiFi”), an investment adviser registered with the Securities and Exchange Commission (“SEC”). Registration does not imply a certain level of skill or training. AdvisiFi is a wholly-owned subsidiary of InvestiFi Inc (“InvestiFi”). Brokerage services are provided by InvestiFi Securities LLC (“InvestiFi Securities”) and RQD* Clearing LLC (“RQD”), SEC-registered broker-dealers and members of FINRA/SIPC. Brokerage services are available only to residents of the United States and in jurisdictions where InvestiFi Securities is registered. Brokerage and advisory accounts are not held with the financial institution and are held with AdvisiFi, InvestiFi Securities, and RQD, respectively. You may check the background of these firms by visiting FINRA’s BrokerCheck. Cash and securities offered by InvestiFi Securities and held by RQD are (1) not insured by the FDIC, NCUA or other government agency, or by any private insurance offered in lieu of FDIC or NCUA coverage, (2) not guaranteed, (3) not financial institution deposits or obligations, and (4) may lose value.

Digital assets (cryptocurrencies) are made available and held in a digital asset wallet operated by BitGo Bank & Trust, National Association (N.A.) (“BitGo”), not Cincinnati Ohio Police Federal Credit Union (COPFCU), InvestiFi, or its affiliates. BitGo is a separate entity from, and not an affiliate of, COPFCU or InvestiFi. Digital assets are (1) not federally or privately insured; (2) not obligations of COPFCU or BitGo; (3) not guaranteed by COPFCU or BitGo; (4) heavily speculative and volatile; (5) may have associated fees; (6) may not allow member recourse; and (7) by a third party. COPFCU may receive compensation from your purchase of digital assets. Digital assets (i.e., cryptocurrencies) held in your digital asset wallet operated by BitGo (i.e. Crypto ) are not insured by any government or private entities, including, but not limited to, NCUA or ASI/ESI. Your digital investing does not support wallet-to-wallet transferring of your digital assets (i.e. Cryptocurrencies). You should carefully consider whether buying or holding digital assets is suitable for you, given your financial situation. Digital assets are not obligations of COPFCU or BitGo and are not guaranteed by COPFCU or BitGo.