That Investing Disclosure Is LONG…

Investing can already feel a little intimidating. Add a very long disclosure to the mix, and it’s easy to wonder, “Do I really want to keep going?”

We get it. But don’t let the fine print discourage you.

Educational Community Alliance Credit Union recently launched digital investing, giving members convenient access to investing right through Online and Mobile Banking. It’s another way we’re helping you take steps toward your financial goals, all from a place you already know and trust.

So, What’s With the Long Disclosure?

Simply put, it’s required. Investing comes with risks, rules, and important information that must be clearly communicated. That means the disclosure is lengthy because there’s a lot that needs to be covered, not because we’re trying to make things complicated.

While investment products involve risk and are different from your credit union deposits, we took the decision to offer digital investing seriously. This is a fully vetted solution that we would not make available to our members unless we believed it could provide meaningful value.

Start Small. See Where It Could Take You.

You don’t have to be an investing expert or start with a large amount. Digital investing makes it easy to explore your options from a place you already visit to manage your finances.

And with our limited-time offer, now could be a great time to take that first step:

Invest $10, get $10. Invest $25, get $25. Invest $50, get $50.*

The disclosure may be long. Getting started doesn’t have to be.

Log in to Online or Mobile Banking to explore digital investing and take advantage of the up to $50 investment match* while it’s available.

*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:

NOT INSURED BY THE FDIC OR NCUA

NOT GUARANTEED

NOT FINANCIAL INSTITUTION DEPOSITS OR OBLIGATIONS

MAY LOSE VALUE

Digital assets (cryptocurrencies) are made available and held in a digital wallet maintained by SAFE Trust Company, a Wyoming trust company, not the financial institution or InvestiFi or its affiliates. SAFE is a separate entity from, and not an affiliate of Educational Community Alliance Credit Union or InvestiFi. Digital assets are (1) not federally insured; (2) not obligations of Educational Community Alliance Credit Union; (3) not guaranteed by Educational Community Alliance Credit Union; (4) heavily speculative and volatile; (5) may have associated fees; (6) may not allow account holder recourse; and (7) offered by a third party. Educational Community Alliance Credit Union may receive compensation from your purchase of digital assets. Digital assets (i.e., cryptocurrencies) held in your digital asset account with SAFE (i.e., Crypto account) are not federally insured by any government entities, including, but not limited to, NCUA. Your digital investing account 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 in light of your financial condition. Digital assets are not obligations of Educational Community Alliance Credit Union and are not guaranteed by Educational Community Alliance Credit Union. Educational Community Alliance Credit Union Investment & Crypto Launch Bonus Terms and Conditions Offer Overview: Earn a $50 bonus when you open and fund a new InvestiFi account through Educational Community Alliance Credit Unions secure online platform. Educational Community Alliance Credit Union is offering this promotional incentive to customers who open an account with InvestiFi. The bonus is paid by Educational Community Alliance Credit Union and is not contingent on any securities or digital asset transactions, trading activity, or ongoing relationship with InvestiFi. Eligibility to qualify for the $50 bonus, you must meet all of the following requirements: (1) Be an existing Educational Community Alliance Credit Union member in good standing. (2) Open a new Securities or Cryptocurrency account using the official Educational Community Alliance Credit Union platform provided by InvestiFi. (3) Make an investment in any amount up to $50 by December 31, 2026. Bonus Payment: The $50 bonus will be credited to your Educational Community Alliance Credit Union checking account within 30 days after all eligibility criteria are met. Only one bonus per member is allowed. Bonus will be reported to the IRS as interest income (Form 1099-INT or 1099-MISC), if applicable. Limitations & Disclosures: Offer valid for a limited time and may be modified or withdrawn at any time without notice. This promotion is not transferable and cannot be combined with any other investment or crypto-related offers from Educational Community Alliance Credit Union. Employees of Educational Community Alliance Credit Union are not eligible. Risk & Investment Disclosures: Investment and cryptocurrency products: (1) Are not insured by the NCUA; (2) Are not obligations of Educational Community Alliance Credit Union; (3) Involve investment risk, including possible loss of principal. Educational Community Alliance Credit Union does not provide investment or tax advice. Please consult your financial advisor or tax professional regarding your personal situation. How to Get Started: (1) Visit educacu.com/invest. (2) Follow the steps to register and fund your account. (3) Enjoy your bonus once you qualify! Investing involves risks, including the potential loss of principal. Educational materials are general in nature and should not be construed as investment advice or as a recommendation or personalized investment advice and may not be suitable for everyone. You should consider your own situation before making any investment decision. The bonus offer is made through Educational Community Alliance Credit Union. InvestiFi and its subsidiaries are not participants either directly or indirectly in this offer. No Recommendation: This bonus is not a recommendation to buy or sell any specific security or to adopt a specific investment strategy. Educational Community Alliance Credit Union has entered into a referral agreement (the “Agreement”) with AdvisiFi. Educational Community Alliance Credit Union is not an advisory client of AdvisiFi, however, certain of Educational Community Alliance Credit Union’s personnel may be advisory clients of AdvisiFi. Under the Agreement, AdvisiFi will provide compensation to Educational Community Alliance Credit Union for referring prospective advisory clients to AdvisiFi. AdvisiFi will pay Educational Community Alliance Credit Union a portion of the advisory fees it receives from your account as a referral fee. No investment advisory agreement with AdvisiFi will become effective unless and until accepted by AdvisiFi. If you have any questions about the above, please feel free to contact AdvisiFi at support@advi- sifi.co. Fees associated with your AdvisiFi account are disclosed to you as part of the AdvisiFi Form CRS and Form ADV Part 2A (Brochure) and are available at the Investment Adviser Public Disclosure website (https://adviserinfo.sec.gov/).

Posted by Amanda Elkins in Investing.