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Trade crypto where you bank — user-friendly, secure, and built for you.
Start trading directly from your checking account and keep your finances in one place.
CREDIT UNION CRYPTO
The Personal Investment Portal is an optional, simple, and secure way for members to invest in and learn more about cryptocurrency.
We’ve partnered with InvestiFi* to provide you with an exciting new investment portal and a user-friendly, secure way to start building a portfolio to pursue your financial goals –all within your existing online banking experience! You can buy, sell and hold cryptocurrencies with no additional apps to download.
Available in Online and Mobile Banking Platform!
Advantages of our Portal:
Some of the advantages of the digital exchange at United Financial Credit Union are:
- a secure platform to buy, sell and manage digital currency
- an all-in-one platform in Online Banking & Mobile App
- a medium to empower members to diversify their portfolios if they choose
Get Started
Ready to purchase Crypto? Log into your digital banking to get started!
Learn More
View the FAQs below to learn more about Cryptocurrency options at United Financial.
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What Makes Credit Union Cryptocurrency trading Different?
- Investing from Checking makes it efficient to put your money to work for you —no need to transfer funds to a third party or wait for money to settle. This gives you convenient access to your funds for investment opportunities.
- Utilize a secure platform from InvestiFi to trade coins.
- The platform is designed for traders at many knowledge levels, offering a straightforward entry point to trading crypto starting with as little as $1. Whether you’re looking to build a nest egg or just exploring trading cryptocurrencies for the first time, you’ve got the tools you need to move forward.
- Trading from within the InvestiFi digital banking environment allows you to manage your accounts—checking, savings, loans, credit cards, and now crypto—in one place, giving you a more complete and convenient way to take control of your financial future.
- Our commitment to supporting the pursuit of your financial goals means the InvestiFi tool includes educational resources designed to make crypto trading clear and straightforward, no matter whether you’re a seasoned investor or just starting out.
Where do I access the Crypto Platform?
You can access the United Financial CU Cryptocurrency Portal in our online or mobile banking app. You will see Personal Investment Poral on the left side menu.
What is the Fee Schedule for Each Trade?
There is a $0.99 minimum fee per trade, with a fee range of 1.00% – 2.99% per trade depending on the size of the transaction. You will be shown the amount of the trading fee before you confirm the trade.
The complete fee structure is as follows:
Minimum trade amount = $6.00
Maximum buy amount = $25,000
Maximum sell amount = $100,000
How do I Buy/Sell/Hold Crypto?
Simply access the Personal Investment Portal and accept the terms and conditions. Once your account is set up you can select your coin type, how much you want to purchase or sell, designate which checking or savings account and confirm.
What Coins are Available?
You can currently purchase these coins on the Crytpo Portal: Bitcoin · Dogecoin · Solana · Avalanche · Litecoin · Ripple · Bitcoin Cash · Chainlink · Ethereum · Polkadot
Can I send digital assets to a wallet outside of my financial institution?
No. The two most important goals for us as a financial institution in offering cryptocurrency is to make it as easy and safe to buy, sell and hold cryptocurrency as possible.
To ensure ease and safety, cryptocurrency cannot be sent outside of the financial institution due to security and regulatory reasons.
Are my Digital Asset Holdings Taxable?
When you decide to sell your cryptocurrency holdings, it is important to keep in mind that they are subject to taxation just like any other investment asset.
Who is InvestiFi?
InvestiFi is a fintech company based in Delaware that was founded in 2020 with a goal of democratizing investing by enabling direct investing from an existing account. InvestiFi’s investment advisory services are provided through AdvisiFi, LLC, a registered investment adviser wholly owned by InvestiFi. Brokerage services are provided by InvestiFi Securities LLC, a registered broker-dealer.
What is the relationship between United Financial Credit Union and InvestiFi?
United Financial Credit Union has partnered with InvestiFi to integrate its digital investing platform into our Online Banking experience. 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.
What is Cryptocurrency?
Cryptocurrency, or “crypto,” is any kind of decentralized digital currency. Cryptocurrencies are based on cryptography, or advanced mathematical algorithms that are very difficult to crack. Cryptography is probably used a lot in your everyday life already – your phone and computer use it to keep your passwords secret and your data private. Unlike traditional currencies, like the U.S. Dollar, crypto is not issued or controlled by a central government or bank. Instead, crypto is managed by massive, free-to-join networks of computers. These computers maintain a shared ledger of all transactions on the network called a “blockchain.” The computers earn rewards in exchange for confirming that new transactions are valid. A majority of computers in the network need to agree when a new coin is produced or a new transaction is completed. Thus, the more computers that join the network, the more secure it is. Most cryptocurrencies are finite in quantity, which is why some people view them as a hedge against inflation. Cryptocurrency transactions are irreversible and permanent, recorded on a public blockchain. Because cryptocurrency is transacted on a public ledger (or the blockchain) and the network of computers to create new crypto is free to join, anyone can easily participate in cryptocurrency. As long as someone has access to the internet they can get involved with crypto, regardless of location, government, or credit score. This makes the ecosystem more fair, equitable, transparent, and global. Many advocates see the most popular cryptocurrencies like Bitcoin and Ethereum as the future and an alternative to traditional fiat currency like the U.S. Dollar.
How is my Crypto kept secure?
We use a combination of systems to ensure the crypto you store with United Financial is secure.
We independently monitor your crypto balance with our qualified custodian daily to ensure there is agreement on the balance between all parties and immediately work to resolve any discrepancies if any do appear.
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.
Can I deposit digital assets into my Crypto account with United Financial ?
Currently, we don’t allow digital asset deposits. You can buy, sell, and hold digital assets on our platform.
Can my cryptocurrency lose value?
Yes, like any investment product, your cryptocurrency may lose (or gain) in value over time. Cryptocurrencies are volatile and unpredictable, meaning their prices can go up and down quickly and without warning.
Many factors can affect a cryptocurrency’s value, such as supply and demand, regulation, hacking, competition, innovation, and market sentiment. You should only invest in cryptocurrencies if you are aware of the risks and willing to accept the potential losses.
Available for Personal Accounts 18 and over.
Digital assets (cryptocurrencies) are made available and held in a digital wallet maintained by SAFE Trust Company, a Wyoming trust company, not the credit union or InvestiFi or its affiliates. SAFE is a separate entity from, and not an affiliate of United Financial Credit Union or InvestiFi. Digital assets are (1) not federally insured; (2) not obligations of United Financial Credit Union; (3) not guaranteed by United Financial Credit Union; (4) heavily speculative and volatile; (5) may have associated fees; (6) may not allow member recourse; and (7) offered by a third party. United Financial 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 situation. Digital assets are not obligations of United Financial Credit Union and are not guaranteed by United Financial Credit Union.
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