2022 tax forms have been mailed and are also available in digital banking by selecting Documents & Statements, then Tax Forms & Notices. Click here to learn more.
Managing investments can be tricky and time-consuming. Let our CFS advisors help you choose and manage your investment fund.1
An annuity could be great for retirement. We can help you pick the type that best fits your needs.
We offer a combination of advice and oversight.
We can help you navigate the confusing world of stocks and bonds.
It’s never too early to begin saving for college. Investing a few dollars per month can go a long way.
Learn how to plan for retirement at an early age. The sooner you get into the habit of saving for retirement, the more time your money has to grow.
The simple advice is to set your retirement income as a percentage of your current income. But that approach doesn't account for your specific plans.
Small steps and helpful tools—like the right savings account (they’re not all made equal)—can help you get ahead. Here are six small steps you can take.
Trying to understand APR and APY can be confounding. They aren't simply interest rates but something far more complex. Let us help you figure them out.
* Nondeposit investment products and services are offered through CUSO Financial Services, L.P. ("CFS"), a registered broker-dealer (Member FINRA/SIPC) and SEC Registered Investment Advisor. Nondeposit investment products offered through CFS are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CFS. SELCO Community Credit Union has contracted with CFS to make nondeposit investment products and services available to credit union members.
1 Investors should carefully consider the investment objectives, risks, charges, and expenses of a fund before investing. For a prospectus containing this and other information for any mutual fund, contact your financial representative and ask for a prospectus or call the fund company directly. Please read the prospectus carefully before investing money.
2 Fixed and Fixed Index Annuities are long-term financial products designed for retirement purposes. Withdrawals taken prior to 59 ½ are generally subject to a 10% federal income tax penalty. Withdrawals in excess of permitted free amounts are subject to a declining withdrawal charge schedule. Certain Fixed Annuity products may not be available in every state and policy provisions may vary from state to state. All guarantees are subject to the claims-paying ability of the issuing insurance company. Returns for Fixed Index Annuities are typically tied to a percentage of the return of a stock market index such as the S&P 500. Cap rates and other limitations may apply. Minimum guarantees for Fixed Index Annuities may not be applied until after the end of the annuity’s surrender charge period. Please refer to the policy for actual governing contractual provisions. A financial professional can provide cost information for complete details.
3 Investors should be aware that there are risks inherent in all investments, such as fluctuations in investment principal. This is particularly true for mutual funds. Bonds are subject to interest rate risk. When interest rates rise, bond prices fall; generally the longer a bond’s maturity, the more sensitive it is to this risk. Bonds may also be subject to call risk, which allows the issuer to retain the right to redeem the debt, fully or partially, before the scheduled maturity date. Please see prospectus for full details.
4 There are fees associated with 529 savings plans. Investments in 529s involve investment risks. You should consider your financial needs, goals, and risk tolerance prior to investing. More information about 529 plans can be found in the issuer’s official statement or plan disclosure document which should be read carefully prior to investing. Most 529 plans are sponsored and administered by states. State tax benefits vary among the states and some offer residents additional tax benefits if they invest in their own state plan. Consult a qualified tax professional for more information.