Investment Tools

Introducing new technology connecting members to a self-directed investment portal

Connect to Your Self-Directed Investment Portal* through Your Checking Account, No Transfer Delays

We’ve partnered with InvestiFi, a technology provider, to connect our members with a new investment portal and a simple, secure way to make self-directed investing available to our members , all accessed through their current online banking . Members can buy, sell and hold stock, no additional apps to download. Educational resources available for everyone from the inexperienced to the well-seasoned investor including Securities 101, Can I trade options contracts? What is a stock? and much more.

  • Fund securities purchases directly through your eliminating account-to-account transfer delays
  • Connect to the self-directed investment portal to buy, sell, and hold securities through online banking
  • Access robust investment educational resources for informed decision-making
  • Invest any amount, including fractional investing with as little as $1.00 USD

Trading Environment - screenshots from investment portal

Picture of the Home page of the investment platform
picture of the asset info page in investment portal
picture of invest popup in investment portal
picture of Buy screen in investment portal

Where to Find - screenshots from online banking

This new tool is already accessible inside your online banking. Here’s how to find it. 

picture of where to find investment tools in online banking
picture of where to find investment tools in online banking

FAQs

1. Can I trade on stock market holidays, bank holidays, and stock market half-days?

No, trading will be closed for the following upcoming US market holidays. You won’t be able to trade on these days.

2024 US Market Holidays
New Year’s Day (January 1)
Martin Luther King, Jr. Day (January 15)
President’s Day and Washington’s Birthday (February 19)
Good Friday (March 29)
Memorial Day (May 27)
Juneteenth (observed on June 19)
Independence Day (July 4)
Labor Day (September 2)
Thanksgiving Day (November 28)
Christmas (December 25)

2024 US Bank Holidays
Banking holidays may affect settlement times and cash transfer times. In addition to stock market holidays, the following upcoming US bank holidays are:
Indigenous Peoples’ Day and Columbus Day (October 14)
Veterans Day (November 11)

2024 US Stock Market Half-Days
Stock market trading will close at 1 PM ET (with extended-hours trading concluding at 3 PM ET) on the following upcoming US market half-days:
Day before Independence Day (July 3)
Native American Heritage Day, the day after Thanksgiving (November 29)
Day before Christmas (December 24)

2. 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.

3. Am I able to place limit orders or other order types

CDS Securities currently limits buys and sells to market orders only. Limit orders and other order types may be available in the future.

4. 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.

5. Where are my investments stored?

Your investments – or securities – are stored at a qualified custodian, RQD* Clearing LLC. RQD is the executing broker of trades and custody assets on behalf of CDS1. Please review your CDS1 Securities customer agreement for more information.

6. 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.

7. Is my financial institution a registered broker/dealer?

NO, Bluestone is not a broker dealer, does not offer the investments and the investments are not insured. (Add disclosure here)

8. Can I transfer my retirement account to my investment account with CDS1/RQD?

No. Not at this time.

9. Can I trade options contracts?

No. Not at this time.

10. What happens to my portfolio if I close my credit union bank 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 broekrage 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.

11. Can I buy a fractional share of a stock?

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

12. 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.

Disclosures

*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. Brokerage services are provided to AdvisiFi clients by CDS1 Securities LLC (“CDS1”) and RQD* Clearing LLC (“RQD”), SEC-registered broker-dealers and members of FINRA/SIPC. AdvisiFi is a wholly-owned subsidiary of, and CDS1 is an affiliate of InvestiFi Inc (“InvestiFi”), and are not affiliated with Bluestone. Brokerage services are available only to residents of the United States and in jurisdictions where CDS1 is registered. You may check the background of these firms by visiting FINRA’s BrokerCheck. Cash and securities held by RQD are (1) not insured by the FDIC, NCUA or other government agency, (2) not guaranteed, (3) not Bluestone deposits or obligations, and (4) may lose value. Bluestone 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.