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 investing available to our members , all accessed through their current online banking.* Members can buy, sell and hold stock and cryptocurrency, no additional apps to download.
Guided Investing offers members a hands-off approach to investing that provides you with a recommended portfolio based on your risk tolerance and current investment needs. Your portfolio is managed by investment professionals and periodically rebalanced to help you stay on track.
Educational resources available for everyone from the inexperienced to the well-seasoned investor including Securities 101, Crypto 101, Can I trade options contracts? What is a stock? and much more.
- Fund securities and cryptocurrency purchases directly from your share draft account, eliminating account-to-account transfer delays
- Connect to My Investment Portal to buy, sell, and hold securities and cryptocurrency 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 for securities and $6.00 USD for cryptocurrency
Trading Environment - screenshots from 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.
FAQs
The following is an abridged version of the FAQs found inside the investment platform. To access the complete list, once inside My Investment Platform, click the Learn icon in the left-hand panel (this is the 3rd icon down, an ‘i’ inside of a circle) to be taken to the Learn page. Here you will find answers to FAQs as well as securities and crypto basic education materials.
1. Can I trade on stock market holidays, bank holidays, and stock market half-days?
Cryptocurrency is a 24/7/365 market and can be traded at any time. All other trading will be closed for the following upcoming US market holidays. You won’t be able to trade on these days.
2025 US Market Holidays
New Year’s Day (January 1)
Martin Luther King, Jr. Day (January 20)
President’s Day and Washington’s Birthday (February 17)
Good Friday (April 18)
Memorial Day (May 26)
Juneteenth (Thursday June 19)
Independence Day (Friday July 4)
Labor Day (September 1)
Thanksgiving Day (November 27)
Christmas (December 25)
2025 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 13)
Veterans Day (November 11)
2025 US Stock Market Half-Days
Stock market trading will close at 1 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 28)
Day before Christmas (December 24)
2. Can I transfer outside assets into the investment portal?
For securities, yes. Please contact InvestiFi Securities LLC to receive an Account Transfer Form. Please have ready your most recent account statement for the assets you wish to transfer.
For cryptocurrency, 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. In order to meet both of those goals (ease and safety), for a variety of both security and regulatory reasons, you are not able to send cryptocurrency to a wallet outside of the financial institution or receive cryptocurrency from a wallet outside of the financial institution.
3. 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.
4.How much does it cost to use this?
The cost to trade securities is free. Cryptocurrency transactions are charged a small fee according to the following Fee Schedule:
– $0.99 min
– $0 – $1,000 at 2.99%
– $1,000.01 – $5,000 = 1.75%
5. Where are my investments stored?
The cash and securities are held in your brokerage account at a qualified custodian, RQD* Clearing LLC. RQD is the executing broker of trades and custodies assets of all customers on behalf of InvestiFi Securities. Please review your InvestiFi Securities customer agreement for more information.
Cryptocurrency purchased through our digital asset service offering is held with a regulated and qualified custodian, SAFE Trust Company (sFox), a Wyoming public trust company. Please see your sFox/SAFE Service Agreement for more information.
6. Can anyone trade securities or purchase cryptocurrency?
Only members over the age of 18 and in good standing with the financial institution can buy/sell/hold securities or cryptocurrency. Commercial accounts may not be used.
7. Is my financial institution a registered broker/dealer?
No. Your financial institution is not a broker-dealer, does not offer securities or other investments, and the investments and securities are not insured by FDIC or NCUA. However, your financial institution has partnered with InvestiFi Securities LLC as your registered broker dealer. You will become a customer of InvestiFi Securities and open a brokerage account prior to being able to trade. Your InvestiFi Securities brokerage account will be held with RQD* Clearing LLC, a registered broker dealer and InvestiFi Securities’ clearing broker. InvestiFi Securities and RQD are members of FINRA and SIPC.
8. Can I buy a fractional share of a stock or coin?
Yes, you can buy fractional shares of stocks, ETFs or cryptocurrency. The minimum purchase for securities is $1.00. The minimum cryptocurrency purchase is $6.00.
9. 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.
10. I received an email that I am not sure if legitimate, or got a phone call, how can I tell?
Members will receive emails in accordance with regulations from InvestiFi, AdvisiFi or RQD Clearing, SAFE/sFox or phone calls from InvestiFi.
If you ever have questions about the legitimacy of a call or email, you can reach Bluestone FCU directly and we will connect you to the appropriate contact.
11. 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 through the Automated Customer Account Transfer Service (or ACTS) before you close your account. Please see the InvestiFi Securities Customer Agreement for more information about closing your account. However, if you close your financial institution account, you will lose access to your InvestiFi Securities brokerage account. You will need to speak with an InvestiFi Securities rep before closing your financial institution account in order to determine what to do with the securities in your portfolio. Please see the InvestiFi Securities Customer Agreement for more information and to see your options for handling securities positions. Buy and sell transactions and dividends paid are only able to be posted to a checking account at Bluestone. Closing the checking account will result in 1) the inability to place an order to buy a security and 2) sell transactions and dividends not being deposited to your Credit Union account.
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. 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 or NCUA, (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 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 Bluestone Federal Credit Union or InvestiFi. Digital assets are (1) not federally insured; (2) not obligations of Bluestone Federal Credit Union; (3) not guaranteed by Bluestone Federal 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. Bluestone Federal 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 Bluestone Federal Credit Union and are not guaranteed by Bluestone Federal Credit Union.