Investment Strategies

Investment Strategies

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Many credit union members are struggling with the new, low rate environment we have been experiencing over the last few years. For many members, this means their savings and Certificate accounts held at the credit union are not earning the types of returns they had come to expect. Other members had their money invested in the past, but found that the volatility in the financial markets during the 2008-2009 time period was too much to bear.

Many members, like you,  are trying to figure out what to do with their money in order to earn a greater yield while still preserving what they have. While each investment type has its pros and cons, some investors may find that some investments offered through CUSO Financial Services, L.P. may provide the right balance between safety of principal and return on your money. Some of the following solutions may be available, but keep in mind that there may be risk involved. Select products also have expenses or surrender charges. Talk to one of our CFS* advisors to ensure that all of your questions are answered and that all of the risks and product specifics are covered before you invest.

Some of the options available are:

  • Municipal Bond Mutual Funds
  • US Government Bond Mutual Funds
  • Taxable Short and Intermediate Term Bond Mutual Funds
  • Fixed and Fixed Indexed or Equity Indexed Annuities
  • Variable Annuity 
  • Single Premium Life Insurance

*Non-deposit 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. 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. The Credit Union has contracted with CFS to make non-deposit investment products and services available to credit union members.

Routing # 323274775

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