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Routing # 265473511
An easy investing solution you can set up in only 5 minutes!
EFCU Investment Solutions has partnered with Copper Financial Network, LLC (“Copper Financial”) to provide Guided Investing, a digital tool designed to help you grow your wealth. By answering just a few questions, you’ll get an investment portfolio tailored to your risk tolerance, time horizon and financial goals.
You can start investing with as little as $200.
Bank, save and invest with 24/7 access to your investment portfolio in your online banking and mobile app.
Diverse portfolios that are automatically rebalanced to help you stay in line with your financial goals.
Open your Guided Investing account with as little as $200 and pay only 0.25% on assets under management.
Step 1:
Tell Us About Yourself
Step 2:
Fund Your Account
Step 3:
Let Us Do The Work
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Guided Investing is an automated digital tool that professionally manages your investments based on your risk tolerance and time horizon to help you reach your financial goals. Based on your answers to a short list of questions, your money is invested in a diversified portfolio aligned with your investment goals. Your portfolio is monitored on an ongoing basis and rebalanced as needed to stay on track with your goal.
To open a Guided Investing account, you must be at least 18 years of age and a U.S. Citizen. You must also be an existing credit union member.
You can open Taxable Individual and/or Joint accounts; the investments in these types of accounts can be used for any reason. Tax-advantaged Traditional and Roth IRAs are also available if you are saving for retirement.
After opening your Guided Investing account, you can transfer funds from any desired account using our integration with Plaid.
The minimum required investment to open a Guided Investing account is $200.
There is a .25% annual management fee for assets under management. For example, if you have an account balance of $10,000, your management fee would be roughly $25 per year. For IRA accounts, there is an annual $20 retirement account maintenance fee. Additionally, there is a $95 retirement account termination fee should you decide to close your IRA account.
Please also see the Brokerage Fee Schedule for information on additional account servicing and maintenance fees that will also apply to your account. The ETFs in your account are also subject to expenses charged by the manager of the ETFs.
See the Guided Investing Wrap Fee Program Fee Brochure for a full discussion of all associated fees and expenses.
You can contact our Digital Wealth Team at digital@cu.financial or 833.605.6681.
To learn more about Copper Financial and its financial representatives, visit FINRA BrokerCheck.
There is a .25% annual management fee for assets under management. Please see our Brokerage Fee Schedule for information on account servicing and maintenance fees that will also apply to your account. The ETFs in your account are also subject to expenses charged by the manager of the ETFs. See the Guided Investing Wrap Fee Program Fee Brochure for a full discussion of all associated fees and expenses.
Securities and advisory services offered through Copper Financial Network, LLC (“Copper Financial”), an SEC registered investment adviser. Member FINRA/SIPC. EFCU Financial Federal Credit Union (“EFCU Financial”) has contracted with Copper Financial to make non-deposit investment products and services available to its members. EFCU Financial and EFCU Investment Solutions are not broker-dealer or investment adviser and are not affiliated with Copper Financial.
All investing involves risk, including the possible loss of money you invest. Past performance is not a guarantee or indication of future performance.
Guided Investing is an investment advisory service offered by Copper Financial. For additional information on Guided Investing please see our Additional Disclosures.
Wealth Advisors are able to offer different advisory, securities, and insurance products. Account minimums and fees for products available through a Wealth Advisor vary by product.
Please review our Customer Relationship Summary for information on the products and services we offer and the nature of the relationship we have with our clients.
Investment and insurance products offered through Copper Financial:
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Are Not Credit Union Deposits or Obligations |
Are Not NCUA or otherwise Federally Insured |
Are Not Credit Union Guaranteed |
May Lose Value |
EFCU Financial has contracted with Copper Financial to provide investment products and services to EFCU Financial members. EFCU Financial is not a client of Copper Financial. EFCU Financial will receive compensation from Copper Financial if you open an account with Copper Financial. This compensation creates an incentive for EFCU Financial to refer clients to Copper Financial. For additional information please see the Program Credit Union Referral Fee Disclosure available here .
