Skip to main content
Instagram

Cryptocurrency and Securities

We’re excited to announce a new investment portal as an option for our members to buy, sell, and manage cryptocurrency and securities. Invest with as little as $1.00. There are security measures in place to keep this system safe and secure. 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 online banking.* Members can buy, sell and hold stock and cryptocurrency, no additional apps to download. You can feel confident knowing your transactions are secure and your personal information is kept private. See disclosures for more clarification. Log into It’sMe247 to get started!

Invest in cryptocurrency and securities with knowledge and confidence! It’s a simple and secure way to make investing easy for beginners. Members will have access to educational resources to make well-formed decisions. Self-directed investing offers members the opportunity to fund purchases directly within your HCU account to eliminate any delays. Connect to the portal to buy, sell, and hold stock without using links or additional apps.

  • Convenient Access: Access this portal through It’sMe247 where ever you are
  • Range of Options: Explore a world of stocks and trading.
  • Self-Directed: You make the right moves for you!

FAQs

The following is an abridged version of the FAQs found inside the investment portal. Access the full list within your investment portal. Here you will find the answers to FAQs as well as basic securities and crypto educational 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 minimum transaction fee

–$0.00 – $1,000: 2.99%

-$1,000.01 – $5,000: 1.75%

-$5,000.01 – $10,000: 1.49%

-$10,000.01+: 1.00%

5. Where are my investments stored?

The 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 Horizon Utah Federal Credit Union 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 Horizon Utah Federal Credit Union. 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, NCUA or other government agency, or by any private insurance offered in lieu of FDIC or NCUA coverage, (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 Horizon Utah Federal Credit Union or InvestiFi. Digital assets are (1) not federally or privately insured; (2) not obligations of Horizon Utah Federal Credit Union; (3) not guaranteed by Horizon Utah 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. Horizon Utah 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 insured by any government or private entities, including, but not limited to, NCUA or ASI/ESI. 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 Horizon Utah Federal Credit Union and are not guaranteed by Horizon Utah Federal Credit Union.