Investifi Investment Platform FAQs

First, you will need to enter into an advisory relationship with AdvisiFi, and open a brokerage account with InvestiFi Securities to get started. *InvestiFi Securities accounts are carried by RQD clearing. On the home screen click “Create Account”. Complete your profile by filling out the questions and agreeing to the terms of InvestiFi Securities and RQD customer agreements. Press Submit and continue. Once your account is approved, you will be ready to place your first trade! Press “Start Investing” to begin trading.

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

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

 US Market Holidays

  • New Year’s Day
  • Martin Luther King, Jr. Day
  • President’s Day and Washington’s Birthday
  • Good Friday
  • Memorial Day
  • Juneteenth
  • Independence Day
  • Labor Day
  • Thanksgiving Day
  • Christmas

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-Columbus Day and Veterans Day.

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, 
Native American Heritage Day, the day after Thanksgiving Day and the Day before Christmas.

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. Crypto being held with our qualified custodians is not used for any other purposes and is there for you when you want to sell it.

No, Madison C0unty Federal Credit Union is not a broker dealer, does not offer the investments and the investments are not insured by the NCUA. All securities and brokerage services are offered by InvestiFi Securities, member FINRA/SIPC.

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 InvestiFi Securities regarding trades in your brokerage account after your credit union account has been closed. Please see the InvestiFi Securities Customer Agreement or speak with InvestiFi Securities for more information on closing your account.

Buy and sell transactions and dividends paid are only able to be posted to a checking account at Madison County 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

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

If you opted out of Crypto you can still use the Self-Directed Investment Portal if you opt back in using the form below. Note, if you opt in to the Self Directed Investment Portal, you will see the Crypto Portal and Crypto assets upon login.

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

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.

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.

Yes. Please contact InvestiFi Securities at 989-777-3620 ex 5327, your broker-dealer, to receive an Account Transfer Form. Please have ready your most recent account statement for the assets you wish to transfer.

To ensure ease and safety, cryptocurrency cannot be sent outside of the financial institution due to security and regulatory reasons.

Members will receive emails in accordance with regulations from InvestiFi Securities, AdvisiFi or RQD Clearing or phone calls from InvestiFi Securities.  Examples of those communications include:

  • AdvisiFi will email you if there are material changes to regulatory related communications such as the Customer Relationship Summary or the Disclosures Brochure.  They will also contact you if there are questions about your investment profile.
  • InvestiFi Securities will email or call you if there are servicing related questions including clarification of questions answered during onboarding.
  • RQD will email you to notify you that your statement and / or confirmation is ready for review.

If you ever have questions about the legitimacy of a call or email, you can reach Madison County Federal Credit Union directly and we will connect you to the appropriate contact.

*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 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 Madison County Federal Credit Union or InvestiFi. Digital assets are (1) not federally insured; (2) not obligations of Madison County Federal Credit Union; (3) not guaranteed by Madison County 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. Madison County 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 Madison County Federal Credit Union and are not guaranteed by Madison County Federal Credit Union.