Invest where you bank

Securities are regulated financial investments that can be bought and sold. They represent ownership, debt, or other financial rights and are commonly used by individuals to grow and diversify their portfolios.

There are many types of securities, including stocks, bonds, and other investment products each with its own characteristics and level of risk.

While securities come in many forms, here’s a simple overview of how they’re typically categorized:

• Equity securities represent ownership in a company. Stocks are the most common type of equity security and may provide returns through price growth or dividends.
• Debt securities represent borrowed money that is repaid over time, such as bonds or certificates of deposit.
• Hybrid securities combine features of both equity and debt, offering fixed returns with the potential for ownership benefits.
• Derivative securities are contracts whose value is tied to an underlying asset, such as a stock or commodity.
• Asset‑backed securities derive value from pools of income‑generating assets like loans or mortgages.

Stock investing—buying and selling shares of publicly traded companies—is one of the most common ways people invest in securities. When you own a stock, you own a small piece of that company and may benefit from its growth over time. Like all investments, stocks are subject to market changes, economic conditions, and company performance.

If you’re interested in investing in stocks or ETFs, you can explore self‑directed investment options available through Digital Investing accessible right within SouthPoint’s online and mobile banking platform.

You can access the SouthPoint Investment Portal in our online or mobile banking app. In Online Banking, you will see Digital Investing on the right side and in Mobile Banking, you will see Digital Investing on the bottom navigation.

First, you will need to enter into an advisory relationship with AdvisiFi, and open a brokerage account with CDS1 Securities LLC (“CDS1”) to get started. **CDS1 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 the CDS1 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.

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

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.

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 CDS1. Please review your CDS1 Securities customer agreement for more information

Only members over the age of 18 and in good standing with the financial institution can buy/sell/hold securities. Business & Trust 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, SouthPoint Financial 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 CDS1 Securities LLC, 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 CDS1 regarding trades in your brokerage account after your credit union account has been closed. Please see the CDS1 Customer Agreement or speak with a CDS1 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 SouthPoint Financial 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

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.

Members will receive emails in accordance with regulations from CDS1, AdvisiFi or RQD Clearing or phone calls from CDS1. 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.
• CDS1 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 SouthPoint directly and we will connect you to the appropriate contact.