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Ready To Explore Digital Investing?

Simply log into your online banking or River Valley app to get started with

  • Stocks/EFT'S
  • Cryptocurrency
  • Guided Investing

SELF-DIRECTED INVESTING

With the new self-directed investment portal, provided by InvestiFi*, you can buy and sell stocks on your own - anytime, anywhere. Whether you're an experienced investor or just getting started, the online trading platform gives you the tools and flexibility to invest the way you want.

Plan, Invest, Thrive

Self-directed investing means you make the decisions—you choose what to buy, when to sell, and how to build your portfolio.

  • Stocks
  • ETF's

All through an easy-to-use online platform backed by robust educational resources, market insights and secure technology.

FAQS

CRYPTOCURRENCY ON YOUR TERMS

The world of digital investing is evolving - and River Valley Credit Union has partnered with InvestiFi** to help you explore it confidently. Whether you’re just getting started or already crypto-curious with this new digital investing platform, you now have access to a safe, simple, and transparent way to buy, sell, and manage cryptocurrency.

We've partnered with a trusted digital asset provider to make exploring crypto easy, secure, and convenient—all from the same place you already manage your money.

Why Access Crypto with River Valley?

  • Confidence & Control Buy and sell digital currency from the security of your online or mobile banking account.
  • No New Accounts No need for third-party apps, extra logins, or password juggling—everything is right here.
  • Clear, Transparent Pricing No hidden fees or confusing terms. What you see is what you get.
  • Security You Trust Your transactions are managed by our industry-leading digital asset partner and designed with your safety in mind.
FAQS

GUIDED INVESTING

Take the guesswork out of investing with Guided Investing — an easy, automated way to build and manage a personalized investment portfolio tailored to your goals and risk tolerance.

What Is Guided Investing?

Guided Investing is an automated investment solution, provided by InvestiFi*, that recommends and manages a diversified portfolio based on your individual financial goals and risk preferences. It’s designed for those who want a hands-off, low-cost approach to investing — without sacrificing strategy or personalization.

  • Tell Us About You: Answer a few simple questions about your financial goals, timeline, and comfort with risk.
  • Get a Personalized Portfolio: Based on your answers, a professionally designed, diversified portfolio using low-cost ETFs across asset classes like stocks and bonds will be recommended.
  • Let It Work for You: Your portfolio is monitored and automatically rebalanced every quarter to stay aligned with your goals — no manual adjustments required.
FAQS

What cryptocurrency coins do we offer?

ADA - Cardano ADA - Cardano
AVAX - Avalanche AVAX - Avalanche
BTC - Bitcoin BTC - Bitcoin
DOGE - Dogecoin DOGE - Dogecoin
ETH - Ethereum ETH - Ethereum
LINK - Chainlink LINK - Chainlink
LTC - Litecoin LTC - Litecoin
SOL - Solana SOL - Solana
USDC - USDC USDC - USDC
USDT - Tether USDT - Tether
XRP - XRP XRP - XRP
Online
Banking
Apple
App Store
Google
Play Store
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Self-Directed Investing Frequently Asked Questions (FAQS)

Self-directed investing allows you to buy and sell stocks and ETFs on your own, without working directly with a financial advisor. You manage your portfolio through an online platform—on your schedule.
Yes, you can buy fractional shares as low as $1.00.
Not necessarily. The platform is designed to be user-friendly and includes tools, research, and market data to help you make informed decisions. However, it is best suited for members who are comfortable making their own investment choices.
You can invest in a variety of securities including:
  • Stocks
  • Exchange-Traded Funds (ETFs)
No. You can get started with no minimum investment required, though some securities may have their own purchase requirements.
Yes! While the platform is self-directed, support is available if you need help navigating the portal or have technical questions. If you need support related to your investment account, we also offer access to licensed financial professionals.
Once you open your self-directed investment account, you’ll be able to log in securely through the online investment portal to view balances, trade securities, and track your portfolio.
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.
No, River Valley is not a broker-dealer, does not offer the investments, and the investments are not insured by American Share Insurance. All securities and brokerage services are offered by InvestiFi Securities, member FINRA/SIPC.

Cryptocurrency Frequently Asked Questions (FAQS)

Cryptocurrency is a type of digital currency that exists only online and uses secure technology to manage transactions. It is not issued or regulated by a central bank.
Yes! Members can access digital currency tools through their existing online or mobile banking account—no need for a separate app or login.
No. At this time, you can only buy and sell digital currency within the platform. External transfers (sending to or receiving from another wallet) are not available.
Yes. We’ve partnered with a trusted digital asset provider that uses industry-leading security and custodial practices to help protect your digital assets.
Yes, as long as you’re enrolled in online or mobile banking, and are an individual account holder after the age of 18. Access may vary by device or platform version—make sure your app is up to date!
There is a $0.99 minimum fee per trade, with a fee range of 1.00% - 2.99% per trade depending on the size of the transaction. You will be shown the amount of the trading fee before you confirm the trade.
The complete fee structure is as follows:
  • Minimum trade amount = $6.00
  • Maximum buy amount = $25,000
  • Maximum sell amount = $100,000
You’ll see available options when you access the crypto tab in your online or mobile banking.
No. River Valley Credit Union does not offer investment advice. If you're considering investing in cryptocurrency, we recommend consulting a licensed financial advisor.
When you decide to sell your cryptocurrency holdings, it is important to keep in mind that they are subject to taxation just like any other investment asset.
Yes, like any investment product, your cryptocurrency may lose (or gain) in value over time. Cryptocurrencies are volatile and unpredictable, meaning their prices can go up and down quickly and without warning.
Many factors can affect a cryptocurrency’s value, such as supply and demand, regulation, hacking, competition, innovation, and market sentiment. You should only invest in cryptocurrencies if you are aware of the risks and willing to accept the potential losses.

Guided Investing Frequently Asked Questions (FAQS)

By answering a few questions about your risk tolerance, you create a personalized diversified portfolio based on your risk and goals which will automatically rebalance for a hands-off approach.
You can start a portfolio with as little as $20.
Not necessarily. The platform is designed to be user-friendly and includes tools, research, and market data. This option is best suited for those who are not comfortable making their own investment choices or who are looking for a hands-off approach.
Securities that include ETF’s comprised of various stocks and bonds. These vary depending on your investment profile.
Yes! While the platform is self-directed, support is available if you need help navigating the portal or have technical questions. If you need support related to your investment account, we also offer access to licensed financial professionals.
Once you open your guided investment account, you’ll be able to log in securely through the online investment portal to view balances, trade securities and track your portfolio.
River Valley 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.
No, River Valley is not a broker-dealer, does not offer the investments and the investments are not insured by American Share Insurance. All securities and brokerage service are offered by InvestiFi Securities, member FINRA/SIPC.
There are no transaction fees. However, there are annual Assets Under Management (AUM) fees which are charged quarterly.

* Available for Personal Accounts 18 and over.

* Investment advisory services provided by AdvisiFi, LLC (“AdvisiFi”), an SEC-registered investment adviser. Registration does not imply a certain level of skill or training. Securities and brokerage products offered by InvestiFi Securities LLC (“InvestiFi Securities”) and RQD* Clearing LLC (“RQD”), SEC-registered broker-dealers, and members FINRA/SIPC. AdvisiFi, InvestiFi Securities and RQD are not affiliates of River Valley Credit Union, Inc. (“Financial Institution”). The Financial Institution does not provide investment advisory or brokerage services, and nothing on this website should be considered an offer, solicitation of an offer, or advice to buy or sell securities or investment products or to open an investment account.

Cash and securities 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 River Valley Credit Union, Inc. deposits or obligations, and (4) may lose value. Securities and investments offered by InvestiFi Securities involve risk, including possible loss of principal.

Brokerage services are available only to residents of the United States and in jurisdictions where InvestiFi Securities is registered. Please visit for applicable terms, conditions and important disclosures.

** Digital assets (cryptocurrencies) are made available and held in a digital wallet maintained by SAFE Trust Company, a Wyoming trust company, not the credit union or InvestiFi or its affiliates. SAFE is a separate entity from, and not an affiliate of River Valley Credit Union, Inc. or InvestiFi. Digital assets are (1) not federally or privately insured; (2) not obligations of River Valley Credit Union, Inc.; (3) not guaranteed by River Valley Credit Union, Inc.; (4) heavily speculative and volatile; (5) may have associated fees; (6) may not allow member recourse; and (7) offered by a third party. River Valley Credit Union, Inc. 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 River Valley Credit Union, Inc. and are not guaranteed by River Valley Credit Union, Inc.

View the FI Terms of Use Disclosure