InvestiFi is a fintech company based in Delaware that was founded in 2020 with a goal of democratizing investing by enabling direct investing from an existing account. InvestiFi's investment advisory services are provided through AdvisiFi, LLC, a registered investment adviser wholly owned by InvestiFi. Brokerage services are provided by InvestiFi Securities LLC, a registered broker-dealer.

No. Only account holders over the age of 18 and in good standing with the financial institution can buy, sell, or hold assets. Commercial accounts are not supported.

Trading-Cryptocurrency

Q: What is digital investing?

Digital investing means having the power to shape your financial future right at your fingertips. Because the InvestiFi digital investing platform is available within your Online Banking experience, it’s never been more accessible to secure your place in the markets. Whether you’re using a desktop, laptop, or mobile device, the user-friendly tools for trading the coins or securities of your choice are waiting for you.

Q: What is the relationship between Peninsula Federal Credit Union and InvestiFi?

Peninsula Federal Credit Union has partnered with InvestiFi to integrate its digital investing platform into our Online Banking experience. This allows you to access InvestiFi’s learning and investing tools directly from within your banking interface and to invest directly from your checking account without having to transfer money to a third-party app.

Q: What level of security does InvestiFi have?

InvestiFi Inc. has achieved SOC 2 Compliance, an enterprise-grade best practices standard for protecting customers’ data. Measures taken to achieve this designation include: • Network and application layer penetration tests performed by industry leading security firms • Continuous security control monitoring using the highest possible standards • Data encryption for in-transit--using TLS--and at rest • Secure software development through a variety of manual and automatic data security and vulnerability • Employee training for all staff on employing best practices when handling customer data

Q: Does InvestiFi replace Peninsula Federal Credit Union's Investment Advisors?

No. The new investing portal is included as a benefit to create access to investment assets for the people Peninsula Federal Credit Union serves.

Trade Crypto Where You Bank - User-Friendly, Secure, and Built For You

Start trading directly from your PFCU account and keep your finances in one place.

Click Here to get started!

We've partnered with InvestiFi* to provide you with an exciting new investment portal and a user-friendly, secure way to start building a portfolio to pursue your financial goals - all within your existing online banking experience! You can buy, sell and hold cryptocurrencies with no additional apps to download.

InvestiFi Customer Support

For Cryptocurrency related inquiries, you can reach InvestiFi via email at customersupport@investifi.com or by phone at 877-798-4609.
- Phone Support Hours: 9AM-8PM EST on business days.
For Securities related inquiries, you can reach InvestiFi via email at support@investifisecurities.com or by phone at 888-255-2740.
- Phone Support Hours: 9AM-8PM EST on business days.

What do you know about Cryptocurrency?

Cryptocurrency is broadly a digital asset (100% electronic), secured with cryptography and recorded on a distributed ledger to enable trusted transactions. It’s decentralized, which means it’s not owned or controlled by any person, government or other organization. Instead, all the users together are in control. Blockchain is the underlying technology for most cryptocurrencies, functioning as a ‘ledger’ or record of transactions made. You can access Crypto in the (Self-Directed) Investment Portal with a PFCU checking or savings account and Online Banking.

BITCOIN

Bitcoin (BTC) is the oldest cryptocurrency and currently the most popular. BTC has a high level of security due to its use of cryptography and decentralized network. BTC is primarily used as a store of value and a means of exchange.

BITCOIN CASH

(BCH) Bitcoin Cash has attracted a dedicated community of supporters who champion its vision of a scalable, low-cost digital currency. Bitcoin Cash remains a prominent player, offering an alternative vision for the future of digital cash.

DOGECOIN

DOGE began as a lighthearted parody but has grown into a widely recognized digital asset. Dogecoin has developed a strong community that uses it for tipping online content creators, fundraising and other charitable activities.

ETHEREUM

One key difference between Ethereum (ETH) and Bitcoin is that ETH allows developers to build decentralized applications on top of its blockchain, while Bitcoin is primarily used as a store of value and a means of exchange.

LITECOIN

Litecoin (LTC) is a peer-to-peer cryptocurrency designed to complement Bitcoin rather than compete with it. Litecoin has established itself as one of the oldest and most widely adopted cryptocurrencies in the market.

SHIBA INU

Shiba Inu (SHIB) is a playful token and a light-hearted alternative to Dogecoin (DOGE) with a vibrant ecosystem of DeFi and NFTs.

SOLANA

Solana (SOL) is a high-speed blockchain known for its scalability and low fees in dApps. Solana is one of the fastest blockchain platforms available. Its ability to handle high transaction volumes with low latency has garnered attention from both developers and investors.

What you need to know: Crypto Portal

PURCHASE

Once you accept the terms and conditions upon launch of the Investment Portal, you can select between the most popular coins like Bitcoin and Dogecoin to invest in. Minimum buy is $6.00. Choose the account you want the funds to pull from and enter your investment amount. Maximum single trade transaction amount is $7,500. There are no daily, weekly or monthly buy/sell limits.

PORTFOLIO

After your initial investment and upon launch of the Investment Portal, you will see your investments listed in your Portfolio. Here you can view your gains and/or losses and the historical price summary based on daily, weekly, monthly duration.

COST-FEES

Buy/Sell exchanges are charged a fee based on the dollar size of your transaction. Minimum fee is $1.99.

TRANSACTIONS

The two most important goals for PFCU are to make it as easy and safe to buy, sell and hold crypto. 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 or receive cryptocurrency to a wallet outside of PFCU.

VALUE

There is no central authority that maintains a crypto’s value. As a result, the value can go up and down very quickly. For that reason, buying crypto as an investment can be riskier than others. The value of cryptocurrency can be highly volatile, so it is important to monitor it regularly.

TAXATION

Your crypto holdings are taxable when you sell them – just like any other investment asset. You can view a quarterly summary of your account activity and download your e-statement via the Investment Portal.

Features: Why Trade Through InvestiFi

1. Investing from your PFCU account makes it efficient to put your money to work for you —no need to transfer funds to a third party or wait for money to settle. This gives you convenient access to your funds for investment opportunities.

2. Utilize a secure platform to trade coins.

3. The platform is designed for traders at many knowledge levels, offering a straightforward entry point to trading crypto with as little as $1. Whether you’re looking to build a nest egg or just exploring trading cryptocurrencies for the first time, you've got the tools you need to move forward.

4. Trading from within the InvestiFi digital banking environment allows you to manage your accounts—checking, savings, loans, credit cards, and now crypto—in one place, giving you a more complete and convenient way to take control of your financial future.

5. Our commitment to supporting the pursuit of your financial goals means the InvestiFi tool includes educational resources designed to make crypto trading clear and straightforward, no matter whether you're a seasoned investor or just starting out.

InvestiFi FAQs

What is digital investing?

Who is InvestiFi?

What is the relationship between Peninsula Federal Credit Union and InvestiFi?

What level of security does InvestiFi have?

Does InvestiFi replace Peninsula Federal Credit Union's Investment Advisors?

Can anyone invest?

*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
Peninsula Federal Credit Union or InvestiFi. Digital assets are (1) not federally or privately insured; (2) not obligations of Peninsula Federal Credit Union; (3) not guaranteed by Peninsula Federal Credit Union; (4) heavily speculative and volatile; (5) may have associated fees; (6) may not allow member recourse; and (7) offered by a third party. Peninsula 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 Peninsula Federal Credit Union and are not guaranteed by Peninsula Federal Credit Union.

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