Start Investing With as Little as $11
No new apps. No extra passwords. Log in to ACU online banking, pick your path - automated portfolios, individual stocks, crypto, or a licensed advisor - and your money starts working the same day.
Pick the Approach That Fits You
Prefer automation? EasyVest Automated does the work. Want to pick your own stocks? EasyVest YourChoice gives you control. Curious about crypto? EasyCoin starts at $11. Need a full advisor? ACU Financial Services connects you with a licensed professional.
ACU Financial Services
Best if you want a human expert
Sit down with a licensed professional through Cetera Wealth Services LLC (Member FINRA/SIPC) and build a plan for retirement, college, or your estate.
- Stocks, bonds, mutual funds, ETFs
- CDs and annuities (fixed & variable)
- Retirement planning & college savings
- Estate planning & alternatives
EasyVest Automated
Best if you want it handled for you
Answer a few questions about your goals and risk comfort, and get a custom portfolio of low-cost, broad-index ETFs built to your timeframe. It rebalances itself automatically. Set it up once, let it run.
- $200 minimum deposit & balance
- 0.6% annual fee (0.15%/quarter, $1.50 min)
- Fractional shares & values-driven ETF options
- Individual, retirement, and joint accounts
EasyVest YourChoice
Best if you want to pick your own stocks
Build a custom portfolio your way. Pick your own investments, trade in real time, and buy fractional shares so you can own a piece of any company without paying full-share prices.
- $500 minimum deposit
- $3.00 per month flat fee, no commission math
- Real-time trading & fractional shares
- Monthly portfolio rebalancing
EasyCoin Cryptocurrency
Best if you are crypto-curious
Buy, sell, and hold Bitcoin, Ethereum, Solana, DogeCoin, and XRP Ripple in as little as three clicks, inside the banking app you already trust. When you sell, your funds are available in your account right away.
- $11 minimum deposit
- 2% per transaction fee (buy/sell)
- Real-time prices & transfers inside the app
- 0.5% annual cold storage fee; 30-day AML hold on deposits
Compare Fees and Minimums at a Glance
Open a Retirement Account Without the Big Brokerage Fees
IRA Savings & Certificates
Build your retirement nest egg with competitive dividend rates and NCUA insurance protection.
- Traditional & Roth IRA options
- Competitive dividend rates
- NCUA insured up to $250,000
- 24/7 access via Mobile & Online Banking
- 401(k) rollover support available
IRAs at ACU Have No Monthly Fees
Most brokerages charge account maintenance fees and are not federally insured. ACU IRA accounts have no monthly fees, are NCUA insured up to $250,000, and are managed entirely through Online Banking.
- Member-owned credit union advantage
- No monthly fees or maintenance charges
- Easy online setup and management
- Expert support available anytime
- Flexible rollover & transfer options
Important Disclosures
Securities are offered through Cetera Wealth Services LLC, member FINRA/SIPC. Advisory services are offered through Cetera Investment Advisers LLC. Cetera is not affiliated with America's Credit Union. Investments are not NCUSIF insured, are not deposits, have no credit union guarantee, are not insured by any federal government agency, and may lose value. Alternative investments including managed futures and REITs are available only to qualified investors. EasyVest Automated, EasyVest YourChoice, and EasyCoin are available exclusively through Online Banking and the Mobile App. America's Credit Union has contracted with Access Softek Advisory Services LLC to make non-deposit investment products available to members; DriveWealth LLC, an SEC-registered broker-dealer and member FINRA/SIPC, holds the investment accounts. EasyVest portfolios are built from BlackRock iShares ETFs. Cryptocurrency may lose value and is not FDIC or NCUA insured. A 30-day AML hold applies to initial crypto deposits; withdrawals process within 3 to 5 business days. All investing involves risk, including the possible loss of principal. Past performance is not indicative of future results.
Start Investing in 3 Steps
No broker appointment, no separate account. You are already set up as an ACU member. Log in and go.
Go to online.youracu.org or open the ACU Mobile App. Your existing member login gives you access to all investment tools.
Navigate to the Invest tab. Pick automated ETF investing with EasyVest Automated, self-directed stocks with YourChoice, or crypto with EasyCoin.
Transfer from your ACU account and you are invested. Start with as little as $11 for EasyCoin, $200 for EasyVest Automated, or $500 for YourChoice.
“This place is AMAZING. They are prompt, professional, and fun. Definitely go above and beyond what is expected. I cannot imagine using a different institution.”
Investing FAQs
Answers to what ACU members ask most about getting started with investing.
Your Next Dollar Could Be Working Harder
ACU members open investment accounts directly from Online Banking. No broker appointment, no separate account, no waiting. Start with as little as $11.