At Ellafi, our mission has always been about more than banking, it's about helping you build real, lasting financial independence. Today, we're excited to open the next chapter of that mission: Investments is now live, giving every Ellafi member a simple way to start investing right from the digital banking you already use.
Whether you've been investing for years or have never opened an account in your life, Investments was built to meet you exactly where you are.
Why We Built This
For a long time, investing has felt like it was designed for someone else, someone with more money, more time, or more insider knowledge. We don't believe that. We believe every member deserves a real, accessible path to grow their money and build long-term financial resilience, and that belief is at the heart of everything we do at Ellafi.
Investments is our way of putting that belief into practice. No new app to download. No separate login to remember. No minimum balance that locks you out. Just an easy, guided way to start building your future, right alongside the accounts you already manage with us.
What You Can Do With Investments
We wanted this to be more than "just another feature", so here's a closer look at what's actually available to you:
Start with as little as $10.
You don't need a windfall to get started. Open an account and begin investing with whatever amount feels right for you.
Choose the level of involvement that fits you.
- Hybrid Portfolios, Get a portfolio built around your goals and risk tolerance, then customize it by adding or removing individual stocks and ETFs to make it your own.
- Pre-Built Portfolios, Prefer a simpler, hands-off approach? We'll match you to a professionally constructed portfolio based on your risk appetite and investment preferences, no picking and choosing required.
- Self-Directed Investing, Want full control? Build your own portfolio from scratch, choosing from thousands of fractional stocks and ETFs, with 100% commission-free trading.
Get a portfolio that works while you're not looking. For our Hybrid and Pre-Built portfolios, ongoing portfolio rebalancing and tax-loss harvesting are handled on your behalf, so your investments stay aligned with your goals without you having to manage it day to day.
Set it and grow it. Set up automatic, recurring contributions so you can build steady investing habits over time, without having to think about it every payday.
See everything in one place. Your Investments account lives right inside Ellafi's digital banking, the same place you already check your balance and pay your bills. No extra logins, no extra apps, no extra hassle.
Know exactly what you're paying. Transparent fees, based on the type of portfolio you choose, so there are never any surprises
Getting Started Is Simple
- Log in to your Ellafi digital banking on desktop or mobile.
- Find Investments in your dashboard and complete a short onboarding process to set your goals and risk preferences.
- Fund your account and choose your portfolio path, Hybrid, Pre-Built, or Self-Directed.
- Start growing. Add funds whenever you're ready, set up recurring contributions, and track your progress right alongside your everyday banking.
Investing in You, the Ellafi Way
This launch is one more way we're living out our mission, to empower, lead, and lift the members who inspire everything we do. We can't wait to see what you build.
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A Quick Note on How This Works
Investments is offered directly through Ellafi's digital banking platform through our partnership with Eko Investments, Inc. ("Eko"), an SEC-registered investment adviser. Brokerage services, including holding and trading securities, are provided by Eko's broker-dealer partner, Alpaca Securities LLC, member FINRA/SIPC. This partnership allows us to bring you a modern investing experience without asking you to open yet another account somewhere else.
Investments are not NCUA insured, are not deposits, and may lose value. Investments are offered directly on our digital banking platform through Eko Investments, Inc. ("Eko"). Cash and securities held in your investment account are NOT deposits, are NOT NCUA insured, are NOT insured by any government agency, and are NOT guaranteed by Ellafi Federal Credit Union. They are subject to investment risks, including possible loss of principal. Fees may apply. Please see your Investments account for additional disclosures.