Stocks | Investing | Redstone Federal Credit Union

Live Brighter®

with exciting goals

Stocks & Bonds

Investing in stocks and bonds offers you the opportunity to capitalize on the success of a company by buying a share of it. As investments, stocks are exciting and potentially lucrative, but they are also risky. Bonds involve less risk—depending on the type you purchase—but the rewards might not be as great.

Stocks and bonds are two very different investment vehicles with distinct pros and cons. Based on your budget, goals, and tolerance for risk, you may choose one over the other, or you may decide to diversify your portfolio and invest in a combination of both. Your options are unlimited, and your Financial Consultant can offer useful guidance about what makes sense for you.

Start setting your goals in motion. Contact Us to learn how. 

How stocks work

When you purchase a stock, you are buying a small portion of a company. When the company does well, your share goes up. If the company does poorly, your share goes down. The stock market is often unpredictable and there are no guarantees; however, your money has the potential to grow substantially.

Why should I buy stocks?


Risk and return

  • Stocks offer the opportunity to receive higher rates of return, 
  • but they are risky.

Access to your money

  • You can convert your shares into cash easily and frequently, often with minimal transaction fees.

Lots of choices

  • When buying stocks, you have thousands of options in a wide variety of sectors and industries.

How bonds work

When you buy a bond, you are essentially making a loan to a company, organization, or the government. You’ll get your money back after a certain period of time, and you’ll also receive interest when the bond matures. Unlike stocks, bonds are fixed-income securities, meaning you know what you you’re going to get in return. Bonds issued by the U.S. government are guaranteed if you hold the bond until the time period is up; other bonds are not guaranteed and carry varying degrees of credit risk.

Why should I buy bonds?


Regular income

  • You can elect to receive your 
  • bond payments regularly, and you 
  • can either live on that money or reinvest it. 

Predictability and stability

  • Although you won’t have access to your money while your bond is maturing, you’ll know upfront how much interest you’ll receive. 

Tax-free income

  • Depending on the type of bond you purchase, the interest you earn may be exempt from certain taxes.

Borrow up to

$424,100

Buying in TN? Some counties are eligible for higher loan limits.
Click here for more details.

Finance up to

95%

of purchase price or appraised value, whichever is less.

You may also want to consider

VA loans

Featured Rates:

Interest rate as low as:APR as low as:
10 Year Adjustable Rate Mortgage3.375%4.091%
30 Year Fixed VA Loan4.250%4.537%
Home Equity Line of Credit (HELOC)N/A4.625%

How it works:

  • You choose the down payment amount, either 5% or 10% 
  • We finance 80% of the purchase price or appraised value, whichever is less
  • The remainder is financed as a second mortgage or home equity loan

Need help with your down payment or closing costs? We offer assistance programs to first-time home buyers, veterans, and community partners.
See if you’re eligible
Learn more about Private Mortgage Insurance , including Lender-Paid and Borrower-Paid.

The benefits of investing with Redstone Brokerage Services

Redstone financial experts icon

Financial Consultants

who are knowledgeable, experienced, and focused on helping you succeed using practical investing strategies that fit your life

Redstone portfolio review icon

Free portfolio review

with your Financial Consultant, allowing you to assess where you are now, outline a comprehensive investment plan, and address your questions and concerns

All in one place

Convenience of having it all in one place

when you invest with Redstone Brokerage Services

24-7 Access to your investments

View your investments 24/7

with Redstone's free Online Banking tools

Ready to open a Redstone credit card? 

Redstone email icon

 Send us an email
info@redstonebrokerage.com

Redstone 401k appointment scheduling icon

Schedule an appointment. Please call 256-722-8351 or
800-234-1234 ext. 8351

Home Equity Line of Credit

Borrow up to

$150,000

Minimum loan amount $10,000.

Finance up to

100%

of the appraised value of your home

APR as low as

4.625%

Key Features

  • Variable rate, tied to Prime.
  • Borrow funds as needed. Advance through online banking or access with your HELOC Visa credit card.
  • Payments are due on the 15th of every month.
  • Minimum monthly payment is 1.5% of outstanding balance or $100.00, whichever is greater.
  • May be eligible for tax benefits on interest (check with your tax advisor).
  • No annual fee, no appraisal fee, no closing costs.

Ready to apply for a Home Equity Line of Credit? It’s easy!

EVERY Redstone Visa credit card includes all of these features

Convenience

Quick and easy purchases 

Visa is accepted all over the world

Warranty Manager Service: additional product registration to extend the manufacturer's original warranty on products you buy

Security

Zero-liability fraud protection

Monitor credit card activity with Credit Card Control

Real-time fraud monitoring and fraud text alerts

Identity theft assistance

Savings & Discounts

With Visa SavingsEdge®, you’ll receive discounts at select retailers when you use your Visa credit card.

Redstone Discounts!® when you use your card at many local businesses.

Additional Benefits    

Travel and Emergency Assistance

24-hour Roadside Dispatch service

Auto Rental Collision Damage Waiver insurance coverage for cars rented with your Visa card

Warranty Manager Service manage, use, and extend the warranties of eligible items purchased with your Visa card

Securities offered through LPL Financial, member  FINRA/SIPC.  Insurance products offered through LPL Financial or its licensed affiliates. The investment products sold through LPL Financial are not insured Redstone Federal Credit Union® deposits and are not NCUA insured. These products are not obligations of the Redstone Federal Credit Union and are not endorsed, recommended, or guaranteed by Redstone Federal Credit Union or any government agency. The value of the investment may fluctuate, the return on the investment is not guaranteed, and loss of principal is possible.  The investment products are being offered by an employee of Redstone Federal Credit Union who is also a registered representative of and sells products on behalf of LPL Financial.

The services offered within this investment site are available exclusively through our U.S. registered representatives and are available for U.S. residents only. LPL Financial U.S. registered representatives may only conduct business with residents of the states for which they are properly registered. Please note that not all of the investments and services mentioned are available in every state.

RFCU and Redstone Brokerage Services are not registered broker/dealers.  LPL Financial is a separate entity from and not affiliated with RFCU or Redstone Brokerage Services.  RFCU does not warrant, guarantee, or insure any product or service offered by LPL or Redstone Brokerage Services. Redstone Brokerage Services and RFCU do not provide tax advice.  Please consult your tax advisor for your specific questions.

Must be RFCU member to obtain investment products.  Must be eligible for membership and open a share savings account in order to join.  A $5.00 minimum balance is required to open and mus be maintained in share savings account at all times.  Fees and other restrictions may apply.  RFCU and Redstone Brokerage Services are affiliated but separate entities.

Discount of the Month | Redstone Federal Credit Union

Refer a Friend to Redstone Federal Credit Union

Insurance Services | Redstone Federal Credit Union

FEATURED RATES

Balance transfer0% APR for 12 mos

Lorem ipsum dolor sit amet, consectetur adipisicing elit, sed do eiusmod tempor incididunt

LEARN MORE

30-year fixed mortgage low 3.375% / 3.501%

Lorem ipsum dolor sit amet, consectetur adipisicing elit, sed do eiusmod tempor incididunt

LEARN MORE

New auto loans as low as 2.35%

Lorem ipsum dolor sit amet, consectetur adipisicing elit, sed do eiusmod tempor incididunt

LEARN MORE

Personal loans as low as 9.99% APR

Lorem ipsum dolor sit amet, consectetur adipisicing elit, sed do eiusmod tempor incididunt

LEARN MORE

Join the Conversation #RedstoneFCU

What Will Your Business Do With 5% CashBack?

Live Brighter: Welcoming the Next 65 Years. Click to learn all about it. http://bit.ly/2dqy6Ka   #RFCU65 #creditunion

Live Brighter: Welcoming the Next 65 Years. Click to learn all about it. http://bit.ly/2dqy6Ka   #RFCU65 #creditunion

LOCATE A BRANCH OR ATM

Join The Redstone Family Today

Are you ready to join the credit union that puts you first? Become a member of the Redstone family and you’ll start enjoying the great rates, personalized financial advice, and excellent customer service Redstone is known for.

X Close