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CUIS is an Investment Adviser registered with the State of North Carolina.
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All CUIS representatives are also full-time, salaried employees of SECU.
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CUIS believes in long-lasting relationships built on trust and transparency. Our representatives are members of your local community who take the time to understand your unique situation, goals, and challenges.
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Check the background of this firm on Financial Industry Regulatory Authority (FINRA)’s BrokerCheck.
Understand your investment opportunities
Investing is a long-term strategy. We typically recommend investing only if you don’t need the funds for five years or more. Both tax-advantaged and taxable accounts are available as possible vehicles for your investments. Tax-advantaged accounts, such as an Individual Retirement Account (IRA), offer tax benefits but come with restrictions on when and how you can withdraw money. Explore your options:
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Determine your eligibility
If you are a resident of North Carolina and wish to invest a minimum of $3,500 for at least five years, contact our Financial Advisory Services Contact Center for more information.
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Understand the associated costs
CUIS charges an annual asset-based fee of 0.25% for cash and individual fixed-income securities (including U.S. Treasuries & brokered CDs) and 0.50% for all other securities (equities, mutual funds, exchange-traded funds, etc.). This advisory fee is collected quarterly in advance directly from your account and provides access to an in-person CUIS representative. Other fees, including those from the clearing firm, Pershing, LLC, also apply. CUIS representatives will present all potential costs to you upfront, so you can be confident that our program meets your financial needs.
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Decide if you want to consolidate existing investments
Based on your preference and other considerations, such as potential tax liability, you may wish to transfer your existing assets in-kind or liquidate them and use the proceeds to purchase mutual funds offered through CUIS. If you want to consolidate your existing investments into a single CUIS account, bring your statements when you meet with a CUIS representative.
