Do You Have Paper Stock Certificates?
are not credit union deposits and are not insured by
the NCUA or any federal government agency. They
are not obligations of or guaranteed by a credit
investment risks, including possible loss of principal.
Investment representatives are also credit union
employees, who may accept deposits.
Retiree Members with
If your spouse is an NCRGEA member and you
sion plans, you are eligible for the Member and Associate
monthly premium rates! Check out those
rates in your 2020 Open Enrollment brochure or
Associate Member today. Associate Members are
In the past, if you purchased shares of stock,
sent your ownership of the security. Today, most
tunately, even if you were issued a physical stock
your shares into electronic format and hold them in
an investment account. Let’s consider why holding
stocks in electronic format may be a more practical
Although there is no cost for holding physical
securely to avoid risks such as theft, loss, or dam-
will likely result in fees if they must be re-issued.
cates to the issuer, generally via mail. This prevents
shareowners from selling quickly. Since share
values can vary minute-by-minute, you could be
losing money while you wait for your shares to be
must remember to report any change of address
directly with each individual company so that important
mailings and dividends are not missed.
cates. Transactions can be performed quickly and
easily, and ownership in several different companies
can be consolidated into one account. Instead
of receiving dividend checks in the mail, holding
vest your dividends at no cost or even receive dividend
payments directly into your checking account.
after your death is generally easier if the shares are
If you are interested in opening an investment
with an Investment Representative.
Investment advisory services offered to North
Carolina residents through Credit Union Investment
Services. Securities offered through SECU Brokerage
Services. Member FINRA, SIPC. Securities products
8 Living Power