OnPoint Innovest
Digital investing, made simple.
Bring innovation to your DIY investing. Innovest is a simple, yet empowering, digital investing platform that lets you open and manage investments via Digital Banking anytime, anywhere. Innovest provides access to tools and resources that keep investments accessible, flexible, and affordable, with no monthly account fees for the first three months.
Low monthly fees
Zero Trading Commissions*
No minimum monthly balance
Low opening balance requirements
Access digital investing via Digital Banking.
Getting started with Innovest only takes a few minutes. Be prepared to provide personal information to set up your profile, such as contact information, investment experience, employment/financial status, and beneficiaries.
- Step 1: Sign in to Digital Banking and select “Investing,” then "DIY - OnPoint Innovest." to open the Innovest site.
- Step 2: Choose your path by selecting either the Automated Investing or Self-Directed Investing option.
- Step 3: Complete a simple account setup based on your account selection.
- Step 4: Choose either your OnPoint checking or savings account for easy funding and transfers.
- Final step Fund your account and start investing.
Choose how to access Innovest Digital Investing.
There are two simple options to power your DIY investing:
Automated Investing
Answer questions about risk tolerance and investment goals, then Innovest automatically creates, manages, and rebalances your portfolio. Choose a standard portfolio allocation or one focused on sustainable investing.
Self-Directed Investing
Get direct control of your investments: research, trade, and manage your investments at your own pace.
Compare DIY Digital Investing options.
Automated Investing
Self-Directed Investing
Support from a professional Financial Advisor.
Limited application technical support.
Portfolio automatically created, managed, and aligned to goals.
Choose specific stocks and ETFs.
Monthly fee (First 3 months waived)
Individual investment account (standard investment account)
Retirement accounts (Traditional IRA or Roth IRA)
Compare DIY Digital Investing options.
Support from a professional Financial Advisor.
Support from a professional Financial Advisor.
Limited application technical support.
Limited application technical support.
Portfolio automatically created, managed, and aligned to goals.
Portfolio automatically created, managed, and aligned to goals.
Choose specific stocks and ETFs.
Choose specific stocks and ETFs.
Monthly fee (First 3 months waived)
Monthly fee (First 3 months waived)
Individual investment account (standard investment account)
Individual investment account (standard investment account)
Retirement accounts (Traditional IRA or Roth IRA)
Retirement accounts (Traditional IRA or Roth IRA)
Automated Investing
Support from a professional Financial Advisor.
Limited application technical support.
Portfolio automatically created, managed, and aligned to goals.
Choose specific stocks and ETFs.
Monthly fee (First 3 months waived)
Individual investment account (standard investment account)
Retirement accounts (Traditional IRA or Roth IRA)
Self-Directed Investing
Support from a professional Financial Advisor.
Limited application technical support.
Portfolio automatically created, managed, and aligned to goals.
Choose specific stocks and ETFs.
Monthly fee (First 3 months waived)
Individual investment account (standard investment account)
Retirement accounts (Traditional IRA or Roth IRA)
Digital investment account types
Three investment account types are available through Innovest, giving you options, whether you’re simply diversifying your investment strategy or planning for retirement.
Individual
A standard investment account that allows you to invest on your own timeline, with flexibility to contribute, trade, and withdraw funds as needed.
Traditional IRA (Individual Retirement Account)
A retirement account that allows individuals to deduct contributions from their taxable income, if eligible, with taxes deferred until withdrawals are made.
Roth IRA (Individual Retirement Account)
A retirement account that allows individuals to contribute after-tax income, with potential for tax-free growth and tax-free withdrawals in retirement.
Get started with Innovest Digital Investing
Log in to Digital BankingDisclosures
*Commission-free applies to U.S. equity trades and exchange-traded funds for Green Pier Fintech LLC retail clients. Expenses charged by investments, interest charges, or other expenses for transactions still apply. See brokerage fee schedule for details.
Securities and investment advisory services are:
| Not insured by NCUA or Any Other Government Agency | Not Credit Union Guaranteed | Not Credit Union Deposits or Obligations | May Lose Value |
Innovest Digital Investing
Innovest Digital Investing is made available to OnPoint Community Credit Union (OnPoint) members through OnPoint’s Digital Banking experience, with brokerage services offered by Green Pier Fintech LLC and advisory services offered by IQvestment, LLC. These services are not offered by OnPoint and this platform is separate and independent from OnPoint’s ‘full-service’ investing platform with Financial Advisors in the branch―OnPoint’s Financial Advisors cannot assist with accounts opened through Innovest Digital Investing, per regulatory requirements.
IQvestment
Advisory services are offered by IQvestment, LLC (IQvestment), an SEC Registered Investment Adviser. Advisory services are independent of any services or products offered by OnPoint Community Credit Union (OnPoint). OnPoint is considered a third-party promoter for IQvestment. OnPoint has a fee arrangement with IQvestment and receives compensation for referrals. OnPoint is neither a client nor an investor in IQvestment.
IQvestment Customer Relationship Summary (Form CRS)
Green Pier Fintech LLC
Brokerage and related services are offered by Green Pier Fintech LLC (Green Pier), member FINRA and SIPC, which is a separate entity from, and not affiliated with your credit union, OnPoint Community Credit Union. Your credit union is not a registered broker dealer and is not providing you with any brokerage or related services. Members will interact solely with Green Pier (and not your credit union) regarding brokerage accounts and services. Your credit union refers interested members to Green Pier and receives compensation for certain accounts opened with Green Pier. Your credit union is neither a client nor an investor in Green Pier.
Green Pier Customer Relationship Summary (Form CRS)
FINRA BrokerCheck for Green Pier
Securities and investment advisory services available to U.S. persons only.
Investing involves risk. All investments, including stocks, bonds, mutual funds, and exchange-traded funds (ETFs), carry the risk of loss. The value of your investment may fluctuate over time, and you may gain or lose money.
Important Note: Innovest is separate from OnPoint Investment Services and Raymond James. Our financial advisors cannot assist with Innovest-related questions. A support team from Green Pier Fintech LLC is available by phone or email to assist digital investment account holders with technical issues.
