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INVESTMENT FAQ

Investment Services: Frequently Asked Questions

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Yes—membership is required, and joining is easy.
To access investment services through Addison Avenue, you must be a member of First Tech Federal Credit Union. This ensures we can provide personalized financial guidance and investment solutions that align with your goals.

Becoming a member is simple and opens the door to a full suite of financial tools designed to help you build wealth, plan, and reach your dreams.

Why Membership Matters:

  • Access to Addison Avenue Investment Services
  • Personalized support from licensed financial professionals
  • Exclusive member-only financial products and planning tools
  • A trusted partner committed to your long-term success

Helpful Resources:

Email: investments@firsttechfed.com

Let’s make sure your investment moves are supported.
While the Investor Access trading platform allows you to place equity trades (like stocks), mutual fund and option trades require a different process.

To place a mutual fund or option trade, please contact the Investment Services Support Center directly:

Call: 855.744.8585
Email: investments@firsttechfed.com

Our team is here to help you navigate your options and ensure your trades are executed accurately and efficiently.

Helpful Resources:

Managing your account securely is simple.
If you need to update your password for your Investor Access account, follow these steps:

To change your password:

  1. Log in to your Investor Access account.
  2. Click on the Account Services tab.
  3. In the My Profile section, select Change Your Password.
  4. Follow the prompts to create a new password.

If you forgot your password:

  • Go to the Investor Access login page.
  • Click Forgot Password and follow the instructions to reset it securely.

Need help? Our support team is here for you.

Email: investments@firsttechfed.com
Call: 855.744.8585

Helpful Resources:

We’re here to make managing your investments simple and stress-free.

To deposit or withdraw funds from your First Tech investment account, you have two easy options:

  • Connect with your Financial Advisor
    Your advisor knows your goals and can guide you through the process step by step.
  • Call our Investment Services Support Center
    Reach us at 855.744.8585, Monday through Friday, 7:30 AM – 4:00 PM PT. Our team is ready to help with transfers, account questions, and more.

 

Tip: If you're planning a large withdrawal or need funds by a specific date, we recommend reaching out a few days in advance to ensure everything goes smoothly.

 

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Going paperless is a smart way to stay organized and protect your information—and we make it easy.

To enroll in e-Statements for your Raymond James investment account:

  1. Log in to Investor Access
    Investor Access Login
  2. Go to the Documents tab
  3. Select “Change Statement Delivery Preference”
    Choose paperless delivery for:

    • Account statements
    • Trade confirmations
    • Other correspondence

     

  4. Confirm your preferences
    Follow the final steps to complete your enrollment.

 

 Note: You must be enrolled in Investor Access to view your statements online.

What if I have annuities or direct mutual fund accounts?

For these account types, e-Statement preferences must be set directly through the fund or annuity company’s website. Log in to your account with the provider to update your delivery settings.

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We’re here to help you access your retirement funds with confidence and clarity.

To request a distribution from your IRA investment account, you have two trusted options:

  • Connect with your Financial Advisor
    Your advisor can walk you through the process, explain your options, and ensure your distribution aligns with your financial goals.
  • Call our Investment Services Support Center
    Reach us at 855.744.8585, Monday through Friday, 7:30 AM – 4:00 PM PT. Our team is ready to assist with your IRA distribution and answer any investment-related questions.

Important: IRA distributions may have tax implications. Your advisor can help you understand how your choices affect your financial plan.

Email: investments@firsttechfed.com

Helpful Resources:

Managing your investments should be simple, secure, and seamless—and with First Tech, it is.

You can view all your accounts in one place through First Tech Online Banking, including:

  • Raymond James accounts
  • Direct mutual funds
  • Annuities
  • Your First Tech accounts

With single sign-on, you’ll get a clear snapshot of your finances—balances, holdings, and transaction history—all in one easy-to-navigate dashboard.

Want more detailed insights into your Raymond James account?

Log in to Investor Access for advanced features:

  • View balances, activity, and holdings
  • Transfer funds electronically
  • Access and print account statements
  • Choose how you receive documents (paperless, mail, or both)
  • Explore market data, stock quotes, and company reports

Investor Access Login

Note: Direct mutual fund account details are not available through Investor Access. You’ll need to log in directly with the fund provider to view those accounts.

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An Individual Retirement Account (IRA) is a powerful way to save for your future while enjoying tax advantages today.

Here’s how it works:

  • You invest for the long term.
    IRAs are designed to help you grow your savings over time through investments like stocks, bonds, and mutual funds.
  • You benefit from tax advantages.
    Depending on the type of IRA, your contributions may be tax-deductible, and your earnings can grow tax-deferred or even tax-free.
  • You take distributions in retirement.
    When you're ready to use your funds, you can sell investments and withdraw money. Keep in mind that distributions may have tax implications and could affect your retirement strategy.

Need help choosing the right IRA?
Your First Tech Financial Advisor can help you explore your options and build a plan that supports your long-term goals.

 

Important: Always consult a certified tax professional to understand how IRA contributions and withdrawals may impact your taxes.

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Rolling over your 401(k) is a smart step toward consolidating your retirement savings and keeping your financial future on track. We’re here to make the process smooth and stress-free.

Here’s how to get started:

  1. Schedule a no-cost consultation
    Our Financial Advisors will walk you through your rollover options, explain potential tax implications, and help you avoid penalties or delays.
  2. Call our Investment Services Support Center
    Reach us at 855.744.8585, Monday through Friday, 7:30 AM – 4:00 PM PT. We’ll answer your questions and guide you through the next steps.

Tip: Timing and account type matter. A direct rollover typically avoids taxes and penalties, but it’s important to understand your specific situation. Your advisor can help you make informed decisions.

 

Reminder: Always consult a certified tax professional to understand how a rollover may affect your tax situation.

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We want every conversation with your Financial Advisor to be meaningful and focused on your goals. That’s why we recommend scheduling an appointment in advance.

Appointments are available:

  • In person at a location near you
  • By phone for convenience
  • Online via video conferencing for flexibility

To find an advisor and book your appointment:

  • Visit our Investment Services page
  • Or call our Investment Services Support Center at 855.744.8585, Monday through Friday, 7:30 AM – 4:00 PM PT

Tip: Booking ahead ensures your advisor has time set aside just for you—whether you're planning for retirement, exploring investment options, or rolling over a 401(k).

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An Individual Retirement Account (IRA) is a smart way to build long-term financial security while taking advantage of valuable tax benefits.

Here’s how an IRA can support your future:

  • Tax advantages
    Traditional IRAs offer tax-deferred growth, meaning you won’t pay taxes on earnings until you withdraw funds in retirement. Roth IRAs allow for tax-free growth and withdrawals, since contributions are made with after-tax dollars.
  • Investment flexibility
    You have control over how your IRA is invested—whether in stocks, bonds, mutual funds, or other options—so you can tailor your strategy to your goals.
  • Protection and accessibility
    IRAs are available to most U.S. citizens and may offer certain protections, such as shielding assets in bankruptcy.
  • Contribution limits and rules
    Annual contribution limits apply, and eligibility for tax benefits may depend on your income and filing status. Your Financial Advisor can help you navigate these details.

Want to learn more about Roth IRAs?
Check out our Roth IRA overview to see how after-tax contributions can benefit your retirement plan.

 

Reminder: Always consult a certified tax professional to understand how IRA contributions and withdrawals may affect your taxes.

Helpful Resources

Both 401(k)s and IRAs are powerful tools for retirement savings—but they work a little differently.

401(k): Employer-Sponsored

  • Offered through your employer
  • Contributions are often made through payroll deductions
  • Many employers offer matching contributions, helping you grow your savings faster
  • Investment options are selected by the plan administrator
  • Some plans allow you to borrow from your account (loan terms vary)

IRA: Individually Managed

  • Opened and managed by you—not tied to an employer
  • Offers more flexibility in choosing investments
  • Contribution limits are lower than 401(k)s
  • Available in two types:
    • Traditional IRA: Contributions may be tax-deductible; earnings grow tax-deferred
    • Roth IRA: Contributions are made with after-tax dollars; qualified withdrawals are tax-free

Need help deciding which option is right for you?
Our Financial Advisors can help you compare plans and build a strategy that fits your goals.

 

Reminder: Contribution limits, tax benefits, and withdrawal rules vary. Consult a certified tax professional for personalized guidance.

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Yes—you can open a share certificate within your IRA to help grow your retirement savings with predictable returns.

Share certificates offer:

  • Fixed rates for a set term
  • Low-risk growth for conservative investors
  • Tax advantages when held within an IRA (Traditional or Roth)

Opening a share certificate in your IRA can be a smart way to diversify your retirement portfolio while keeping your savings secure.

 

Tip: Your Financial Advisor can help you choose the right term and rate based on your retirement timeline and goals.

 

Reminder: Contribution limits and withdrawal rules still apply to IRAs, even when holding share certificates. Consult a tax professional for personalized guidance.

Helpful Resources

It depends on the type of share certificate and the terms associated with it.

Most IRA share certificates come with early withdrawal penalties if you access your principal before the certificate reaches maturity. These penalties typically involve forfeiting a portion of the interest earned.

However, there are options to consider:

  • No-penalty share certificates: Some financial institutions offer certificates that allow early withdrawals without fees. These may be a good fit if you want more flexibility.
  • Acceptable penalty terms: If you anticipate needing access to your funds early, look for certificates with minimal penalties or shorter terms.
  • Partial interest loss: In some cases, you may be able to close the certificate early and only give up a portion of the dividends or interest.

Tip: Your Financial Advisor can help you choose a certificate that balances growth and liquidity based on your retirement goals.

Reminder: IRA rules still apply. Early withdrawals from an IRA—regardless of the investment type—may have tax implications. Always consult a certified tax professional before making changes.

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An IRA (Individual Retirement Account) is a type of account designed to help you save for retirement with tax advantages. A share certificate, on the other hand, is a specific investment product that offers fixed returns over a set period.

Here’s how they work together:

  • IRA:
    • A retirement account that can hold a variety of investments (e.g., stocks, bonds, mutual funds, share certificates)
    • Offers tax-deferred or tax-free growth depending on the type (Traditional or Roth)
    • Subject to contribution limits and withdrawal rules
  • Share Certificate:
    • A low-risk investment with a fixed rate and term
    • Can be held inside an IRA to grow retirement savings
    • Can also be opened outside of an IRA for general savings goals

Tip: Holding a share certificate within an IRA can help you earn steady returns while benefiting from tax advantages. Your Financial Advisor can help you decide if this strategy fits your retirement plan.

Reminder: IRA rules still apply to share certificates held within the account, including contribution limits and potential penalties for early withdrawals.

Helpful Resources

IRA share certificate rates at First Tech Federal Credit Union are designed to offer competitive returns while helping you grow your retirement savings securely.

Rates vary based on terms and market conditions.

Tip: Bump-Up Certificates allow you to increase your rate once during the term if market rates rise—great for staying flexible in changing conditions.

Reminder: Rates may change and are subject to availability. IRA rules and early withdrawal penalties still apply. Always consult a Financial Advisor or tax professional before making changes to your retirement strategy.

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