Huntersville, NC Office
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Credit Union Investment Services
Multi-team
Firm-wide stats for Credit Union Investment Services
About
Credit Union Investment Services primarily serves individual investors who must be residents of North Carolina and maintains a small number of trust clients; it provides non-discretionary portfolio management, asset allocation advice, and retirement and financial planning (the firm also offers a separately described wrap fee program). Clients typically receive recommendations for mutual funds, ETFs and fixed income products rather than discretionary trading by the firm.
CUIS’s advice is goals-based and non-discretionary: the firm emphasizes a long-term horizon (generally recommending at least a five-year holding period), relies largely on no-load, low-cost index mutual funds and ETFs, and uses planning software to model scenarios and conduct annual account reviews while leaving implementation decisions to clients. Investment representatives are salaried employees of the parent credit union and do not receive commissions on recommended products.
The firm is notable for operating inside a credit-union ecosystem: CUIS is a wholly owned subsidiary of State Employees’ Credit Union (SECU), owns an affiliated broker-dealer (SBS), and is connected to affiliated businesses including SECU*RE property management, SECU Life Insurance, and a minority interest in Member Trust Company, each of which can provide ancillary services to clients without obligation. CUIS also reports a predominance of non-discretionary assets (over $3 billion reported as non-discretionary as of June 30, 2025), requires NC residency to open accounts, and generally uses asset-based rather than fixed-fee arrangements while requiring custody through its affiliated brokerage relationships.
Based on Credit Union Investment Services
Location
10411 Arahova Dr.
Huntersville NC 28078
Advisors at this office
3
Advisors at this office
Ioulia L
CFP®, Series 63, Series 65
Huntersville, NC
Credit Union Investment Services
Ioulia Link is a CFP® professional with 16 years of industry experience, currently serving at Credit Union Investment Services. She has held multiple roles within the State Employees' Credit Union system since 2005, including Regional Vice President overseeing financial services for members. Link also acts as a Trust Representative for Members Trust Company and an agent for SECU Life Insurance Company. Credit Union Investment Services serves primarily individual investors in North Carolina, providing non-discretionary portfolio management, retirement and financial planning, and a wrap-fee program. The firm emphasizes low-cost, index-based mutual funds and ETFs, along with fixed-income products, while allowing clients to retain final decision-making authority.
David S
Series 66
Huntersville, NC
Credit Union Investment Services
David Spencer is a financial advisor with Credit Union Investment Services in Huntersville, NC, holding a Series 66 credential and 20 years of industry experience. His career includes roles at SECU Life Insurance Company, State Employees' Credit Union, Fidelity Investments, and Truliant Federal Credit Union. Outside his advisory work, he is a partner in D & A Investment Group, LLC, where he manages personal investments and business operations. Credit Union Investment Services serves primarily individual investors in North Carolina, offering non-discretionary portfolio management and financial planning with a focus on low-cost, index-based mutual funds and ETFs. The firm operates as a subsidiary of State Employees’ Credit Union and emphasizes client decision-making without exercising trading discretion.
Katherine K
Series 63, Series 65
Huntersville, NC
Credit Union Investment Services
Katherine Kerns is a financial advisor with Credit Union Investment Services and holds Series 63 and Series 65 licenses. She has eight years of industry experience and has worked with Members Trust Company, SECU Life Insurance Company, SECU Brokerage Services, and State Employees' Credit Union. In addition to her advisory roles, she serves as a Financial Advisory Services District Manager at State Employees' Credit Union. Credit Union Investment Services serves primarily individual investors in North Carolina, offering non-discretionary portfolio management and retirement planning with a focus on low-cost, index-based mutual funds and ETFs. The firm operates as a subsidiary of State Employees’ Credit Union and manages over $3.0 billion in non-discretionary advisory assets.
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