Investing Is Now Built into Your Coloramo Account
Published on: June 5, 2026
At Coloramo Federal Credit Union, we're always looking for ways to help our members achieve their financial goals. That is why we're excited to launch a new investment experience directly through your Coloramo online banking account.
Meet Investing with Eko: A New Way to Build Your Financial Future
Whether you are investing for retirement, building long-term wealth, saving for a future goal, or simply curious about getting started, Eko makes investing more accessible, affordable, and convenient than ever before. With Coloramo, investing doesn't have to be complicated. You can manage your investments right alongside your everyday banking in the Coloramo app or online.
Many people assume investing requires thousands of dollars, a financial advisor, or extensive market knowledge. In reality, getting started can be simple. With Eko, you can open an investment account in just a few minutes and begin investing with as little as $10. Most accounts are approved within minutes, and everything can be completed from your computer, tablet, or smartphone. Whether you're taking your first step into investing or you're already familiar with the market, Eko offers options that fit your comfort level.
Three Ways to Invest
We know that one size doesn't fit all when it comes to investing. That's why Eko offers members three different approaches:
1. Self-Directed Investing. If you enjoy researching companies and making your own investment decisions, self-directed investing puts you in total control. You will have access to more than 5,000 stocks and ETFs (Exchange-Traded Funds), including the ability to purchase fractional shares. That means you can invest in many well-known companies without needing enough money to buy a full share. Self-directed accounts feature:
Commission-free trading
No account maintenance fees
Fractional shares starting at just $1
Access to thousands of stocks and ETFs
Unlimited trading flexibility
This option is ideal for investors who want complete control over their portfolios.
2. Hybrid Investing. Want guidance but still like having a say? Hybrid investing combines personalized portfolio recommendations with flexibility. After answering a few questions about your goals, timeline, and risk tolerance, you will receive a customized portfolio designed around your preferences. You can then adjust holdings to better match your interests and investment objectives. Hybrid portfolios also include:
Automatic portfolio rebalancing
Tax-loss harvesting
Diversified stock and bond allocations
Ongoing portfolio management
This option is a great middle ground for members who want professional guidance without giving up control.
3. Pre-Made Portfolios. Prefer a hands-off approach? Pre-made portfolios are professionally designed and managed for you. Investment experts create diversified portfolios based on different risk levels and objectives. Your portfolio is automatically maintained through:
Portfolio rebalancing
Tax-loss harvesting
Diversification across multiple asset classes
Ongoing management
This option allows you to invest confidently without having to monitor the market every day.
What Are Stocks, ETFs, and Bonds?
If you're new to investing, here's a quick overview of these terms.
1. Stocks: When you buy a stock, you're purchasing partial ownership in a company. As the company grows and becomes more valuable, the value of your investment may increase. Some companies also pay dividends, which are distributions of profits to shareholders (Credit Unions do this!).
2. ETFs: Exchange-Traded Funds, or ETFs, are collections of investments bundled together into a single investment. Rather than buying shares of one company, an ETF may hold hundreds or even thousands of stocks or bonds. ETFs are popular because they provide instant diversification and are often lower-cost than other investment products.
3. Bonds: Bonds are generally considered lower-risk investments than stocks. Instead of owning part of a company, you're essentially lending money to a government or corporation in exchange for interest payments. Many pre-built Eko portfolios include both stocks and bond ETFs to help balance growth opportunities with risk management.
Start Small and Grow Over Time
One of the biggest myths about investing is that you need a large amount of money to get started. With Eko built into your Coloramo account, you can begin investing with as little as $10 and have the option to set up recurring deposits as low as $10 weekly, bi-weekly, or monthly. Consistent investing over time can help build momentum toward long-term financial goals. Even small contributions can add up when paired with time and disciplined saving habits.
Market fluctuations are a normal part of investing. While no investment is guaranteed and all investments involve risk, Eko's diversified portfolios are designed to help investors focus on long-term goals rather than short-term market movements. Features such as diversification, automatic rebalancing, and tax-loss harvesting help create a disciplined investment approach that can support long-term financial success.
Manage Everything in One Place
Perhaps the biggest advantage of Eko is convenience. Instead of managing your checking account, savings account, loans, and investments through multiple platforms, you can access everything through your Coloramo digital banking experience. You'll be able to:
Open investment accounts online
Fund investments directly from your accounts
Set recurring contributions
Track portfolio performance
Access statements and tax documents
Manage banking and investing in one secure location
Investing for Every Stage of Life
Whether you are:
Starting your first job
Saving for retirement
Building long-term wealth
Planning for a major life goal
Looking for a simple way to invest consistently
…Eko offers flexible options that can grow with you. At Coloramo, our mission has always been to help members improve their financial well-being. Adding investing to our suite of services is another way we're helping members build stronger financial futures.
Ready to Get Started?
If you are already enrolled in Coloramo’s online banking, simply log in and select the Investments option to begin exploring Eko. Not sure which investing approach is right for you? Our team is happy to help you learn more about the options available.
GET STARTEDInvestment products are not deposits, are NOT NCUA insured, are NOT insured by any government agency, are NOT guaranteed by the Credit Union, are subject to risk, may lose value, and are subject to possible loss of principal. Past performance does not guarantee future results. Consider your financial situation, objectives, and risk tolerance before investing.