At First Pioneers Federal Credit Union, we offer various investment alternatives.  We have CD's and IRA's.  We have links to Members Financial Network and to SEG's who can provide avenues for the members to purchase equities and debt instruments (meaning stocks, bonds, mutual funds and even futures, commodities and leveraged instruments).  And you don't have to worry, there are people there who will explain all of this to you and give you advice as to what is appropriate for you.  Speaking of advice, you can get one-on-one advice from the staff at the Credit Union, from some of our SEG's and  from Members Financial Network.  Most of the instruments that you will be considering are not strictly offerings of First Pioneers Federal Credit Union.  That's OK.  We are not talking about what is best for the Credit Union here, we are talking about what is best for YOU.