Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. Cross Valley Federal Credit Union and the MEMBERS Financial Services Program are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using the MEMBERS Financial Services Program and may also be employees of Cross Valley Federal Credit Union. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, Cross Valley Federal Credit Union or the MEMBERS Financial Services Program. Securities and insurance offered through LPL or its affiliates are: