X Close. Please note that not all of the investments and services mentioned are available in every state. Federal credit unions offering the sale of nondeposit investment products through a third party brokerage arrangement should do so in a manner that does not mislead or confuse members as to the nature or risks of these uninsured products. Part No annual fee, no appraisal fee, no closing costs. The most common way for federal credit unions to offer nondeposit investment products to their members is by employing third party brokerage arrangements.