† Securities and variable annuities are offered through XCU Capital Corporation, Inc., member N.A.S.D, S.I.P.C.

Investment and insurance products are not credit union deposits, are not insured by the NCUA or any federal government agency. They are not obligations of, or guaranteed by, a credit union, or XCU Capital Corporation, Inc., Focus Insurance Agency, Inc., and are subject to investment risks, including possible loss of principal amount invested.