Registered Representative offering securities and advisory services through Cetera Advisor Networks LLC, [“Cetera”}, a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products are offered through Cetera, or its licensed affiliates. Granite Credit Union is not a registered as a broker-dealer or investment advisor. Registered representatives of Cetera may also be employees of Granite Credit Union. Securities and insurance products and services are being offered through Cetera or its affiliates, which are separate entities from, and not affiliates of, Granite Credit Union. Securities and insurance offered through Cetera or its affiliates are: Not Insured by NCUA or Any Other Government Agency/ Not Granite Credit Union Guaranteed /Not Granite Credit Union Deposits of Obligations/ May Lose Value