Members Cooperative Credit Union receives compensation from MML Investors Services (MMLIS) and its affiliates for referring clients to MMLISand its representatives. This compensation creates an incentive for Members Cooperative Credit Union to refer clients to MMLIS and its representatives, resulting in a material conflict of interest.
MMLIS’s affiliates include Massachusetts Mutual Life Insurance Company (MassMutual), C.M. Life Insurance Company (CM Life), and MML Insurance Agency, LLC (MMLIA). For the products and services offered through MMLIS, Members Cooperative Credit Union will receive up to 24.5% of the dealer concessions, commissions and advisory fees received by MMLIS. For products offered by and through MassMutual, CM Life and MMLIA, Members Cooperative Credit Union will receive a percentage (which will be determined at the time of purchase) of the compensation paid to the MMLIS representative.
Members Cooperative Credit Union is not affiliated with MMLIS or any of MMLIS’s affiliates (including MassMutual), and Members Cooperative Credit Union is not a client of MMLIS.
Securities products and investment advisory services are offered through representatives of MML Investors Services, LLC, Member SIPC® and a Massachusetts Mutual Life Insurance Company subsidiary, 1295 State Street, Springfield, MA 01111.
Licensed to sell insurance in: Colorado, Kansas, Washington, Florida, Michigan, Minnesota, North Carolina, Nevada, Texas and Wisconsin.
Licensed to sell securities in: California, Colorado, Florida, Hawaii, Kansas, Missouri, Nevada, South Dakota, Texas, Wisconsin and Minnesota.
Not all products and services are offered through MassMutual.
*Securities are offered through MML Investors Services, LLC.
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Investment and/or insurance products offered are:
• Not insured by the Federal Deposit Insurance Corporation (“FDIC”), the National Credit Union Administration (“NCUA”) or any other government agency.
• Not a deposit or other obligation of the credit union or an affiliate of the credit union and is not guaranteed by the credit union.
• Subject to investment risks, including possible loss of the principle invested, and not a condition to the credit union’s extension of credit.
Neither MassMutual nor any of its employees or agents are authorized to give legal or tax advice. Consult your own personal attorney, legal, or tax counsel on specific legal and tax matters. Securities, investment advisory and financial planning services offered through qualified registered representatives of MML Investors Services, LLC., Member SIPC.
Supervisory office: 100 South 5th Street, Suite 2300 and 2450 Minneapolis, MN 55402 612-333-1413. Members Cooperative Credit Union is not a subsidiary or affiliate of MML Investors Services, LLC or MassMutual.
MassMutual Central US is not affiliated with Members Cooperative Credit Union. Each firm is independently responsible for the services they provide.
Local firms are sales offices of Massachusetts Mutual Life Insurance Company (MassMutual), and are not subsidiaries of MassMutual or its affiliated companies.