The markets roiled several times last year, scaring investors to pull out and wait on the sidelines.

It was likely one more obstacle that has prevented credit unions from growing their retail investment programs. Some say the top challenge has been a lack of awareness as most members might not associate getting their financial planning needs met at their local cooperative.

Social media platforms could continue to shape how credit unions can potentially educate members on services such as helping to save for retirement and college and establishing trusts and living wills.

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