Mark Scheuffele

Hey @NavyFederal — I've been a member for over 35 years, NFCU is my primary financial institution, and I want to raise something I think deserves a closer look. Digital Investor is marketed with a "$1 minimum investment" — language that signals accessibility for young service members just starting to build wealth. But the $3.50/month flat fee works against that mission in a way I don't think is intentional. An E-2 investing $20/month loses 17.5% of their contribution to that fee before a single dollar reaches the market. Even with the Active Duty Checking discount ($2.50/month), it's still 12.5%. At $50/month — already a stretch on junior enlisted pay — it's still 7%. That's more than most high-fee actively managed mutual funds charge annually. And the fee is collected whether the account goes up or down. The flat fee structure is regressive by design — it hits hardest on the youngest, lowest-paid members you serve. There's a model worth considering: in May 2020, USAA sold their brokerage operation to Schwab and now simply refers members there at no added cost. They decided that getting their members to the best zero-cost platform was better than building and charging for their own. Member outcome over revenue capture. There are better options available — platforms charging $0/month, with no minimums, that actually match 1% of recurring deposits for qualifying members — paying young investors to build the habit Digital Investor charges them for. We owe the people still serving the best possible access to start building their own wealth. @NavyFederal needs to offer better investing access than Digital Investor currently provides — because as it stands, the fee structure borders on predatory toward the very members it claims to serve. @CharlesSchwab @USAA @SoFiIR @RobinhoodComms

@SoFiSupport What SoFI concern? I was making a suggestion. A suggestion based on my thought that SoFi is doing something better than other institutions. I am retired and I have Sofi, NFCU and other accounts. I don't have an issue. I have a suggestion....not a concern.

@SwingTek Hey there, we completely understand your concerns. We invite you to contact us directly at 855-456-7634 to speak with one of our representatives. We would be happy to help you.

Hey @SoFi @anthonynoto I think you can help. I have been with Navy Federal Credit Union since 1991. But NFCU's Digital Investor platform is marketed with a "$1 minimum investment" — language designed to signal accessibility for young service members. Then they charge $3.50/month to use it. An E-2 investing $20/month loses 17.5% of their contribution to that flat fee before a single dollar reaches the market. Even with their "Active Duty Checking" discount ($2.50/month), it's still 12.5%. At $50/month — already a stretch on junior enlisted pay — it's still 7%. That's 6–9x what a high-fee actively managed mutual fund charges. And NFCU collects that fee whether the account goes up or down. For contrast: USAA looked at this same problem and made the opposite decision. In May 2020 they sold their entire brokerage operation to Schwab and now simply refer their members there — at no added cost. They chose member outcome over revenue capture. That's a matter of public record. You're already doing this right. $0/month, $0 minimum, fractional shares from $1, and a 1% match on recurring deposits for qualifying members. You literally pay young investors to build the habit NFCU charges them for. The market is 1.3 million active duty enlisted personnel. Many are 18–24 years old, have direct deposit, and are being underserved by the institution they trust most. As a TSP investor, NFCU and SoFi customer, and a retired servicemember — I think we owe it to the people still serving to give them the best possible access to start building their own wealth. Can @SoFi help @NavyFederal offer better investing access to its members, the way USAA did over six years ago?

@anthonynoto Build a awesome STABLE! Always have new fresh horses. (A La Notre Dame) SoFI’s five horses of finance; Galileo, LBP, Technisys, Invest, and the new horse to the stable…Crypto.

Now that the deal has closed we can answer questions you may have. The ability to do so prior to closing is limited. The below tweet should provide some clarity to what has been asked. Fresh 🐎 Horses...we ride!!

@anthonynoto A diverse stable—chargers, hunters, & workhorses—is a strategic advantage. In fluid logistics, adaptability wins. Use the new war chest to fund a versatile 'SoFi STABLE' ready to meet any challenge and seize every opportunity.

As long as we continue to live up to these ideals – every single minute of every day – we will accomplish our long-term ambitions and build something truly special along the way. Fresh Horses We Ride!

The @SoFi Way!! SoFi was built for one mission: Help people achieve financial independence so they can realize their ambitions.

@anthonynoto @SoFi Outstanding!!!

We @Sofi had an exceptional second quarter with record member and product growth and 44% adjusted net revenue growth – our highest in over 2 years. 29% EBITDA margin. The new rule of 70!! We’re building faster than ever to deliver unmatched value to our members and clients. Thank you to our @SoFi members for trusting us to help you achieve your goals. More here: investors.sofi.com/news/news-deta…

@amitisinvesting @Futurenvesting said Amit has extra arms. Do you mean like MIB2? youtube.com/watch?v=eRVQNq…

i am trying to sleep bro

@anthonynoto @SoFi As a Marine, I liked engagement from my leaders, it did not have to be much. But it helped to show they are present and in the moment. As an investor, and a person who recomends the product to others. I appreciate the recent additional engagement.

How about those apples!! 🍎 @SoFi

@Futurenvesting Does NU have a startegy for Crypto Currency, Stables and Wallets? And is there enough to form a thesis?

3. Nubank $NU Now here’s your real outlier: NUBANK! • May 2024: 17.24M • May 2025: 34.17M That’s a +98.2% YoY surge in traffic! Nubank has consistently grown monthly traffic over the past year, with brand new highs in March, April & an amazing beat in May. This is happening as Nubank scales into new markets, adds cross-selling, and deepens its ecosystem. For a digital bank, that kind of traffic jump is very bullish. Suggests increasing brand strength, more account activity, and potential NII and fee income growth. $NU is quietly becoming the biggest fintech player worldwide!

🚨 Fintech Website Traffic is in for May 🚨 Website visits may not tell the full story, but they do offer a real-time look at user engagement, brand strength, and digital momentum, especially for platforms with no physical branches. In this thread, I break down the biggest outliers (good and bad) in web traffic trends across the fintech space: We’ll cover: • SoFi, $SOFI • Robinhood, $HOOD • Nubank, $NU • CashApp, $XYZ Let’s dive in 👇

@wakeupusa No, but they should be a Citizen.

Should foreign born citizens be banned from holding elected office?

@WHLeavitt 9

President Trump asked me to do an online survey here: on a scale from 1-10, rate the DOGE’s performance so far.

@FDA_Drug_Info @elonmusk You have experience with timing of shorters of Tesla. And the FDA needs your attention. Timing of DRUG announcements feed negative perception that the FDA is NOT working for American’s, but is for big Pharma. Timing is curious….very curious….

📢 FDA has determined the shortage of semaglutide injection products, a glucagon-like peptide 1 (GLP-1) medication, is resolved. Learn more: fda.gov/drugs/drug-saf…

@FDA_Drug_Info Hey Sara, funny how the perfect timing of this announcement really hurts some and helps other companies. This announcement timing is the kind of thing that makes American's think the FDA is in the pocket of big Pharma. Are you sure the FDA is independent? Perception….

Patients and prescribers may still see intermittent and limited localized supply disruptions as the products move through the supply chain from the manufacturer and distributors to local pharmacies.

@TrumpRealDaily I would be good with 40%. Most of the people in the middle make decisions based on, is it easier on themselves. Not on those working below them. So, make a flow chart of all the steps for anything. Then cut out the center of the flow chart. AI can do that intermediate form flow.

🚨I want from you to be Honest for this Question: Would you be okay with Donald Trump firing 85% of the Federal Government ? YES OR NO?

@JDVanceNewsX yes

Be Honest: if you still stand with Trump 100% , Just Drop a "Yes". Show Trump your Loyalty! 🇺🇸🇺🇸

@StifelInst KBW sub cast wide doubt on trusting you. Either they don’t look for deeper data, or they they have SHILLs working for them.

As 2024 comes to a close, Stifel would like to thank you for your continued trust and support. From ours to yours, wishing you a happy holiday season and a joyous New Year!

@DataDInvesting Great, insightful and super helpful video. If a viewer can’t watch the whole thing, I would say watch from the 7 min mark for one minute. LPB expectations explained very well.

Looking for some real $SOFI analysis? In this video I do a deep dive on SoFi's new game-changing Loan Platform Business. It's my first recorded video, so go easy on me in the comments.