Credit unions that need additional funds sign up and post their CD rates.  It's completely free.

Each post will contain the credit union's name, address, and charter number so that investors can verify its legitimacy.  It will also contain a contact name, e-mail address, telephone number, and the credit union's hours, which will be automatically adjusted for people in different time zones.

Credit unions looking to invest subscribe to our service.  It's free for the first three months and $295 a year after that.  They will receive the posts via e-mail whenever one is created, changed, or deleted.  Everyone is on the same level and gets them at the same time.  Posts are also available on the web site, where they can see them all in a table and sort them however they like.  They can also turn off e-mail notification if they'd like to only get them from the site.

The investors then contact the credit unions to work out the investment.  The credit unions can take down their post at any time, or let them expire automatically after 30 days.  They can also change or renew their post.

Unlike brokers, Trade Systems Inc. does not charge a commision on the actual investment.  Investors only have to pay an annual subscription fee, which doesn't change no matter how much they use the service.  Credit unions looking for funds never have to pay anything.