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Based on my careful review of CMCU’s available disclosures, I have significant concerns when evaluating total trading costs—especially for products like major indices such as the US100. To begin with, CMCU is primarily structured as a credit union offering savings, loans, and some investment and travel-related services. Nowhere in their published documentation did I find transparent details about actual access to forex or index CFDs, let alone any dedicated information on spreads, commissions, or swaps for instruments like the US100. Instead, CMCU’s fee structure is centered around banking products. For example, they clearly list a $5 monthly access fee for most accounts, and there are explicit transaction costs for routine banking activities such as transfers or cash withdrawals. However, I could not verify any reference to trading costs tied to financial market instruments or contract-for-difference trading on indices. The nature of their ASIC license (now exceeded) raises further red flags regarding the scope of their authorized services. Regulatory overrun and ambiguity on asset offering make me especially cautious as a trader seeking transparent cost structure for something as specific as US100. In my experience, if a broker does not clearly specify trading conditions—particularly for complex products like index CFDs—the safest choice is to proceed with considerable caution or look elsewhere. Clarity and regulatory status are essential for cost calculation, and on these fronts, CMCU appears to be lacking. For my own capital, I would require much firmer evidence of both product availability and transparent pricing before considering any trading here.