Since 1982, Inclusiv’s Inclusiv/Capital has helped credit unions strengthen their finances and expand their impact on low-income communities. Inclusiv’s current investment offerings are designed to increase liquidity, boost net worth, and reduce credit unions’ risk so our member CDCUs can achieve greater impact in their local communities.
Inclusiv investment offerings are open to member credit unions in good standing that meet our investment criteria. Learn more about the Inclusiv/Capital’s Eligibility Criteria here.
Inclusiv makes term deposits (“share certificates”) in member credit unions, which enable CDCUs to increase lending to members, to match deposits from other investors, and/or to generate investment income. Inclusiv typically makes non-member and nominee deposits of up to $250,000. Nominee Deposits, which are made in the name of third-party investors, can multiply this many times, as each Nominee Deposit is separately insured up to $250,000. Learn more.
Secondary Capital Loans are subordinated, long-term (five years or more) debt available to credit unions with low-income designation from their regulator. Secondary Capital can count as part of net worth for regulatory purposes, and as such can help growing credit unions to achieve the required minimum capital standards. Inclusiv makes Secondary Capital Loans of up to $2,000,000. Learn more.