Inclusiv provides capital resources to member community development credit unions to increase their capacity to serve underserved communities. Since its establishment in 1982, Inclusiv/Capital, the investment arm of Inclusiv, has invested over $200 million in community development credit unions.

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 Inclusiv/Capital’s Eligibility Criteria here.

Inclusiv/Insights Quarterly Trends Call: 2022 Q4 and Outlook for 2023

Thursday, March 30, 2023 10:30am - 11:15am ET

Join Inclusiv/Capital for Inclusiv/Insights, a quarterly financial trends review of CDFI and minority designated credit unions. During this session, we will review the landscape of CDFI and MDI credit unions, their financial performance and impact in advancing financial inclusion and equitable local economies.

Please send your questions to Cathi Kim, Director, Inclusiv/Capital before 5:00pm ET, Monday, March 27, 2023.

Secondary Capital

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.

Southern Equity Fund

In 2019 Inclusiv announced the formation of a $45 million fund that will invest capital in credit unions serving low-income and communities of color in 17 southern states, including Alabama, Arkansas, Delaware, Florida, Georgia, Kentucky, Louisiana, Maryland, Mississippi, Missouri, North Carolina, Oklahoma, South Carolina, Tennessee, Texas, Virginia and West Virginia. Learn more.


Inclusiv/Mortgage purchases seasoned, performing mortgage loans from member credit unions to replenish CDCUs’ loan capital, thereby expanding lending in local communities. Inclusiv/Mortgage will purchase first lien, one-to-four family and condominium mortgage loans, manufactured home loans, and coop loans of up to $250,000. Learn more.

Non-Member & Nominee Deposits

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.

Social Impact Deposits

Inclusiv partners with institutional investors to make a difference and build inclusive economies through their investments. One such partnership is Inclusiv's collaboration with NerdWallet on several initiatives to advance financial access in underserved communities. Learn More.

Opportunities to Invest

An investment in Inclusiv is an investment in cooperatively-owned nonprofit financial institutions focused on serving low- and moderate-income communities across the nation. For more than 30 years, foundations, banks, religious organizations, and other institutions have invested in CDCUs through Inclusiv/Capital. Learn more.

Fireside Chats

Inclusiv CEO/President Cathie Mahon is hosting  a series of videos with various CEOs discussing opportunities and benefits of social impact investing. Keep checking the page for new interviews:

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