Social Impact Deposits

Social Impact Deposits

Inclusiv partners with institutional investors to make a difference and build inclusive economies through their investments.

For nearly four decades, Inclusiv has worked with banks, foundations, socially responsible trusts, religious institutions, healthcare corporations, and others, to scale and effectively integrate social impact into their portfolios. One such partnership is Inclusiv's collaboration with NerdWallet on several initiatives to advance financial access in underserved communities.

Inclusiv has partnered with Primary Financial Co. LLC to launch the Social Impact Deposits Platform. Inclusiv’s Social Impact Deposits Platform enables institutional investors to seamlessly purchase and create a portfolio federally insured certificates of deposits aligned across different impact initiatives.

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Non-Member and Nominee Deposits

Inclusiv makes Non-member and Nominee Deposits in CDCUs to boost liquidity and support member credit unions’ expanded provision of safe and affordable loans to their local communities. Non-member deposits are so called because they are deposits made by an organization or an individual who is not a member of the credit union. Inclusiv also facilitates Nominee Deposits on behalf of third-party investors of up to $250,000. Inclusiv coordinates the placement of the deposit, but the third party investor is the depositor of record and the beneficiary of the insurance. Nominee Deposits can multiply the amount invested many times, as each Nominee Deposit is separately insured up to $250,000.


All Inclusiv member credit unions with low-income designation that meet our general eligibility criteria are eligible to apply for non-member and nominee deposits. See general Eligibility Criteria here.


Inclusiv makes Non-Member and Nominee Deposits of up to $250,000. We strive to make deposits available below market interest rates in order to support credit unions as they contribute to their respective communities. Deposit terms range from 1 to 3 years.

How to Apply

Applications for non-member and nominee deposits are received and approved on a rolling basis. For eligible CDCUs seeking deposits, please complete the Credit Union Deposits Form.

How does it work?

The Inclusiv Social Impact Deposits Platform offers options in custodial and DTC eligible CDs with no safekeeping fees in terms ranging from 3 months to 5 years or longer.  Payments and administration of CDs are automated.  An investor selects their own CDs based on terms and impact parameters and purchases directly on the platform.  The Platform can split large investments across multiple institutions to keep funds 100% insured.  Certificates and insurance rights are in the name of the investor.

Watch the video for a brief overview of the platform:

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