Low-Income Designated Credit Unions

Numerous credit unions offer valuable usage of economic services for individuals of all of the income amounts, including those underserved or unserved by old-fashioned banking institutions. Credit unions serving predominately people qualifying as “low-income members” are awarded NCUA’s “low-income designation” and are usually afforded particular advantages supplied for by law, including:

• accepting deposits that are non-member any supply
• providing additional capital records
• qualifying for exceptions through the aggregate loan restriction for user loans
• taking part in NCUA’s Community Development Revolving Loan Program providing both loans and funds for technical support. To get more information, check out NCUA’s workplace of Credit Union Resources and Expansion (starts window that is new web web web page.

What’s a Low-Income Credit Union (LICU)?

A LICU is just a credit union by which a lot of its account (50.01%) qualifies as low-income members as defined in part 701.34 of NCUA Rules and Regulations (opens brand new screen) . Low-income users are the ones whom make 80 % or not as much as the family that is median or total median profits for folks for the metropolitan area their current address, or perhaps the nationwide metropolitan area, whichever is greater. The figures for the state-wide non-metropolitan area or the national non-metropolitan area are used, whichever is greater for non-metropolitan areas.

If you want to find LICUs in your area or see whether a credit union may be eligible for NCUA’s low-income designation, contact NCUA’s Office of customer Financial Protection.

What exactly are Community Developing Credit Unions (CDCUs)?

The word “CDCU” is certainly not a term found in the Federal Credit Union Act or NCUA’s regulations. Credit unions making use of this term generally define by themselves as being a credit union specialized in serving and revitalizing communities that are low-income. 자세히 보기 →

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