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As the only CDFI Credit Union in Tompkins County, our purpose is to make financial products and services affordable and accessible for marginalized and underserved people and businesses in the communities we serve.*

We will not approve or deny a loan based on your credit score

Credit scores are inherently biased against BIPOC borrowers due to a history of economic racism. Our loan officers are also financial counselors. We focus on your whole picture, not your past. Our goal is to help you figure out how to move forward.

If you have had credit issues in the past, want to refinance a high-interest or predatory loan, or simply want to support economic justice....apply today.

We appreciate all of you!

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All loans subject to approval.

*Service area includes the counties of Chemung, Steuben, Schuyler, Seneca, Cayuga, Cortland, Tioga and Tompkins

*All loans subject to approval.

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