In a world where social and economic inequalities are increasingly visible, there is a growing demand for options that drive positive social change. CNote’s Impact Cash® offers a unique opportunity to support initiatives that empower underserved communities and foster economic inclusion.

What is Impact Cash®?

Impact Cash® directs funds into Community Development Financial Institutions (CDFIs), Minority Depository Institutions (MDIs), and other vetted community finance organizations. These institutions provide vital financial services and support to underbanked and underserved communities, promoting economic stability and growth.

Key Features of Impact Cash®:

1. Blended APY*: Benefit from competitive returns with a blended Annual Percentage Yield (APY).
2. Cash with Impact: Your funds support initiatives that create meaningful social change.
3. 100% FDIC and NCUA Insurance Coverage: Ensuring your deposits are secure.
4. Supports CDFI Banks and Credit Unions: Directing funds to institutions that make a difference.
5. Flexible Liquidity: Access your funds with ease and flexibility.

Why Use Impact Cash®?

1. Social Impact: Deposits placed in Impact Cash® are put to work in supporting impact-driven bank and credit union partners of CNote. The focus is generally on underserved communities, but are unrestricted in terms of where this impact can be tailored to. 
2. Financial Returns*: Impact Cash® offers competitive returns, proving that you don’t have to sacrifice financial performance to make a difference. Your funds grow while contributing to meaningful social change.
3. Transparency: CNote provides regular updates on the impact of your deposits, showcasing how your dollars are making a tangible difference in communities across the country.
4. Community Empowerment: By utilizing Impact Cash®, you’re supporting organizations that empower individuals and communities, helping them achieve financial independence and stability. Garden Island Gymnastics in Kappaa Kaua’i, Hawaii worked with KFCU (a CNote Impact Cash® Parter) to secure a PPP loan, along with two $5000 grants, one no-interest loan, and another through the Cares Act. Read about this CNote Impact Cash® Success Story here.

Impact Cash® is more than just a deposit; it’s a commitment to building stronger, more inclusive communities. By choosing Impact Cash®, you’re helping to bridge the economic gap and create opportunities for those who need it most. Join us in making a lasting impact on communities while achieving your financial goals.

 

*CNote Group, Inc. is not a bank, a credit union, or any other type of financial institution. CNote is not a registered investment advisor with the Securities and Exchange Commission (SEC) or a broker-dealer authorized by the Financial Industry Regulatory Authority (FINRA). CNote is not a legal, financial, accounting or tax advisor. CNote does not negotiate interest rates. Impact Cash is not a security or investment. Impact CashⓇ deposits are insured by the FDIC or NCUA, subject to the terms and conditions of the Impact CashⓇ agreements. We encourage you to consult with a financial adviser or investment professional to determine whether or not the CNote platform makes sense for you. This information should not be relied upon as research, investment or financial advice. This material is strictly for illustrative, educational, or informational purposes and is subject to change. Any projected returns are illustrative, based on interest rates offered currently or in the past, which may be subject to change at any time, and may not reflect the ultimate rate of return. Past performance is no guarantee of future results, and future returns may vary.