Designed to Earn Competitive Returns and Drive Economic Change Through Impact Investing
Use your money to drive positive change throughout America.
As an impact investor, you can achieve competitive returns through CNote’s cash management solution, Impact Cash®, and a potential 4% return with fixed-income offerings such as the Flagship Fund and Wisdom Fund. These solutions offer a chance to earn competitive returns, flexible liquidity, and access to a trusted network of over 2,500+ mission-driven financial institutions. Your cash doesn’t just grow—it creates lasting financial support for underserved communities across the nation. Impact Investors no longer need to choose between growing their wealth and driving positive change.
Grow Your Wealth with Confidence
Maximize your financial potential with CNote’s innovative investment solutions. Whether you’re seeking a secure place for your cash or looking to earn competitive returns, our offerings deliver a balance of impact and performance. With products like Impact Cash®, which provides 100% FDIC or NCUA insurance coverage and fixed-income offering potential 4.00% returns, you can diversify your portfolio with confidence.
CNote connects your capital to a network of over 2,500+ mission-driven financial institutions, offering both safety and the opportunity to make your money work harder.
Invest with Impact
Investing in impact means aligning your financial goals with your values. With competitive returns and the power to drive positive change, your investments can support small businesses, affordable housing, and underserved communities—all while growing your wealth. Make your money work for you and for a better future.
I’ve been investing with CNote for years—in both their Flagship and Wisdom Fund.
— Jodi Morris, Founder at Let’s Venture, Wisdom Fund Investor
Align Your Financial Goals with Your Values
Align your financial goals with your values effortlessly through fixed-income solutions that support mission-driven financial institutions. Imagine growing your wealth while making a meaningful impact in communities.
Flagship Fund
Earn a potential 4.00% return with CNote’s Flagship Fund while supporting community development organizations that fund small business growth, affordable housing, and sustainable economic progress across America.
An Easy Way to Start Impact Investing1 Open to All Investors Competitive Returns Diversified CDFI Investment 30-Month Term With Flexible Quarterly Liquidity2 No Minimum
Impact Cash®
Impact Cash® empowers individuals to align their cash with their values through a secure, 100% FDIC and NCUA-insured solution that preserves capital while driving meaningful social impact.
100% FDIC/NCUA InsuranceBlended APY$50,000 minimum Deposits funds to affordable housing, women-led small business and economic inclusion activities. Flexible Liquidity Accredited Investors Only
Invest in Impact, Invest in Communities.
See where your investments make a difference through Impact Stories from both the Flagship and Wisdom Fund, as well as Impact Cash®.
Thomas Domingue is passionate about opportunities. More specifically, the CEO of Labor Credit Union is passionate about creating opportunities for those around him. It’s a personal mantra that Thomas has woven through his professional journey, which, prior to joining Labor Credit Union, included 13 years working for various multibillion-dollar credit unions. Unsurprisingly, when Thomas joined […]
Allison Wolf got her start in the financial services industry as a college student in 1998, when she took a job as a part-time teller in Long Beach, California. Many things caught Allison’s attention during those formative first few years; however, she found herself particularly entranced by the work of the branch’s loan officers. “It […]
Mira Ness comes from humble beginnings: in her words, she was born into a very big family in a very small town in Kazakhstan. Still, Mira found a way to become the president of one of her country’s biggest banks. However, when she moved to the United States with her American husband, Mira found herself […]
The COVID-19 pandemic turned Chef John Paul Gordon’s life upside down. One day, John Paul was an executive chef catering to Kaua’i’s tourists, the next day, he was unemployed. After more than 20 years of being a chef, John Paul felt like COVID-19 stole his identity away from him overnight. Despite wanting to get back […]
When Norma Fralin needed a car in 2016, she didn’t know where to go. She’d never felt comfortable navigating dealerships and interacting with used-car salesmen, and because there were uncertainties surrounding her credit, Norma didn’t know what kind of auto loan she’d be able to get. That’s when Norma’s daughter, Catina, told her about Freedom […]
- Returns are not guaranteed. The Flagship Fund issues Adjustable Rate Promissory Notes that are non-recourse obligations of CNote and involve the risk of loss, including principal. You should carefully review the all offering documents including note terms prior to investing. ↩︎
- CNote has management discretion around liquidity and currently offers clients quarterly liquidity up to $20,000 or 10% of invested assets, whichever is greater. At a minimum, CNote investors will have access to 10% of their investment every quarter. For full investment terms see the Offering Circular for unaccredited investors and the Private Placement Memorandum for accredited investors. ↩︎
- Returns are not guaranteed. The Wisdom Fund issues Adjustable Rate Promissory Notes that are non-recourse obligations of CNote and involve the risk of loss, including principal. You should carefully review the subscription agreement, note terms, and our Private Placement Memorandum prior to investing. ↩︎
