Participating Better Directions Sites

Newest Better Direction Partner

Municipal Employees Credit Union

Municipal Employees Credit Union (Baltimore, MD)
$1,171,029,316 in assets and 99,464 members

The newest partners to join the Better Directions Program are Municipal Employees Federal Credit Union and the Baltimore Cash Campaign. MECU is partnering with Baltimore Cash to promote economic security for the aging by providing a range of products and services to assist older members including savings and checking accounts, direct deposits, autobuild CDs, personal lines of credit. . They have cultivated a new relationship with the Baltimore City Office of Aging and the Housing Authority of Baltimore City to reach the low-income aging population. Baltimore Cash provides products and services that increase financial stability for low-income families through access to benefits screenings, free tax preparation, connections to saving products and financial education. Baltimore Cash is a recent recipient of a Charles Schwab Foundation grant to pilot an AARP financial education curriculum.

Cooperative Federal Credit Union (Syracuse, NY) 
$19,890,428 in assets and 3,391members

Cooperative Federal CU is a community development credit union serving the “urban core” of Syracuse, New York. They are partnering with Catholic Charities to provide intensive financial education and counseling to underserved aging populations along with transactional services, including savings accounts and loans with built-in savings components.

Products include Go Direct/US Treasury Program to enroll members who are Social security beneficiaries who receive direct deposit; low entry savings accounts, debt consolidations and credit builder loans paired with financial education. Programs include Monthly Financial Planning Workshops, One-on-one Homeownership Financial Counseling and training on Financial Frauds and Scams.


East River Development Alliance Federal Credit Union (Long Island City, NY)
$682,129 in assets and 861 members

The East River Development Alliance FCU serves residents of four public housing developments in Western Queens, Astoria, Ravenswood, and Woodside. ERDA FCU is working with their partner agency, the East River Development Alliance. ERDA’s “Senior Saver Campaign”, offers a senior savings product that is an important gateway to building a relationship with the credit union and introduces financial counseling where asset-building and loan products are discussed, with a special emphasis on loans for credit building. Other offerings include free direct deposit (most often used for social security checks); free automated NYCHA rent payment; free identity theft protection service; and free ERDA FCU accounts for up to three grandchildren


Fairfax County Federal Credit Union (Fairfax, VA)
$249,025,313 in assets and 15,733 members

Located in Fairfax County, Virginia, Fairfax County FCU is partnering with the Virginia Workforce Resource Center, an NCOA Economic Security Site, to create and implement a comprehensive program of mutually beneficial services that offers seniors access to the credit union’s affordable financial products and services and, through the Virginia Workforce Resource Center, access to the wide spectrum of public services and benefits. FCFCU offers a range of services such as one-on-one counseling and financial education workshops, and with customized products that create opportunities for seniors to save, borrow, build credit, and reduce debt.

Specialized products at Fairfax include a $25 deposit by the credit union in new accounts opened by seniors, Customized checking, a borrow and save product, reverse mortgage and low cost trust, retirement and estate planning services


Holy Rosary Credit Union (Kansas City, MO)
$17,284,768 in assets and 5,027 members

Based in Kansas City, Missouri, Holy Rosary CU serves seven Catholic parishes and a community senior center. Holy Rosary is partnering with, the Don Bosco Senior Center, to provide financial education and financial counseling to the Center’s senior population and offering enhanced savings accounts, and credit builder loans. With a full time VISTA employee working on Better Directions, the goal is to arm seniors with the information they need and link them with responsible products to help them become economically secure. Products include Savings with Rewards, Debt Consolidation Loans, Alternatives to Pay Day Loans and beneficial rates on consumer loans. Asked them to send better logo


Mid Cities Credit Union (Compton, CA)
$26,000,000 in assets and 5,600 members

Mid Cities CU currently serves the low income communities of Compton, Lynwood, North Long Beach, Carson, Lynwood, Norwalk and Paramount California. Mid Cities is partnering with the Lynwood Senior Center. Mid-Cities offers their older members a variety of targeted financial products including their Better Directions Silver Lining Share Certificate. Other popular products for seniors are the share-secured VISA Credit card, auto refinance for the “credit challenged” at 7.50% APR, free financial counseling, auto loans with rates as low as 2.99%. The Mending Fences Program repairs or refurbishes homes for elderly and/or disabled homeowners. In addition the credit union offers seniors free financial counseling and financial literacy workshops.


North Side Community Federal Credit Union (Chicago, IL)

$12,203,892 in assets and 3,228 members

North Side Community FCU is community development financial institution and HUD-certified housing counseling agency with over 50 Select Employee Group and community partners. Their field of membership spans five communities in the Chicago area. NSCFCU is partnering with North Side Community Resources. The credit union is focused on marketing and community outreach to build new relationships, promote new product offerings, and developing financial programs for low-income older adults. They are providing affordable, easy-to-access, and competitive savings vehicles for seniors in the community with a range of products; a senior saver club account, a Seniors Borrow and Save loan, and a Senior Saver CD.

Opportunities Credit Union (Winooski, VT)
$36,163,568 in assets and 8,092 members

Opportunities CU is partnering for Better Directions with the Association of Africans Living in Vermont. Opportunities has expanded their current financial products and services and launched Savvy Seniors Savings designed for members age 55 and older. This product allows members a safe place to deposit money and offers special benefits such as five free money orders every month. Their Savvy Senior Emergency Loan Program is for members 55+ in need of an emergency loan. Outreach to seniors includes community leadership meetings focused on increasing financial security to seniors who are immobile and new partnerships with senior housing and senior centers.


Pyramid Federal Credit Union (Tucson, AZ)
$117,739,892 in assets and 13,047 members

Located in Tucson, Arizona, Pyramid FCU is partnering with United Way of Tucson and Southern Arizona. Pyramid is working with United Way to promote economic security for the aging by providing a range of products and services to assist older members. Their suite of product program offerings specific to this project include: debt consolidation loans, benefits fairs, payday alternative loans, and free retirement savings planning. Volunteers from United Way are on-site at several credit union branches to provide benefit checkups and other services to seniors.