Know Your Rights

Community Development Credit Unions

Community development credit unions (CDCUs) are nonprofit, community-based financial cooperatives. They offer affordable savings and checking accounts; personal, business and home loans; free financial counseling and more. As a CDCU member, you have a voice and a vote — members elect the board of directors, as well as credit and supervisory committees.

The CDCUs below have flexible requirements to open accounts, accept IDNYC – the city’s municipal identification card, partner with numerous nonprofit organizations, and have a special mission of serving low income and immigrant New Yorkers and NYC communities of color. 

Contact the CDCUs to learn more about their services and how to join:

Brooklyn Cooperative
Serves Bedford-Stuyvesant, Bushwick, Crown Heights, East New York, and Brownsville, Brooklyn; Glendale and Ridgewood, Queens.
Bedford-Stuyvesant branch: 718-418-8232
Bushwick branch: 718-418-8232

Lower East Side People’s
Serves a broad membership throughout NYC.
Lower East Side branch: 212-529-8197
East Harlem branch: 212-828-6061
North Shore (Staten Island) branch: 718-554-4544

Neighborhood Trust
Serves West Harlem, Washington Heights, Inwood.
Washington Heights branch: 212-740-0900

Urban Upbound
Serves public housing and other residents in Long Island City, Queens.
Long Island City branch: 718-784-5050

For more information and a list of other CDCUs, visit