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Menu of Services

REAL Solutions® aims to help people with low wealth become credit union members, grow savings, establish credit, and build assets. The following list contains some of the latest innovations used by credit unions to help with outreach efforts to the unbanked, underbanked, youth and young adult markets.

Transaction Services

  • 2nd Chance/Fresh Start Checking
  • Check cashing for non-members
  • Pre-paid stored value cards
  • International remittance services
  • Participation in a Voluntary Income Tax Assistance (VITA) program

Credit Products and Services

  • Payday alternative loan
  • 2nd Chance or credit rebuilder loan
  • Alternative credit reports
  • Non-score based loans
  • Score builder loans
  • Refund anticipation loans
  • Non-prime used car loans
  • Citizenship loans
  • First and last rent loans
  • “Green” loans
  • Small business loans
  • Credit rebuilder financial education assistance

Savings Products or Services

  • Step-up CDs
  • Goal savings
  • Reverse-tiered savings
  • Prize-based savings
  • Savings challenge
  • Loan + savings
  • IDAs
  • “Keep the change” round-up debit savings
  • Youth savings

Home Ownership Products or Services

  • Home Loan Payment Relief (HLPR) mortgages
  • First time homebuyer programs
  • “Sweat equity” mortgages
  • Subprime mortgages
  • No PMI mortgage
  • Timely payment rewards
  • Reverse mortgages
  • Foreclosure assistance programs
  • Home ownership financial education programs/services

Immigrant/New American Outreach Products or Services

  • SAFE Accounts
  • Accept matricula consular or other international IDs
  • Accept ITINs
  • ITIN loans
  • Citizenship loans
  • Quincianera loans
  • Bi- or multi-lingual services
  • International remittances
  • Money orders/bill payment for utilities
  • Put a branch in an area to serve an immigrant market
  • Financial education programs for an immigrant market

Youth/Young Adult Products or Services

  • Youth savings accounts
  • Teen savings and transaction accounts
  • First loans/first Visa cards
  • First time homebuyers
  • In-school branches
  • Financial education programs for youth/young adults
  • Reality fairs
  • Student loans
  • Scholarships
  • Advisory boards