Think there’s no room for creativity in banking? Think again. These stories from the last month reveal a host of new ways credit unions are finding to serve members and make a difference in their communities.

Special loan programs at cooperatives across the country address equity, financial deserts, emergency aid, and climate change.

GreenState Credit Union has committed $1 billion toward home loans for communities of color. CEO Jeff Disterhoft is rallying the entire industry to take similar steps.

The Wyoming-based credit union is testing a program that rewards members for contributing to a fund to help other members more easily afford a down payment on a home.

A program at Carolina Foothills FCU targets low-income borrowers with flexible underwriting practices, financial education, and partnerships with public, private, and nonprofit groups.

Since its launch in 2010, the credit union’s Summer Youth Employment Program has helped young members earn an income, save money, and build financial wellness.

The Connecticut credit union has an in-depth plan for how it plans to help narrow the racial wealth gap and expand access to underbanked consumers.

Through the Volunteer Income Tax Assistance program, cooperatives help prep and file tax returns for underserved community members.

A focus on reining in costs and changing organizational culture have transformed the Ohio-based institution.

VSECU is one of a few financial institutions that serves the needs of cannabis businesses in Vermont. By doing so, the credit union addresses an area of financial exclusion within its field of membership.