Climate Adaptation for Underserved Communities 

 

Invest in a greener future for all with the confidence of insured deposits. 

CNote’s Climate Cash™ enables charitable funds of all sizes to deploy cash in the form of deposits into a network of mission-driven banks and credit unions that are working to combat climate change. All deposits are deployed to fund carbon reduction activities in low- to moderate-income communities and communities of color. Every dollar deposited is protected by 100% FDIC or NCUA insurance coverage with competitive interest rates. CNote’s impact reporting provides data on the positive climate activities supported by Climate Cash™ deposits.
 
Example initiatives supported by the Climate Cash™ solution include:

  • Installing affordable solar power in low-income communities

  • Funding energy-efficient appliances and green home/building upgrades

  • Increasing access to electric vehicle financing to reduce emissions

    The fund invests in Certificate of Deposits (CDs) issued by federally-certified Community Development Financial Institutions (CDFIs) and Low-Income Designated Credit Unions (LID-CUs). All CDs that are a part of this fund are fully insured by the FDIC (Federation Deposit Insurance Corporation ) or NCUA (National Credit Union Administration). Capital invested in the fund is illiquid for a 24-month term.

 

3%+ Expected Return

Climate Cash™ deposits are expected to accrue interest at an annualized rate of 3% or more.*

2-year Term

Principal and interest will be returned at the end of the 2-year term and can be re-invested or deployed for another charitable purpose.

Regions Served

National.

Minimum

The minimum to invest in CNote Climate Cash™ is $1,000 per DAF.

*Note: Interest may vary based on prevailing business and economic conditions.

Need more information? Contact Alan Brody, Manager, Impact Investing.

CNote is a women-led impact platform that uses technology to unlock diversified community investments to increase economic mobility and financial inclusion. To achieve this, CNote provides a new and sustainable capital source for their community-lender partners and increases capital access and economic activity in communities that need it most. Founded in 2015 with a mission to close the wealth gap, CNote has developed proprietary tech and diligence engines to invest in a unique asset class that delivers returns and impact.

National Impact: 
CNote manages a total of $260 million across three primary investment strategies, including the Impact Cash Partners Fund.
Impact Since CNote’s inception:
- Over 4,000 Jobs created or maintained
- Over 50% of capital invested into BIPOC-led small businesses
- Over 40% of capital invested into women-led small businesses
- Zero Losses

Current Investors:

LEGAL AND PROGRAM DISCLAIMER: This Website displays information about charitably-oriented options for investment of donor-advised fund assets. Such information is provided for information purposes only and does not constitute an invitation, offer or solicitation to engage in any investment activity including to buy or sell any security or investment product.  All information is provided for informational purpose only.

While The Jewish Community Federation and Endowment Fund of San Francisco, the Peninsula, Marin, and Sonoma Counties (The Federation) has taken reasonable care to ensure that the information contained on this Website is accurate, current and complete, the information on this Website is provided “as is.” The Federation makes no warranty, expressed or implied, regarding the accuracy, validity or completeness of the information on this Website and disclaims all other warranties.