Designed to Earn Competitive Returns and Drive Economic Change Through Impact Investing
Use your money to drive positive change throughout America.
As an impact investor, you can achieve competitive returns through CNote’s cash management solution, Impact Cash®, and a potential 4% return with fixed-income offerings such as the Flagship Fund and Wisdom Fund. These solutions offer a chance to earn competitive returns, flexible liquidity, and access to a trusted network of over 2,500+ mission-driven financial institutions. Your cash doesn’t just grow—it creates lasting financial support for underserved communities across the nation. Impact Investors no longer need to choose between growing their wealth and driving positive change.
Grow Your Wealth with Confidence
Maximize your financial potential with CNote’s innovative investment solutions. Whether you’re seeking a secure place for your cash or looking to earn competitive returns, our offerings deliver a balance of impact and performance. With products like Impact Cash®, which provides 100% FDIC or NCUA insurance coverage and fixed-income offering potential 4.00% returns, you can diversify your portfolio with confidence.
CNote connects your capital to a network of over 2,500+ mission-driven financial institutions, offering both safety and the opportunity to make your money work harder.
Invest with Impact
Investing in impact means aligning your financial goals with your values. With competitive returns and the power to drive positive change, your investments can support small businesses, affordable housing, and underserved communities—all while growing your wealth. Make your money work for you and for a better future.
I’ve been investing with CNote for years—in both their Flagship and Wisdom Fund.
— Jodi Morris, Founder at Let’s Venture, Wisdom Fund Investor
Align Your Financial Goals with Your Values
Align your financial goals with your values effortlessly through fixed-income solutions that support mission-driven financial institutions. Imagine growing your wealth while making a meaningful impact in communities.
Flagship Fund
Earn a potential 4.00% return with CNote’s Flagship Fund while supporting community development organizations that fund small business growth, affordable housing, and sustainable economic progress across America.
An Easy Way to Start Impact Investing1 Open to All Investors Competitive Returns Diversified CDFI Investment 30-Month Term With Flexible Quarterly Liquidity2 No Minimum
Impact Cash®
Impact Cash® empowers individuals to align their cash with their values through a secure, 100% FDIC and NCUA-insured solution that preserves capital while driving meaningful social impact.
100% FDIC/NCUA InsuranceBlended APY$50,000 minimum Deposits funds to affordable housing, women-led small business and economic inclusion activities. Flexible Liquidity Accredited Investors Only
Invest in Impact, Invest in Communities.
See where your investments make a difference through Impact Stories from both the Flagship and Wisdom Fund, as well as Impact Cash®.
In 2013, Kent Curtis had a question to answer. As the president and CEO of First Southwest Bank, he wanted to know which direction to steer the financial institution, which has served the San Luis Valley for more than 100 years. Colorado has three persistent poverty counties, and First Southwest Bank is located in the […]
Catherine Dorsey had always dreamed of becoming a nurse. In 2016, the Detroit resident took a step closer to fulfilling her dream by beginning medical school in Ohio. And while she worked through the demanding courses, another difficulty materialized: her rapidly accumulating bills. In order to pay for her medical school loans, car loans, and […]
When Virginia Community Capital was established by a group of bipartisan state legislators in 2006, the goal was to create a business model that would attract social investors near and far to create jobs, enhance the quality of life, and promote vibrant communities in historically underserved areas across the state. Part of that business model […]
Bill Rose recently celebrated a big milestone: 34 years of sobriety. That also happens to be nearly how long Bill has been active in rehabilitation facilities. Six months into his recovery from drug and alcohol addiction, Bill began volunteering in drug treatment programs. At the time, he worked for a local oil company, but he […]
“I never thought I would end up working in a financial institution,” says Ivory Lloyd of Kaua’i FCU. Samoan born and raised on Kauaʻi, in her college years, she worked in non-profits mainly focused on sustainability. With an undergraduate degree in political science and an international master’s degree in sustainable development and corporate social responsibility, […]
- Returns are not guaranteed. The Flagship Fund issues Adjustable Rate Promissory Notes that are non-recourse obligations of CNote and involve the risk of loss, including principal. You should carefully review the all offering documents including note terms prior to investing. ↩︎
- CNote has management discretion around liquidity and currently offers clients quarterly liquidity up to $20,000 or 10% of invested assets, whichever is greater. At a minimum, CNote investors will have access to 10% of their investment every quarter. For full investment terms see the Offering Circular for unaccredited investors and the Private Placement Memorandum for accredited investors. ↩︎
- Returns are not guaranteed. The Wisdom Fund issues Adjustable Rate Promissory Notes that are non-recourse obligations of CNote and involve the risk of loss, including principal. You should carefully review the subscription agreement, note terms, and our Private Placement Memorandum prior to investing. ↩︎