Thursday, March 23, 2023

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A proposed flavored tobacco ban is back on the table in Minnesota, Trump attorney Evan Corcoran must testify in the documents probe, and a "clean slate" bill in Missouri would make "expungement" automatic.

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The Fed raises interest rates and reassures the banking system is sound, Norfolk Southern reaffirms a commitment to the people of East Palestine, and TikTok creators gather at the Capitol to support free expression.

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Finding childcare is a struggle everywhere, prompting North Carolina's Transylvania County to try a new approach. Maine is slowly building-out broadband access, but disagreements remain over whether local versus national companies should get the contracts, and specialty apps like "Farmers Dating" help those in small communities connect online.

Hispanic Heritage Month: WA Credit Union Finds Ways to Serve Community

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Friday, September 23, 2022   

Hispanic Heritage Month began in mid-September and runs through Oct. 15, and a financial institution in Washington state is finding unique ways to serve Hispanic members of its community.

Newrizons Credit Union in the western Washington town of Hoquiam offers a variety of financial services to people, regardless of whether they are even members of the credit union. Its chief executive, Ynette Gibbs, said one of the services it provides is helping people with low incomes file their tax returns.

"That helps the Hispanic community, because they get to know a financial institution that's asking for nothing from them," she said, "and they're providing a service that allows them to legally file their taxes, whether they themselves are legal in the country or not."

Gibbs said folks who don't have legal status need to provide an individual tax identification number, or ITIN, to have their income taxes done. She noted that they also can open bank accounts with that number. Gibbs said some of the biggest obstacles to serving Hispanic community members are language and a lack of overall trust in financial institutions.

Another way Newrizons builds trust with this community is through internships for local high school students. Also, Gibbs will be speaking on a National Credit Union Administration panel next month about the credit union's 'Pathway to Citizenship' program.

"That's a program where we marry together the concept of a savings account and a line of credit," she said, "particularly focused on paying the costs of gaining citizenship, which can be a 10-year process."

In a 2017 report, the Federal Deposit Insurance Corp. found about 30% of low-income Hispanic households didn't have bank accounts. Gibbs said some rely on payday lenders because of their lack of trust in traditional financial institutions. She said credit unions such as hers are willing to take a chance on folks who may not have had the chance to bank elsewhere.

"We're more open to getting to know that person and helping them," she said, "when others may not be willing to, or just don't see the value in that sector to serve."


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