Community Reinvestment Act

Doing well by doing good

Working with community-based organizations to tackle real-life problems with tangible solutions. Our programs empower individuals of all ages to access credit, attain financial health and build generational equity ensuring that these neighborhoods will thrive.​

Impacts that last

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Our initiatives are designed to help individuals, families and nonprofit organizations grow, compete and succeed in an ever-changing world. We’re dedicated to community development by making loans accessible and bringing financial programs to low- and moderate-income persons and those living in low- and moderate-income geographies.

Read the TIAA Bank CRA mission statement 

“We do our best at not only achieving the spirit of CRA regulation, but we want to be able to demonstrate that our mission of serving others is alive and well.”

Joseph Hernandez
SVP and CRA Officer, TIAA Bank

Assessment Areas

Building strong financial foundations in our Florida communities

TIAA Bank stands together with our community partners operating an intrastate bank branch network, dedicating aid to our seven CRA assessment areas (AA) throughout Florida. Click through our different AAs to see a few of the many organizations we’re proud to support.

Our Core Pillars

Built to serve from the beginning

We are proud to address affordable housing, community lending, investments and services in unique and innovative ways that helps create sustainable communities.

  • lending
    LENDING
  • investments
    INVESTMENTS
  • services
    SERVICES
Accessible homeownership

Accessible homeownership

With a specific focus on low and moderate-income areas, we’re devoted to making loans affordable throughout our assessment areas. We invest in:

  • Mortgage options and down-payment assistance through local and statewide partnerships to suit the community’s credit needs
  • Loans for the purpose of addressing affordable single- and multi-family housing, as well as commercial real estate
  • Low-income housing tax credits (LIHTCs)
Building a better tomorrow

Building a better tomorrow

Our qualified investment activity and charitable donations include an array of options and programs that work in tandem with our community partners. We invest in:

  • Small business investment companies (SBIC), private equity, mortgage-backed securities (MBS) and bonds
  • Economic development through job creation, entrepreneurial technical assistance, community development financial institutions (CDFIs), commercial real estate and multi-tenant properties
  • Revitalization and stabilization for FEMA-designated areas, community redevelopment, municipal consolidated plans, rehabilitation of blighted areas
Leading by doing

Leading by doing

We realize the full potential of our community reinvestment areas by supplementing financial efforts with our personal time, attention and volunteer service hours; including:

  • Financial wellness programs that benefit healthcare centers, community medical/dental facilities, homeless shelters, women’s crisis centers, food pantries and first-time homebuyers
  • Branches, ATMs and alternative delivery systems
  • An array of affordable and flexible lending and deposit products
  • lending
    LENDING
  • investments
    INVESTMENTS
  • services
    SERVICES
Accessible homeownership

Accessible homeownership

With a specific focus on low and moderate-income areas, we’re devoted to making loans affordable throughout our assessment areas. We invest in:

  • Mortgage options and down-payment assistance through local and statewide partnerships to suit the community’s credit needs
  • Loans for the purpose of addressing affordable single- and multi-family housing, as well as commercial real estate
  • Low income housing tax credits (LIHTCs)
Building a better tomorrow

Building a better tomorrow

Our qualified investment activity and charitable donations include an array of options and programs that work in tandem with our community partners. We invest in:

  • Small business investment companies (SBIC), private equity, mortgage backed securities (MBS) and bonds
  • Economic development through job creation, entrepreneurial technical assistance, community development financial institutions (CDFIs), commercial real estate and multi-tenant propertie
  • Revitalization and stabilization for FEMA-designated areas, community redevelopment, municipal consolidated plans, rehabilitation of blighted areas
Fighting hunger head on

Fighting hunger head on

We realize the full potential of our community reinvestment areas by supplementing financial efforts with our personal time, attention and volunteer service hours; including:

  • Financial wellness programs that benefit healthcare centers, community medical/dental facilities, homeless shelters, women’s crisis centers, food pantries and first-time homebuyers
  • Branches, ATMs and alternative delivery systems
  • An array of affordable and flexible lending and deposit products

Interested in having us join your cause?

We seek out strong community partners for investment and lending opportunities through which we can deliver our services and programs.

Read more about the CRA eligibility process  
Request a charitable contribution with our online application  
To view a complete list of our assessment areas, office and branch information, written comments or CRA performance evaluation, download TIAA Bank's Public File