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2026 Changes to Qualifying Loans for Community Investment Advances

last updated on Monday, December 1, 2025 in Business News

Effective January 2, 2026, Community Investment Advances (CIAs) will no longer be approved for "anticipatory" loans, i.e., eligible member loans that have not yet closed. 

CIAs continue to be available to members throughout the year for eligible closed loans with originations or refinancing occurring within three months prior to the CIA advance date. Full details on loan eligibility are available for both residential and commercial lending.

Updated applications will be available on our website on Jan. 2. Members can expect the same streamlined process:

  • Easy-to-use application
  • Approval of a reduced-rate CIA typically completed on the same day the application is submitted
  • No ongoing monitoring or reporting after the CIA is approved

Up to $20 Million Available Per Member

Since 2020, 318 members have used over $3.3 billion of Community Investment Advances to access reduced-rate funding to strengthen communities. To learn about how your institution may benefit, please contact your relationship manager or the Community Investment team at 800.544.3452, ext. 2400.