Proposed·Trillion Dollar Spending Power Federal Credit Union
Phase I: Complete.
Phase II: In Progress.
What we're finishing before we submit to NCUA
- 7+ organizers listed on Form 9500
- Board of Directors identified (min 5)
- Supervisory Committee identified (min 3)
- Credit Committee or Loan Officer policy
- 500+ pledged charter supporters
- 3,000 charter supporters (stretch goal)
- $500,000 donated capital — verified donor commitments
- 60%+ of supporters inside Field Of Membership
- $100 paid pledges collected
- FOM boundaries published (GeoJSON)
- FOM Study appendix PNG generated
- Fulton + DeKalb + College Park ZIP catalog
- 385 potential-member surveys — random sample, county quotas
- Economic Feasibility Narrative (PDF)
- 24-month pro-forma balance sheet
- 24-month pro-forma income statement
- Capitalization Plan
- Member fee schedule
- Loan pricing matrix
- Lending Policy
- BSA / AML + CIP Policy
- Investment Policy
- ALM & Liquidity Policy
- Third-Party / Vendor Management Policy
- Information Security Program (GLBA 501(b))
- Records Retention Policy
- Proposed Bylaws (NCUA Form 9501)
- Articles of Association
- Fidelity Bond coverage (≥ $250K)
- Letter of Intent to NCUA Regional Director
- Church Pack outreach — at least 1 send
- Church Pack bulk blast — 100+ pastors reached
- Social flyers published (3 sizes)
- Founder's announcement video published
- Letters of support from community leaders
- Proposed branch headquarters identified
- Core banking vendor selected
- Online/mobile banking platform selected
- Debit card processor selected (VISA/MC)
- ACH + shared-branch network membership
Today, we rise.
For over a century, our communities watched our dollars leave at sunset and never return at dawn. Today — that story bends.
With a quiet, relentless hand, our organizing group has submitted every Phase 1 document required by the National Credit Union Administration. Every signature. Every disclosure. Every page of our Field of Membership study for Fulton County, DeKalb County, and the people of College Park. And on October 21, 2026, we received our Field of Membership (FOM) Pre-Approval Letter.
And Phase 2 is now in progress — the Business Plan, Capital Projections, Policies & Procedures, and Marketing Plan are being prepared for NCUA review.
This is not a dream. This is a proposed federal credit union being built brick by brick, pledge by pledge, by the hands of the people it will serve.
We are not asking for permission to exist. We are documenting that we already do.
To every pledger. Every supporter. Every ancestor whose name we carry — thank you.
The vault is being built. The charter is coming.
Proposed Credit Union — pending NCUA charter approval. Pledges indicate non-binding intent to become a charter supporter upon NCUA approval. Funds are not accepted as deposits.
One Trillion Dollars of Spending Power.One Fund. One People.
Black Dollars United is pooling $50 million over the next two years to build the manufacturing plants, grocery stores, banks, hospitals, and food franchises that revitalize our communities, create jobs, and keep every dollar circulating where it was earned.
BlackDollarsUnited
One trillion dollars of spending power. One fund. One people. We circulate the dollar back into the hands that built America — and we do it together.
The Trillion Dollar
Spending Power Fund
A community-owned vault. Every deposit compounds Black economic power. Every dollar recirculates into the businesses, banks, and infrastructure our neighborhoods have built without.
All funds → Citizen Trust Bank · Trillion Dollar Spending Power Fund
3,000 Signed Pledges · $500,000 Seed CapitalOne step closer to NCUA Charter Approval — transferring the wealth back to the community.
We raise $50 million in 24 months. We build the businesses our communities cannot live without. We hire our own. We own the outcome.
For every dollar that leaves our community and never returns, another door closes. Black Dollars United reverses that flow. Every contributor becomes a stakeholder in the Trillion Dollar Spending Power Fund — a permanent community-owned engine that finances the infrastructure, jobs, and institutions that our people have too often had to build without capital.
Six Pillars of Ownership
The $50M is not charity. It is capital. Deployed across six categories designed to create durable, revenue-generating community assets.
Manufacturing
Build production capacity that keeps supply chains within our community.
Grocery & Food
Grocery stores and food franchises that feed and employ our neighborhoods.
Community Banks
Own the vault. Recycle every dollar we deposit back into our own hands.
Hospitals & Health
Modern healthcare facilities owned by and for the community.
Infrastructure
Real estate, housing, and mixed-use development in the heart of the community.
Jobs & Training
Every dollar spent creates a job. Every job trained becomes a career.
Wear the movement.
Fund the fund.
Every tee, cap, and hoodie is a walking billboard for the Trillion Dollar Spending Power Fund. Every sale routes profit into the TDSP Fund's Citizen Trust Bank account.
The people already building it.
Anthony "Spark Plug" Thomas
“I put Black excellence on the cover so the next generation grows up seeing what's possible. Every business owner I feature is proof that we build, we win, and we uplift each other.”
The founders of the fund.
Members who opted to have their name recorded publicly. Every dollar builds our future. Add yours — pledge here.
- 01Greg Bradford2 pledges$41