Every dealer finance desk in America was designed to extract the Black dollar.
Not by accident. By design. For 50 years the auto-loan playbook has priced the same credit profile differently based on who's holding it. Our community pays the gap. The Proposed Trillion Dollar Spending Power Federal Credit Union exists to end it. Your 90-second pledge is what gets it chartered.
Not ready to pledge the full $100 yet?Reserve your spot and we'll hold it.
Four fields. No signature. No DOB. No address. We just need enough to count you toward the 3,000 and email you when the charter is near — so you lock the lowest member rate on day one.
Four numbers you need to see before you walk onto another lot.
Black car buyers are quoted up to 2× the APR of white buyers with the exact same credit profile. (CFPB · DOJ consent order data)
Of all auto loans sold to Black buyers, 76% are originated through dealer-markup programs — the single most expensive channel.
The average Black household overpays $3,200 per auto loan vs. a credit-union-eligible borrower. Over three cars, that's a down payment on a home.
Subprime auto loans sold to Black buyers repossess at 35% — three times the national average. The lender takes the car AND the payments already made.
Sources: CFPB auto-finance disparate-impact studies · DOJ consent orders · National Fair Housing Alliance.
Slide the numbers. See what we save you.
Every slider is interactive. Numbers update live. This is an illustrative preview of what member-owned auto financing would look like at the Proposed Trillion Dollar Spending Power Federal Credit Union — on NCUA charter approval.
It's not your credit score.
It's a system built to keep repeating.
The dealer runs your credit, finds a subprime tier, and quotes a price built around maximum profit — not your budget.
Behind the scenes the lender approved you at 14%. The dealer sells it to you at 22% and keeps the 8-point spread.
You pay 60–72 months. Over half of every dollar is interest. The car depreciates faster than you build equity.
One missed check and the car is gone. Or you trade it in — still underwater — and the negative equity rolls into the next loan. The cycle restarts.
A member-owned credit union rewrites every line of that story.
Not with charity. With structure. A federal credit union is legally required to serve members, not shareholders. That changes who the system is designed for.
On charter approval, loans at TDSP FCU would be priced by a volunteer credit committee — not a profit motive. Dividends return to members, not shareholders.
Pre-approved financing in your pocket before you step on the lot. The dealer sells the car. We finance it. No spread.
Payment history reported to all three bureaus. Second-chance underwriting that looks at your rent, utility, and employment track record — not just a FICO snapshot.
Interest you pay stops funding Wall Street. It funds the next member's mortgage, small business loan, and emergency fund — all inside the proposed field of membership.
Two numbers. One result.
Everything else is already built — the organizers, the business plan, the escrow at Citizens Trust Bank, the field-of-membership study, the policies, the technology stack. We are waiting on you.
Three things. Nine minutes. For the next generation of our community.
90 seconds. Non-binding. Held in escrow at Citizens Trust Bank. Refundable in full if the NCUA does not grant the charter.
6 minutes. Required by the NCUA to prove community need. No sensitive data — no SSN, no FICO, no account numbers.
Each new pledge inside Fulton · DeKalb · College Park moves us toward the 3,000 signatures the NCUA needs to see.
90 seconds · $100 refundable · pending NCUA charter approval
This page is educational and solicits charter support only. The Proposed Trillion Dollar Spending Power Federal Credit Union is pending NCUA charter approval and is not yet operational. It cannot accept deposits, open accounts, or originate loans. No loan rate, product, or approval is promised or implied by this page. Pledges are non-binding expressions of interest, held in a segregated escrow account at Citizens Trust Bank, and are refunded in full if the charter is not granted. Survey responses are collected pursuant to NCUA Chapter 2 field-of-membership study requirements and are transmitted over TLS, stored encrypted at rest, and never sold, leased, or shared.