In recent months, immigration enforcement has intensified across the U.S., impacting many non-English-speaking families who are now facing heightened uncertainty about their future. The Laken Riley Act, passed earlier this year, expands the federal government’s ability to detain undocumented immigrants accused of certain crimes and allows states to challenge federal immigration policies. While the bill is positioned as a public safety measure, its broad application means that many undocumented individuals—regardless of their contributions to their communities—are now being prioritized for deportation.
For non-English-speaking families, this reality brings more than just legal concerns; it creates financial instability, emotional distress, and barriers to essential services. Many individuals are active participants in their local economies, with checking accounts, loans, and financial commitments at credit unions. With ICE increasing deportation efforts, families now worry about everything from sudden separations to losing access to their financial assets.
This is where credit unions can make a meaningful impact. Regardless of political opinions, the reality is that members are experiencing anxiety and uncertainty—and credit unions, as trusted community institutions, have the unique ability to offer guidance, support, and stability during these challenging times.
How credit unions can step up without taking a political stance
One of the best things about credit unions is their commitment to their motto: people helping people. Right now, non-English-speaking members need more than just a place to store their money—they need a financial institution that understands their challenges and proactively supports their long-term stability.
Here’s how credit unions can provide real value to their immigrant members without getting involved in politics:
1. Provide financial education and resources
Many non-English-speaking families don’t just struggle with immigration concerns—they also face financial challenges due to language barriers, lack of access to resources, and unfamiliarity with the U.S. financial system. Credit unions can help by offering:
- Multilingual financial literacy workshops covering topics like building credit, managing savings, and planning for financial security in case of sudden life changes.
- Educational content in multiple languages, helping members understand their rights, banking options, and strategies to protect their finances.
- Guidance on handling accounts and assets if a family member faces deportation or visa complications, ensuring members aren’t left financially stranded.
2. Create a safe and inclusive banking experience
Right now, many immigrant families are feeling uneasy. Some are even afraid to visit banks and credit unions, fearing their information could somehow be used against them. Credit unions can combat this fear by fostering a trust-driven environment that reassures members their financial well-being is a top priority.
Some ways to build trust include:
- Offer language support across all touchpoints—branches, online banking, mobile apps, and customer service hotlines.
- Train staff in cultural competence so they understand how to interact with and reassure immigrant members.
- Emphasize data privacy policies so members know their information is safe and confidential.
3. Partner with local organizations to offer legal and social support
Immigration uncertainty often comes with legal confusion and financial distress. Credit unions don’t need to be legal experts—but they can serve as a bridge between their members and trusted organizations that provide legal guidance, financial planning assistance, and emergency support.
Consider:
- Partnering with legal aid groups specializing in immigration-related financial issues, such as handling accounts when a family member is detained or deported.
- Providing resources for members navigating visa renewals and other immigration processes that impact their financial security.
- Collaborating with community groups offering counseling and emergency assistance to distressed families.
The bottom line: Trust is everything
Credit unions don’t have to take a political stance to support their members—they just have to be there for them. Right now, non-English-speaking immigrant members are looking for reassurance, guidance, and stability. Credit unions can reinforce their commitment to serving all people—regardless of language or background—by offering financial education, fostering an inclusive environment, and connecting members to valuable resources.
This isn’t just about retention. It’s about strengthening trust, building loyalty, and ensuring all members feel secure in their financial future—no matter the challenges they face.
