Environmental justice is economic justice. Many of the communities we serve are disproportionately affected by climate change, pollution, and related economic and health impacts. That’s why our environmental commitment is embedded in everything we do. Core principles of our environmental work include: We do not finance fossil fuel extraction, infrastructure or delivery. We lend to organizations that have a positive environmental impact. We are expanding green financing options to help reduce energy burden for the communities we serve. We benchmark energy usage, prioritize energy efficient investments, and follow green building guidelines in our real estate development. We’re leading the way in carbon footprint tracking in the CDFI field. Looking ahead, we see the EPA's Greenhouse Gas Reduction Fund as an unprecedented opportunity to bring the benefits of a low-carbon transition to households and communities facing higher energy burdens and disproportionate risks from climate change. We have joined Climate United, a collaboration of experienced, mission-driven lenders and investors dedicated to bringing accessible clean energy solutions to Justice40 communities across the country. Lending 60% of our direct lending (1980-2022) has been to Justice40 disadvantaged communities $420 million in commercial loans that support green lending (including renewable energy, energy efficiency, and green businesses and non-profits) $6.9 million in Paycheck Protection Program forgivable loans to 63 environmental organizations $42 million in home energy efficiency improvement loan purchases repaid via homeowners’ utility bills Green vehicle discounts for electric vehicles (EVs) and plug-in hybrid electric vehicles (PHEVs) Residential rooftop solar loan (available in CA, expanding to other states) Coming soon: Energy efficiency home improvement lending Real Estate Investment In all our real estate development and branch facilities work, we benchmark energy use and prioritize green building guidelines. Our residential real estate developments have been solidly, consistently green since 2013. We certify to SystemVision standard, which provides a comfort & energy guarantee for all new homes that we build directly. Self-Help has helped create 225 energy efficient, affordable housing units. They include renovations of dilapidated houses, new construction, and transit-friendly mixed use, like the Willard Street Apartments. Self- Help Carbon Footprint In 2018, Self-Help became one of the first North American financial institutions to join the Partnership for Carbon Accounting Financials (PCAF), a global effort to help financial institutions become more accountable for fighting climate change. We helped develop a guide to help community development financial institutions (CDFIs) measure & report GHG emissions. We analyze and report our greenhouse gas emissions, including our commercial loans and commercial real estate operations. We work with other lenders and advocate to advance sustainability. Read our regulatory recommendations to accelerate inclusive investment in a clean energy economy: The Climate Imperative Community Finance February, 2021. 1 / 8 2 / 8 3 / 8 4 / 8 5 / 8 6 / 8 7 / 8 8 / 8 ❮ ❯ Click the images below to learn more. We finance renewable energy. Financing Renewable Energy We have invested over $175 million in solar development companies that are providing a clean energy alternative to fossil fuels and opportunities for economic advancement in rural communities. These installations have created 2,250 jobs in the clean-energy sector and have provided over 280 megawatts of clean energy to the grid--enough to power 53,000 homes. "We're grateful for our partnership with Self-Help. The opportunity to build our business with a sophisticated green energy investor like Self-Help at our side is unique and exciting." - Allan Riska, Cypress Creek Renewables We support green businesses. Supporting Green Businesses We have invested over $161 million in businesses and nonprofits that have shown a commitment to sustainability and reducing their environmental impact. Our investments have financed installations of renewable power sources as well as energy, water, and resource-efficiency upgrades that allow for organizations to play an active role in minimizing their carbon footprint. "We need financing to grow our business, but what bank would bet on a local biodiesel company? Self- Help Credit Union is that bank." - Blue Ridge Biofuels We build efficient homes. Building Efficient Homes We have built 98 affordable, certified energy-efficient homes that guarantee heating and cooling will cost less than $40 a month. By creating affordable housing options with low, stable energy costs, we strengthen economic resilience within the communities we serve while minimizing the environmental impact of these new properties throughout their lifespan. “The energy efficiency ratings of these homes, achieving the highest possible standards, provide the lowest monthly heating and cooling bills ... so low, in fact, that it is more economic to be a new homeowner here than to rent elsewhere.” - The Helen Adams Blog, “Agents for Change in Grier Heights” We invest in home energy. Investing in Home Energy We have invested $41.6 million in portfolios of home energy loans, financing energy-efficiency upgrades for 4,161 households. Half these loans are originated by our partner nonprofit lender, Craft3. This partnership helps low- and moderate-income homeowners reduce energy costs and strengthen the value of their homes, all while reducing greenhouse gases. “For more than ten years, our Home Energy Loan has helped homeowners across Oregon and Washington reduce energy use. We’re proud to expand access to credit by utilizing On-Bill Repayment, whereby a homeowner makes loan payments on their utility bill. This feature reduces risk and eliminates the up-front, out-of-pocket costs that often make upgrades unaffordable. Self-Help was a critical collaborator in this effort; their investment increased our liquidity, in turn allowing more families to access energy upgrades." - Adam Zimmerman, Craft3 President & CEO We invest in sustainable food systems. Investing in Sustainable Food Systems Community Foods Market is a full-service grocery store, health resource center and community hub that engages residents to lead healthier and more socially-connected lives. Self-Help’s $1,985,000 loan helped fund construction of the 14,000 square-foot grocery store to support the vibrant community of West Oakland. “My vision is that Community Foods will be a platform for social innovation and the start of a sustainable food ecosystem. It was important for me to work with trustworthy lenders aligned with that mission … Self-Help is passionate about the impact this project will have on the community." - Brahm Ahmadi, co-founder and CEO of Community Foods We help our borrowers save energy and water. Helping Our Borrowers Practice Sustainability At Self-Help, we make loans to encourage economic development in the communities we serve. Whether it's through energy efficiency upgrades or installing rooftop solar, we make it a priority to find ways to help our borrowers reduce their energy burden. “Pueblo Community Health Center designed the East Side Clinic to produce more energy than it consumes; it’s the first health care facility to achieve this in Colorado. The result will be a healthier environment and contributing to the economic vitality of the community. We are proud to be one of Pueblo’s organizations that is moving the community towards its goal of 100% renewable energy by 2035." -- Donald Moor, CEO We reduce our impact. Reducing Our Impact At Self-Help, we have learned a lot from our environmental lending and make an effort to "walk the walk" of environmental stewardship within our organization. We work hard to minimize the environmental footprint of our facilities and commercial properties by investing in efficiency upgrades, optimizing utility consumption and educating our tenants on sustainable practices. Read this article. "Sustainability at Self-Help is, at heart, a team sport, driven by passion and commitment. We have developed a culture that constantly says yes to new ideas and new ways to pull together smart capital and measure success." - Melissa Malkin-Weber, Sustainability Director How You Can Support Our green work is made possible by all of our members who trust us with their deposits and investments. Join us in working for a better, greener world, and learn about how you can invest with us. Our Green Term Certificate offers a competitive return & helps reduce greenhouse gas emissions through investments in sustainable businesses. Join us in working for a better, greener world, and learn about how you can invest with us. Contact Keisha Bolden firstname.lastname@example.org. Resources Everyday habits let us align our actions with our values. Here are some simple actions that many Self-Helpers have adopted: Save energy for your small business Be efficient in your home or apartment Maintain healthy air quality in your living space Talk to your family, friends and even your elected officials about the need to “bend the curve” and reduce greenhouse gas pollution to zero.