FDIC-Insured - Backed by the full faith and credit of the U.S. Government 
Community Reinvestment Act (CRA)
At Arbor Bank, we’re committed to helping our communities grow and thrive. The Community Reinvestment Act (CRA) is a federal law enacted in 1977 to encourage banks to meet the credit and financial needs of all the communities they serve — including low- and moderate-income neighborhoods.
The CRA was created to address disparities in access to credit and to ensure that financial institutions invest responsibly and fairly in the areas where they operate. Over the years, the law has been strengthened to reflect changes in banking, technology, and community needs.
Today, the CRA remains a cornerstone for supporting affordable housing, small business development, financial education, and other initiatives that uplift local neighborhoods. Through responsible lending, community partnerships, and meaningful investment, Arbor Bank continues to honor the spirit of the CRA by supporting opportunities that help individuals, families, and businesses succeed.
