Community Programs

CRA Statement

Artisans’ Bank maintains a regulatory obligation to seek, understand, and actively help meet the credit and financial services needs of the communities the Bank serves, including both low and moderate income and geographic sectors. The Board of Directors, Officers, and Associates of Artisans’ Bank remain deeply committed to the spirit of the Community Reinvestment Act (CRA) and demonstrate this commitment by promoting a roster of innovative and flexible consumer loan and consumer deposit products; by providing leadership and outreach to many non-profit agencies that serve this segment of our community; and by investing in assets that help support the community’s credit and financial service needs. 

CRA Assessment Area

Artisans’ Bank serves all three counties within the State of Delaware: New Castle County, which is within Metropolitan Area (MA) 48864; Kent County, which is within Metropolitan Area (MA) 20100 and Sussex County, which is within Metropolitan Area (MA) 41540. This CRA delineation is based on the location of the Bank's full service branches and loan production offices.

Loan Products: 

Homeownership Program 

The Bank offers low and moderate income first time home buyers a slightly reduced interest rate and no bank application fee. The discount is offered to low and moderate income homebuyers as well as for properties in low and moderate income census tracts.  The Bank sells these loans servicing released to FHLMC.   The Bank participates in the FHLMC Home Possible programs, the FHLB Pittsburg First Front Door program and offers both FHA and VA mortgages, which are attractive to first time home buyers. Please contact our Residential Lending department for details of our first time home buyer initiatives. 

Credit Builders Loans

This consumer loan assists borrowers in establishing or improving their credit score or in accruing the savings necessary for a home purchase down payment or personal savings needs. Proceeds from a consumer loan of $500 to $5,000 are deposited into an Artisans’ Bank Credit Builder Savings account that secures the loan. Borrowers repay the loan over a twelve to thirty-six month period, from their monthly cash flow, while strengthening their credit ratings. Applications for Credit Builder loans must come from a participating local agency (see below) who provide the technical assistance needed to ensure success. 

Small Dollar Loans

Artisans' Bank has developed a low interest, no fee, micro-loan program for the working poor, as an alternative payday or title lending.  the Bank and participating agencies will approved small dollar loan requests from $300 to $2,000 to assist consumers through temporary hardships, while strengthening their credit ratings with a consumer reporting agencies.  This is not a direct to consumer product and clients must be referred to the bank by a participating local agency (see below) who will provide the technical assistance needed to ensure success.  


Deposit Products: 

The bank supports a variety of no or low cost savings products for low and moderate income consumers.  Applications for the Easy Access and Free Savers products may come from any consumer.  Applications for the other products must come from a participating local non-profit agency (see below) who will provide the technical assistance needed to ensure success.  

Easy Access Accounts

Artisans' Bank supports the national Bank-On initiative to provide safe, affordable, and  functional bank accounts.  Our Easy Access Account is a non-interesting bearing, low cost, checkless checking account with no overdraft or NSF fees.  The account offers a VISA check card and access to the Bank's free online banking, mobile banking and bill payment services.  The account has a low $ 3 monthly service charge which is waived each statement cycle with either an ACH Credit or Debit or a $300 average daily balance.  The account also offers up to 4 free money orders per month to facilitate bill payment.  Transactions which would normally incur an overdraft or NSF fee are returned or declined with no bank fee.  

Free and Group Savers Accounts

Free and Group Savers Accounts are designed as an entry-level statement savings account for consumers.  The Bank works with participating local agencies to open savings accounts for consumers who need a bank account.  Free and Group Savers accounts earn a premium rate of interest and have no minimum balance requirements or monthly services fees.  Group Savers accounts must be opened via a referral from a participating community service agency (see below) who will provide the technical assistance to ensure success. These agencies receive a monthly accounting report of the members' deposit activity.  


Individual Development Accounts

The Bank is able to support individual development “matched savings” account (IDA) programs offered by local participating agencies.  IDA participants save for home ownership, micro enterprise development, or continuing education and may receive a private or public sector savings match if they meet their personal savings goals. Individual Development Accounts must be opened via a referral from a participating community service agency. At this time, the Bank is not aware of any active IDA programs in the State of Delaware. 

Bank at School Accounts

The Bank supports the University of Delaware Bank at School program by offering School Saver accounts to students in several Delaware schools. We are proud to support the BAS programs by operating a weekly bank at Odyssey Intermediate, Star Hill Elementary,  Holy Angels Academy, Linden Hill Elementary and David Robinson  Elementary schools.   For more information on Bank at School, or to start a BAS program at your school, please contact the UD Center for Economic Education and Entrepreneurship at 302-831-2559.

Approved Community Agencies 

If you would like to join the Bank’s list of approved community agencies who offer these programs, we'd like to talk with you.  Please  contact our CRA Officer, Joel Schiller, at 302-884-6566, or

Corporate Giving: 


Artisans' Bank has a long tradition of supporting our community through corporate support and employee volunteerism. Our Marketing and Community Relations Group manages requests for contributions, sponsorships, and volunteer programs. The Bank funds these contributions though its annual operating budget and does not maintain a foundation or an endowment fund. To submit a grant or capital campaign request, please write to us at our corporate address and include the information you feel is important to be considered. We will do our best to consider your request in a timely manner.

Artisans' Associates support a number of volunteer programs with their time and talents and are encouraged to volunteer with non-profit agencies and organizations that support our community. Volunteer partnerships have included building homes for Habitat for Humanity, preparing meals for children and their families at Ronald McDonald House, teaching inner city children the importance of saving as part of the National Teach Children to Save Day, collecting food or household items for a variety of local non-profit agencies, and filling holiday stockings with school supplies and other gifts for The Salvation Army.  

For more information about Artisans' community involvements, including its overall responsibilities under the Community Reinvestment Act, please contact the Bank's CRA Officer, Joel Schiller, at 302-884-6566, or

Artisans' Bank 
2961 Centerville Road
Wilmington, DE 19808