Founding Phase · Est. 2026

A credit union built for two homes, one community.

The Belize American Credit Union is building a digital, member-owned financial home that connects the Belizean diaspora in the United States with families and businesses back home — rooted in trust, stewardship, and shared prosperity.

Regulator-track
State & federal review
Member-owned
Not-for-profit by design
Bi-national mission
Belize ↔ United States

BACU is currently pursuing state and federal regulatory approval. All services are planned and will be offered subject to charter approval, insurance, and applicable regulatory requirements.

Florida Entity Registered Since 2021Pursuing OFR Charter ApprovalPursuing NCUA InsuranceStrategic Relationship with Holy Redeemer Credit UnionDesigned for Belizean Diaspora Communities

Status and services subject to regulatory approval.

The Vision

Built for a Community That Moves Across Borders

BACU is being designed as a digital-first financial institution serving Belizeans in the United States, Belize, and eventually broader LATAM and CARICOM communities. The vision is to create a trusted financial bridge that supports savings, access, opportunity, and long-term financial growth.

Diaspora Connection

Helping Belizeans abroad stay financially connected to home.

Financial Empowerment

Supporting savings, access, literacy, and long-term member ownership.

Digital-First Access

Modern financial infrastructure designed for convenience, security, and scale.

Why BACU

More Than Banking. A Platform for Belonging, Access, and Growth.

BACU is being built around a credit union model where financial access, community reinvestment, and member benefit work together to support families, students, entrepreneurs, and future homeowners.

01

Keep Wealth in the Community

A credit union model helps deposits support members and local economic opportunity.

02

Support Families and Students

Designed to help members pursue education, homeownership, and financial stability.

03

Empower Small Business Owners

Built to create access and support for Belizean and Caribbean entrepreneurs.

04

Advance Financial Literacy

A platform for education, confidence, and long-term financial wellness.

Planned Services Upon Approval

Designed for the Next Generation of Community Banking

Subject to regulatory approval, BACU is being designed to offer modern, member-centered financial services that support cross-border communities and everyday financial needs.

Planned

Digital Member Accounts

Secure online access for future members after approval.

Planned

E-Wallet & Loadable Card

A planned fintech layer for convenient digital transactions.

Planned

Micro-Loans

Future lending tools to support members, families, and entrepreneurs.

Planned

Member Deposits

Planned deposit services following regulatory approval and applicable insurance requirements.

Planned

Financial Literacy Programs

Education to help members build confidence, manage debt, and plan for the future.

Planned

Cross-Border Connection

A financial bridge between Belizeans in the U.S. and Belize.

Planned services are subject to regulatory approval, chartering, insurance, and final operational readiness.

Roadmap

Our Path to Launch

2021
Incorporation
Florida grants permission to incorporate and register Belize American Credit Union Inc.
2026
Strategic Preparation
Engage banking counsel, update business and strategic plan, and prepare the regulatory application.
Mid 2026
Regulatory Submission
Submit application to the Florida Office of Financial Regulation and pursue NCUA insurance.
Late 2026
Regulator Engagement
Respond to regulator questions and continue infrastructure preparation.
Early 2027
Target Conditional Charter
Target conditional charter approval, subject to regulatory review.
Post-Approval
Member Onboarding
Complete pre-opening requirements including technology, staffing, compliance, and onboarding.

Timeline is forward-looking and subject to regulatory review and applicable approvals.

Partnerships & Proof

Rooted in Community. Built Through Strategic Relationships.

Strategic Relationship

Holy Redeemer Credit Union

80+
Years
~70K
Members
~$350M
USD-eq. AUM

BACU has secured a strategic relationship with Holy Redeemer Credit Union, Belize’s oldest and largest credit union.

Letter of Support

City of Miramar Letter of Support

The City of Miramar has previously provided a letter of support for BACU’s request for regulatory approval, noting the potential community and economic benefits of the initiative.

Local Economic GrowthFirst MortgagesStudent SupportSmall BusinessFinancial Literacy
Get Involved

Stay Connected to the BACU Launch Journey

Receive updates on charter milestones, planned services, community events, investor briefings, and future member opportunities.

  • Launch updates
  • Community announcements
  • Investor and partner briefings
  • Future member information

By submitting this form, you agree to be contacted by BACU regarding updates, launch information, and partnership opportunities.