UBCA Legacy Project
Building Community-Owned Institutions for Generational Impact
A community-led initiative creating access to ethical banking, housing, childcare, and cultural infrastructure in Massachusetts.
What We Are Building
Community Credit Union
(Able Credit Union – in formation)
Event & Cultural Center
Residential Apartments
(with member housing access)
Daycare Center
Funeral Home & Burial Services
(future phase)
Executive Suites for visiting dignitaries
Who We Serve
01
Immigrant and minority communities
UBCA Legacy exists to strengthen communities by expanding access to ethical financial services, shared spaces, and long-term opportunities for stability and growth. We serve individuals and families who are building their lives, contributing to their communities, and seeking systems that work with them—not against them.
02
Families and working professionals
We serve families and working professionals who are balancing careers, education, caregiving, and long-term financial goals. Many hardworking individuals earn steady income but face rising housing costs, limited access to capital, and financial systems that do not reflect their values. UBCA Legacy is designed to support community-driven solutions that prioritize stability, dignity, and long-term planning. Our initiatives aim to create spaces and financial pathways that help families thrive—today and for generations to come.
03
Single Parents
Single parents often carry the full weight of providing financially, emotionally, and logistically for their families. We recognize the challenges of high childcare costs, limited housing options, and the difficulty of building financial security while managing daily responsibilities. UBCA Legacy seeks to support community-based solutions that reduce barriers and create access to shared resources, supportive services, and ethical financial tools. Our vision centers on creating opportunity, not dependency—empowering single parents to build stability and independence.
04
Community Members Seeking Ethical Financial Access
We serve community members who are looking for financial systems rooted in fairness, transparency, and collective benefit. Many individuals—especially immigrants, minorities, and first-generation professionals—face challenges such as limited credit history, lack of traditional banking relationships, or misalignment with profit-only financial institutions. UBCA Legacy is committed to supporting ethical financial access and community-owned initiatives that promote responsible growth, shared ownership, and long-term community impact.
What We Are Building
UBCA is a registered 501(c)(3)
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Able Credit Union has submitted NCUA Phase 1
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Investment offering conducted via Reg CF on Wefunder
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UBCA Legacy Project Billerica, Massachusetts
Wetlands & Environmental Survey
Fundraising to finance a survey that maps wetlands and establishes buildable zones.
Estimated: $40,000 - $60,000
Land Acquisition
Raise $2.5 million to purchase 24 High St, Billerica, MA
Funding Target: $2,500,000
Engineering, Design & Pre-Construction
Complete full site planning, engineering, architecture, and cost estimates.
Estimated Cost: $300,000 - $500,000
Event & Cultural Center Construction
Construct flagship community event space with museum in entryway.
Estimated Building Size: 22,000 - 24,000 SF
Estimated Budget: $6,500,000 - $8,500,000
Operational Readiness & Activation
Prepare center for public use, launch community programming
Our Mission
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