First Nations Community Financial is a state chartered not-for-profit Native Community Development Financial Institution (CDFI)


We’re looking to expand our team!

Our Mission is to deliver exemplary services by providing financial education, training, and access to capital to support sustainable business and community development while improving the quality of life within our communities.

Are you working towards home ownership? We now offer one-on-one and classroom teaching to prepare for home ownership. Our new mortgage loan is our FAMILY ROOTS HOME LOAN. Call today to get started!

Are you an Indigenous Entrepreneur or Business Owner? Take the Economic Impact Study for Wisconsin Tribes survey to share your business’s contribution to Wisconsin’s economy. Participating in this survey will give you access to the final report and get you entered into a prize drawing!

Welcome to FNCF

First Nations Community Financial is a state chartered not-for-profit Native Community Development Financial Institution (CDFI)

We are so much more than just a loan! First Nations Community Financial provides opportunities for members of the Native Community. It also makes available financial education and coaching, credit counseling, technical support and other programs and services exclusively for Community members. First Nations Community Financial currently partners with the Ho-chunk Nation and Ho-Chunk Housing and Community Development Agency to provide a wide range of financial products and services for the Communities and its members. Nationally, more than 70 Native Community Development Financial Institutions (CDFIs) exist in Indian Country. However, First Nations Community Financial is unique because it is the only Native CDFI that puts all its financial services to serve more communities than any other.

Wooruwi Business Program

The Wooruwi Business Program is available to all Native American Entrepreneurs in the State of Wisconsin.  Whether you are a start-up, developing your business, or expanding your business, we have something for everyone.  Ask about how you may be eligible for up to 50% forgiveness on your business loan when you complete the program.

Homeownership Program

The Homeownership mortgage products are available to Ho-Chunk Nation tribal members only, however our educational courses are for everyone and our HUD certified courses will help you meet your Housing Education requirements.  

*Due to the success of this program we have exhausted our funding and can no longer offer this loan product at this time. We do still offer HUD certified courses. 

Consumer Loan Programs

Our personal loan products are very diverse and we have everything including personal loans, emergency loans, auto loans, fresh start loans, and holiday loan products.  If you are not sure which product fits your needs – please feel free to click the “Learn More” button below to find out which loan product best suits your needs.  We look forward to working with you and helping to meet your financial needs.

*Temporary suspension of auto loans*

Indianpreneurship Classes

This is a small business planning course to assist participants in developing a business plan.  Topics include marketing, location, types of ownership, finances, and business identity.  Completion of this class is required to take out a small business loan with FNCF.

HUD-approved Services

HUD (U.S. Department of Housing and Urban Development) approved counselors are professionals who have been certified by HUD to provide housing counseling services. These counselors are trained to assist individuals and families with various housing-related issues, such as buying a home, renting, avoiding foreclosure, and managing finances related to housing.  If you feel you could benefit from meeting with one of our counselors, please click below to learn more about the services we offer.

Financial Coaching Services

Understanding your personal finances is an empowering experience.  Attending a session with one of our financial coaches is giving yourself the gift of financial freedom and control. Imagine gaining insights into budgeting, saving strategies, and credit building options tailored to your unique goals. A financial coach can provide guidance, demystify complex concepts, and offer practical tips to help you navigate the intricacies of money management. Empower yourself with knowledge, and pave the way for a more secure and prosperous financial future!

Loan Inquiry

Please watch these videos to help you through the application process.

To inquire about one of these loan products please click on LOAN INQUIRY. This will take you to a secured portal to insert your information. Do not use your work email, please use your personal email. If you have any questions please contact us at 715-284-2470 or [email protected] .


"The application process was fast and easy! They were easy to access services. This loan will help me improve my credit score and reach my next financial goals."

~ Allana Herth ~

"I would like to thank First Nations Community Financial for providing me with such friendly helpful staff. They are always willing to help me any way possible in my time of need. Whether it’s just every day financial needs, vehicle payments or repairs, they’re always able to provide me with a loan. First Nations reasonable interest rates makes it easier to repay the loans. I honestly don’t know what I’d do without the help of First Nations Community financial as they have helped me through many tough financial situations. I defiantly will return and let my family and friends know of them."

~ Margaret Miner ~

"The application process was quick and easy. I decided to choose FNCF because I heard they’re very understanding. The money I receive will be used towards bills and childcare expenses. This will help me move forward with the rest of my personal goals."

~ Leah Pederson ~

"First Nation Community Financial helped my family out when no other bank was able to. They gave me the tools to better my future financial decisions. All the staff are wonderful, they treat every customer like family. Dina Hansen was amazing to work with, I would highly recommend FNCF in Black River Falls to anyone looking for financial assistance."

~ Kathy Thompson ~

"The application process was easy. I went through FNCF because the interest rate and monthly payment was affordable. Being approved for this loan helped me tremendously with getting a reliable car. The staff was also very helpful!"

~ Dawson McAndrew ~

"The process was quick and easy. I chose to get a loan with First Nations Community Financial because it can come out of my per-cap and I won’t have to do monthly payments. Getting this loan for my car helps me get to work and get better gas mileage."

~ Cody Winneshiek  ~

"First Nations was very quick and professional, along with excellence service. I highly recommend working with them for anyone in the tribe."

~ Sampson Funmaker  ~

"Well….* Deep breath* I am amazed at how easy the process was with getting help with a car loan. I was scared at first to inquire about a loan, being denied. But a good friend told me of his experience and I called to terrorize Victoria (loan officer) that day."

~ Sampson Funmaker  ~

"Fast and easy application process incredibly friendly staff. This loan will definitely be helpful for the holiday for my children."

~ Margarita Hernandez  ~

First Nations Community Financial is a state chartered not-for-profit Native Community Development Financial Institution (CDFI)

206 S Roosevelt Rd, Suite 123 Black River Falls, WI 54615

Upcoming Events
  • Pathways - June 21, 2024
  • Indianprenuership -            June 28, 2024
  • Housing Resiliency -             July 12, 2024 
  • Golf Outing - July 19, 2024
  • Indianprenuership -             July 26, 2024
  • Indianprenuership -            Aug. 12, 2024
  • Pathways - August 16, 2024
Office Hours (8-4:30 M-F)

Closed on the Following Holidays

  • New Year's Day (Jan 1st)
  • Memorial Day (Last Monday in May)
  • Mitchell Red Cloud Jr. Day (July 4th)
  • Labor Day (First Monday in Sept.)
  • Veterans Day ( November 11th)
  • Thanksgiving (4th Thursday in Nov.)
  • Ho-Chunk Day (Day after Thanksgiving)
  • Christmas Eve (December 24th)
  • Christmas (December 25th)
  • New Year's Eve (December 31st)
Connect with us

*This institution is an equal opportunity provider.  In accordance with federal law and U.S. Department of the Treasury policy, this institution is prohibited from discriminating on the basis of race, color, national origin, sex, age, or disability. To file a complaint of discrimination, write to Department of the Treasury, Office of Civil Rights and Diversity, 1500 Pennsylvania Ave. NW, Washington, D.C. 20220 or call (202) 622-1160.