Finally, there is community investing. Community investing directly addresses the financial needs of low income and underserved communities. Community development financial institutions (CDFI’s), such as community development banks, loan funds, and credit unions, serve the underserved locally, on the ground. Investing in CDFI’s through products such as bonds, checking and savings accounts, CDs, and money market accounts, helps to alleviate some of the most vexing problems facing humankind today: urban decay, rural poverty, economic disenfranchisement, declining public health and hopelessness, both here and abroad in more than a hundred developing countries. See Community Investing Center.