The Unity Campaign and the Credit Café: A Perfect Pairing

Lacy Ames • March 6, 2024

Learn More About IHA's Participation In This Year's Unity Campaign!

IHA is proudly participating in the Unity Campaign for Frederick County, running from March 6th to 20th, 2024.


But what exactly is the Unity Campaign?


The Unity Campaign stands as a joint effort, bringing together nonprofit partners, sponsors, and the broader Frederick community in a collaborative donation campaign. This annual event, held every March, operates entirely online, ensuring easy accessibility for all. Moreover, every individual donation made during this campaign goes directly to the nonprofit of your choice. (And we're certainly hoping you'll choose Interfaith Housing Alliance, or "IHA.")


So, why should you consider contributing to the Unity Campaign?


All the participating nonprofits within the campaign provide vital support to ALICE (Asset Limited, Income Constrained, Employed) households. These are families earning incomes above the Federal Poverty Level but still grappling with affording essential household needs such as housing, transportation, childcare, food, and healthcare. Shockingly, the most recent ALICE report discovered that 36% of households in Frederick County, MD fall into this category. This statistic underscores the urgency of our collective support. It's entirely conceivable that someone you know—perhaps a friend, neighbor, or colleague—is part of an ALICE household and could greatly benefit from your generosity.


Curious to delve deeper into ALICE? Follow this link to learn more: https://www.unitedwayfrederick.org/challenge-ALICE


How to Donate?  

There are two ways to donate:  

Visit this website: https://fundraise.givesmart.com/vf/Unity2024/team/InterfaithHousing

Text Unity202418 to 71777 

Can’t donate? No problem, please help spread the word about IHA’s Unity Campaign participation! 


 


How will IHA utilize Unity Campaign Contributions?

Through the Unity Campaign, donations will directly support IHA's Credit Café Workshop. This workshop operates on a principle of inclusivity, offering its services entirely free of charge to all participants seeking assistance in enhancing their credit scores. With just $67, we can cover the expenses of providing two credit reports per attendee.


How does the Credit Café Workshop by IHA benefit ALICE households?

In today's world, an individual's credit standing influences various aspects of life, whether it's renting an apartment, applying for loans, seeking employment, or managing utility services. The Credit Café Workshop equips participants with invaluable knowledge to effect lasting, positive changes in their credit and financial decision-making. These changes empower participants to attain greater financial stability for themselves and their families, enabling them to access better housing, secure loans at lower interest rates, and pursue improved job opportunities. Most importantly, the transformative impact of the Credit Café Workshop mitigates the necessity for ALICE households to constantly confront difficult financial choices concerning their day-to-day expenses.


During the last fiscal year, July 1, 2022 – June 30, 2023, IHA served 145 individuals whose average yearly household income was approximately $33,795. To date in this fiscal year, July 2023 – June 2024, IHA has already served 79 individuals whose average yearly household income is approximately $36,652.   

 


How does the Credit Café Workshop operate?


The Credit Café Workshop offers a comprehensive approach, blending education with strategic credit goal setting to aid participants in improving, maintaining, or enhancing their credit scores while reducing overall debt burdens. The workshop unfolds in two key phases:


Educational Workshop: This initial phase consists of a one-hour group session offered multiple times each month throughout the year. Participants delve into a wide range of topics covering the fundamentals of credit mechanisms and best practices for its upkeep.


Personalized Credit Report Review: Following the group workshop, participants engage in a tailored 30-minute one-on-one session with an advisor, conducted virtually within one week of the group workshop. During this session, the advisor assists participants in understanding their credit reports and devising credit-related goals aligned with their future financial aspirations. Each participant receives a complimentary personal copy of their tri-merged credit report, freshly pulled on the day of the event to ensure the most current information for this individualized meeting.


Continued Support: The Credit Café Workshop provides ongoing assistance to participants beyond their initial workshop attendance. Advisors remain accessible to participants as needed, following up via email, phone calls, or text messages based on the participant's preference at 3 and 6-month intervals. These check-ins aim to ensure participants have the necessary resources to sustain their credit journey and to monitor progress. Participants are then invited back for a follow-up advising session and an updated copy of their credit report.


Moreover, the Credit Café Workshop is currently offered entirely in a virtual format, with some hybrid options emerging. Additionally, IHA offers interpretation services at no cost to participants, with interpreters available on-demand in over 240 languages.


Interested in the Credit Café Workshop? Contact Lacy Allen at lames@interfaithhousing.org or text 301-818-5606 to get started today! 

Volunteer Spotlight

By Vickie Mills • March 4, 2026
Veridian Capital Partners Brightens Weinberg House with Hands-On Volunteer Work On Friday February 20, 2026, the team from Veridian Capital Partners, led by founding partners Brian Runkles, CFP, Chandru Ramachandran, CFP, and Brian Williamson, CFP, brought a splash of color—and a lot of heart—to Weinberg House. The group dedicated their time and resources to repaint the hallway rails and residents’ doors, transforming the spaces leading into each apartment. Built in 1995, Weinberg House has long been a warm and supportive home for its residents. The recent makeover not only lifted the spirits of the IHA staff and residents, but also gave the building a refreshed, welcoming appearance that reflects the care and community within its walls. “It’s incredible to see the space come alive with new color, and the joy it brings to our residents is priceless,” said a member of the Weinberg House staff. Thanks to the generosity and hands-on effort of Veridian Capital Partners, Weinberg House is now brighter, more inviting, and a testament to the power of community collaboration.

Unity Campaign 2026

By Lacy Ames • March 4, 2026
Stronger Credit. Stronger Families. Stronger Frederick. The 2026 Unity Campaign & IHA’s Credit Café Interfaith Housing Alliance (IHA) is proud to participate in the 2026 Unity Campaign for Frederick County. What is the Unity Campaign? The Unity Campaign is Frederick County’s annual, fully online giving event that brings together local nonprofits, sponsors, and community members for one powerful purpose: strengthening our community together. Every dollar you donate goes directly to the nonprofit of your choice — and we hope you’ll choose Interfaith Housing Alliance. Why Your Support Matters All nonprofits participating in the Unity Campaign serve ALICE households. ALICE (Asset Limited, Income Constrained, Employed) families earn above the Federal Poverty Level, yet still struggle to afford basic necessities like housing, childcare, transportation, food, and healthcare. In Frederick County, 36% of households fall into the ALICE category. That means more than one in three families in our community are working hard — but still living on the financial edge. It could be your neighbor. Your coworker. Your child’s coach. Your family member. Your donation helps create stability where it’s needed most. Where Your Donation Goes: The Credit Café Workshop Unity Campaign donations directly support IHA’s Credit Café Workshop — a completely free program designed to help individuals build stronger credit and greater financial confidence. Just $94.10 covers the cost of two credit reports for one participant. That one step can open the door to: Safer housing Lower interest rates Reliable transportation Better employment opportunities Credit impacts nearly every major financial decision — from renting an apartment to turning on utilities. When someone improves their credit, they improve their future. How the Credit Café Works The program combines education, personalized strategy, and continued support. Step 1: Group Education Participants attend a one-hour virtual workshop offered multiple times each month. They learn: How credit scores work What impacts their score How to build or repair credit Smart financial habits for long-term stability Step 2: One-on-One Advising Within one week, participants meet virtually with an advisor for a personalized 30-minute session. They receive: A free tri-merged credit report (pulled the day of the session) Help understanding their report A customized action plan with realistic credit goals Step 3: Continued Support Participants don’t navigate the process alone. Advisors follow up at 3 and 6 months (by text, email, or phone — participant’s choice) to check progress and provide guidance. They’re also invited back for: A second advising session An updated credit report The program is currently 100% virtual, with expanding hybrid options. Interpretation services are available at no cost in more than 240 languages. How to Donate There are two easy ways to support IHA through the 2026 Unity Campaign: Visit the campaign donation page and select Interfaith Housing Alliance: https://fundraise.givesmart.com/vf/UnityFC26/team/InterfaithHousing 2. Text the campaign code to donate directly: UnityFC2661 to 71777  Every gift makes a measurable impact. Not Able to Donate? You can still make a difference. Share this campaign. Talk about it. Spread the word. Community awareness fuels community change. Interested in the Credit Café Workshop? Contact Lacy Allen Email: lames@interfaithhousing.org Text: 301-818-5606 Together, we can build stronger credit, stronger families, and a stronger Frederick.

Spring Grant Updates 2026

By Rachel Gardner • March 4, 2026
Interfaith Housing Alliance (IHA) is proud to announce 12 funding awards totaling more than $333k during the last two quarters from our community partners. In September 2025, IHA was awarded two grants that will support the organization’s Financial Dignity and Empowerment Services. IHA received a $30,000 grant from the Maryland Department of Housing and Community Development’s (DHCD) Maryland Housing Counseling Fund (MHCF). IHA also received a $10,000 grant from Truist Financial Corporation. These grants will support the full spectrum of community programming we offer, including: group educational workshops on financial health; individualized financial coaching and housing counseling; and pathways to homeownership. In October 2025, IHA received a $125,000 grant from Morgan Stanley. This grant supports IHA in its ongoing quest to create and provide affordable housing opportunities for LMI community members. It also allows IHA to continue supporting community members through our Financial Dignity and Empowerment Services.. IHA was also awarded a grant by the Ausherman Family Foundation. This 2:1 matching grant will match up to $30,000 in donations raised from community members and IHA’s Board of Directors during the organization's 2025-2026 annual appeal. Funds will support the full range of IHA’s services and programming. In November 2025 and January 2026, IHA was awarded a total allocation of $45,000 in State tax credits through the Community Investment Tax Credit (CITC) Program of Maryland’s DHCD. Donors who make contributions of $500 or more to IHA in support of our mission are eligible to earn tax credits equal to 50% of the value of the money, goods, or real property contribution. These tax credits are in addition to the deductions on both Federal and State taxes as a result of the charitable contribution. In November 2025, IHA was awarded a $20,000 grant from Delaplaine Foundation, Inc. This grant supports three of IHA’s programs: Credit Café; Financial Freedom Bootcamp; and the Frederick Affordable Homeownership Incubator (FAHI). Credit Café participants work specifically on improving their credit. Financial Freedom Bootcamp builds critical foundational skills for financial success. FAHI is a new program in the planning phase that takes a multisectoral approach to affordable housing. IHA also received two funding awards in support of its Credit Café program. IHA’s $10,000 application to participate in United Way of Frederick County’s Annual Unity Campaign was approved. This approval enables IHA to participate in the Spring 2026 Unity Campaign alongside other local nonprofit organizations to collectively raise funds in the Frederick County community. IHA also received a $1,500 Community Grant from the Rotary Club of Carroll Creek (RCCC). Credit Café promotes financial stability among LMI households through group credit education and free, individualized credit advising. Participants partner with a financial coach to create a strategic plan to either build, boost, or improve their report. In addition, IHA received a $1,518.91 designated grant from The PNC Homeownership Fund of The Community Foundation of Frederick County. These pass-through funds will directly support low- to moderate-income (LMI) households in achieving homeownership in Frederick County. In December 2025, IHA was awarded a $55,676 grant from the Maryland Affordable Housing Trust (MAHT). This grant supports the rehabilitation of IHA’s Weinberg House. This 23-unit affordable rental community in Frederick, MD was originally built in 1994 and houses senior members of our community ages 62 and older with very low to moderate income. The rehabilitation project includes upgrades to heating, appliances, plumbing, drywall, flooring, lighting, cabinets, and countertops. IHA also received a $5,000 donor-advised grant from The Nicholson Family Fund of Morgan Stanley. These unrestricted funds will support all of IHA’s endeavors in strengthening the communities we serve.
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