May is Older Americans Month, and this year’s theme—“Flip the Script on Aging”—calls on communities to embrace an empowering and inclusive view of growing older. At Working In Neighborhoods (WIN), that vision includes helping senior homeowners stay safe, independent, and secure in their homes through two powerful banking partnerships.
WIN’s Senior IDA Savings Program with Union Savings Bank and Guardian Savings Bank has been serving legacy homeowners for nine years. It supports residents aged 60+ who commit to saving $500 over 6–9 months. “By making monthly deposits between $25 and $50, participants qualify for a 3-to-1 match, receiving an additional $1,500 to fund their home repairs,” explains Myra Boggs, WIN’s Financial Literacy Coordinator. “This program has been a godsend. Seniors just don’t have the extra means for critical repairs.” Program participants also receive free financial counseling.
WIN also partners with Stock Yards Bank & Trust to offer a Forgivable Home Improvement Loan of up to $6,000 for income-qualified seniors in targeted ZIP codes. No lien is placed on the home—removing a barrier for many hesitant homeowners.
“Over time, trust grew. Now there’s a waiting list,” Boggs said. “One participant used both programs to fix her crumbling driveway. She told me, ‘Now I can sit outside on my driveway and enjoy the weather.’”
Most requested repairs include roofing, flooring, railings, and accessibility upgrades. “These programs don’t just fix homes—they preserve legacies,” said Boggs. “It’s about pride, safety, and leaving something lasting for the next generation.”