IDA Program

See Our One Pager and Statistics Here

IDA Application:
Download Part 1 of the IDA Application Here
Download Part 2 of the IDA Application Here
Fill out Part 1 of the IDA Application Online Here

IDA Guidelines for Each Asset:
Allowable Purchases for Each Asset

Client Withdrawal Forms:
Download the IDA Matched Withdrawal Form Here
Download the Emergency Withdrawal Request Form Here

Asset Specific Education:
Download Asset Specific Education Here

The goal of WSCAT’s Individual Development Account (IDA) Program is to assist lower income people on the Warm Springs Reservation in moving towards greater self-sufficiency by:

  • Accumulating savings;
  • Purchasing long-term assets; and
  • Managing their finances wisely.

IDAs, or individual development accounts, are matched savings accounts that enable people to accumulate savings and purchase assets. Program participants are responsible for depositing money into savings accounts, for which they receive matched savings contributions. For each dollar participants deposit in their IDA, they receive $5 in matching funds to be used towards the purchase of an asset.


To participate in WSCAT’s IDA program, a person must:

  • Be at least 12 years of age.
  • Reside, work, or have an address on the Warm Springs Indian Reservation.
  • Be able to attend and complete WSCAT’s financial education courses.
  • Be able to complete WSCAT’s asset specific education course, for their asset.

Participants must meet annual Income Guidelines as published by the Oregon IDA Initiative and have a household net worth of  less than $20,000. Please contact the WSCAT office, at 541-553-3148 to discuss your eligibility for the program.

How the IDA program works

Our IDA program enables you to save your own money in a bank account and have that money matched with dollars from state, federal, and private funders. With the money you save and the matching dollars, you must purchase an asset. Qualifying assets include home purchase or repair, business startup or expansion, education (either college or vocational), home renovation, assistive technology, or motor vehicles. Because WSCAT works with a wide range of generous donors, we are able to provide Warm Springs community members with matching funds at a 5:1 rate. This means that if you save $1,000, you will receive $5,000 in matching funds toward the purchase of an asset! Depending on the type of asset you are saving for, there is a minimum savings period of 6 to 13 months.

In the coming years, the IDA program may allow community members to save for new types of asset purchases, including retirement savings accounts and credit building.

Educational requirement

IDA clients must do more than be accepted into the program and save their own money to receive the IDA matching funds. All clients must complete financial empowerment training and asset-specific education to help them make the most of their savings. The financial empowerment training course taught by WSCAT is called Building Native Communities: Financial Skills for Families course, and it is described in the Personal Finance section of our website. If clients are unable to attend the class, they can also complete MoneySmart. Asset-specific educational offerings are also highlighted in the Indianpreneurship and Homeownership sections.

From 2009, when the program began, until December 31, 2020, 388 Warm Springs community members opened IDA accounts, and 199 made asset purchases using their IDA savings. Forty four program participants bought assets for their small businesses, 35 paid for college or vocational education, 78 purchased vehicles, 22 made downpayments on a house, 21 renovated their homes, 1 purchased assistive technology, and 1 used part of their IDA to pay off debt. In total clients have saved $233,777 in their own money, which has been matched with $1,075,428 through the IDA program. In the coming years, we hope that hundreds more Warm Springs community members will take advantage of the IDA program. Please don’t let this opportunity slip by you; join others on the path to financial success!

If you are scheduled for an IDA intake please bring in the following that apply to you:

  • Photo ID/Proof of Oregon residency
  • 2 months of paystubs
  • If you receive per capita, food stamps, housing assistance, unemployment, pension or a similar payment, please contact the issuing agency for a statement or award letter
  • If needed, we may also require your most recent tax return and verification of any assets and liabilities

More IDA Program Statistics Available Here