- Alternatives helps its clients achieve financial independence by providing a full range of
banking services, community programs, and loan products:
- Business CENTS(Community
Enterprise Networking and Training Services)provides entrepreneurial education, business
counseling, business support services, advocacy, and access to credit for aspiring
- Individual Development Accounts (IDA) are matched, restricted savings
accounts through which low-income people can save for future asset purchases, focusing on home
purchase, business development, and higher education.
- Student Credit Union Project
is a program run by youth at eight school-based branches, offering savings and checking accounts
and loans for youth.
- Community Partnership Lending, Alternatives partners with
nonprofit organizations to give credit where it is most needed, but least often
- Consumer (personal) Loans offer the first access to credit for many of
Alternatives' lower-income members.
- Small Business Loans include lines of credit,
microloans, secured loans, and Small Business Administration loans.
- Home Loans
target first-time and low-income homebuyers, and those whose properties do not meet traditional
- Volunteer Income Tax Assistance (VITA) offers free income tax
preparation and filing, and non-predatory refund anticipation loans.
Counseling provides information, guidance, and encouragement to members seeking to change their