Founded in 1989, Opportunities Credit Union is Vermont’s only community development credit union. Uniquely committed to Vermonters of low wealth, Opportunities’ mission is to build wealth, community, and opportunity through a fair and affordable financial system. Our primary market is Vermont’s 90,000 low-income households. A majority of our members earn less than 80% of HUD Area Median Income. Seventy-two percent of our members have less than $25 in savings. We are dedicated to low-income Vermonters who have been refused financial services by mainstream institutions. Our mmbers are more likely to be solicited for and use predatory lending products, We offer them affordable alternatives. Our members are also the hardest hit by economic downturns and often the last to recover when the economy rebounds.