How to Invest

A person making a heart with their hands, the sunlight shining through it.

There are many ways you can help support Opportunities Inc.  If you want to make a big impact on our local Vermont communities look no further. Whether you are thinking to invest for a short term, longer term or make an gift, we have a variety of ways that you can see your impact! 

Take a look at the grid below to see where you land. 

Investor / Member Type
Long Term
Medium Term
Short Term
No Term
Insured by NCUA IF
Investor / Member TypeDepositor (Market Rates)
Long TermSavings
Medium TermCD
Short TermChecking
No TermMoney Market
Insured by NCUA IFUnder $250,000
Investor / Member TypeDonor / Grant Maker (May Be Tax Deductable)
Long TermCreate a Named Loan Fund
Medium TermAdd to a Loan Fund
Short TermFund Money Sense
No TermMake a Charitable Gift
Insured by NCUA IFNot Insured
Investor / Member TypeSocial Investor (Returns 0% - 1%)
Long TermCreate a Named Loan Fund
Medium TermFixed Rate Deposit
Short TermPay it Forward CD
No TermDeposit Account
Insured by NCUA IFUnder $250,000
Investor / Member TypeSecondary Capital* (Returns 1% - 5%)
Long TermRenewable Contractual Investment
Medium TermFixed Rate Contractual Investment
Short TermFixed Rate 1-2 Years Investment
No TermFixed Rate Deposit
Insured by NCUA IFNot Insured

* Secondary Capital Investors must be entities, not individuals.

Looking to donate to a specific fund?

Opportunities Inc. has several loan funds supporting Vermonters. Take a look at our community-building efforts.

GARDNER GOLDMAN LOAN FUND

Provides affordable small business loans to Vermont entrepreneurs. Established to honor Oliver Gardner, former board chair and his business partner, Paul Goldman, this fund provides backing for undercapitalized businesses in Vermont.

INDEPENDENCE FUND

Provides affordable loans for assistive devices, technology and vehicles for disabled Vermonters.  

STEWART ELF FUND

Provides small emergency loans to Vermonters. Established with gifts given in honor of our founder, Caryl Stewart.

PAY IT FORWARD FUND

Provides a financial award to members who have improved lives of others. Established in honor of Shanna Ratner, former board chair.

CHERYL FATNASSI FUND

Established to honor Cheryl Fatnassi's work, the fund supports staff enrichment.

GILLIGAN KIDS FUND

Provides Vermont children with an initial savings account deposit. Established by a former member of our Supervisory Committee.