Opportunities Credit Union provides an array of services aside from standard financial services, including:
- Savings: Provides savings accounts, money market accounts, share certificates of deposit, IRAs, and special social investment accounts for investors. This includes no minimum balance fees and the ability to earn interest on savings accounts.
- Lending: OPPSCU's strength is in the variety of loans that are offered. OPPSCU makes affordable mortgage loans, manufactured housing loans, home improvement loans, closer loans, small and microbusiness loans, auto loans, personal loans, education and training loans , assistive technology loans, computer loans, furniture loans, and tracker loans. Loans range from $50 to $250,000. All lending is counseling-based and members also receive information, education, and advocacy services.
- Affordable Mortgage Loans: This loan area is one of the best-established in the organization. OPPSCU offers various programs that offer affordable interest rates, consultation for individuals with local nonprofits, reduced down payment options and improved approval guidelines for those with less-than-perfect credit.
- Tracker Loans: This is another notable loan offered by OPPSCU. Through counseling-based lending, the client is able to create an improved credit track record while still building their savings.