MEMBER PROFILE

Holly Adams Business IDA

Holly Adams, a member since 1994, heard about Individual Development Accounts, but it wasn't until federal art cutbacks affected her work that she started asking questions and opened an IDA. She believes the time she put into the IDA classes, and her commitment to saving, has changed her work-life. "The IDA program is really amazing. It helped me clarify and focus where my energy and resources needed to go, and once I figured that out --- it gave me the money I needed to move forward."

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Our Work:
Building Rock Solid Futures

At a community meeting Alternatives was charged with being Ithaca’s best kept secret…accused of not letting the community know that we have unique products and services for EVERYONE.
So now, we're letting everyone know!
You might ask yourself, why choose Alternatives?
First...because we have services you won't find anywhere else!

• Would you like a 3 to 1 matched savings account to realize your dream of owning a home? Read about our First Home Club Individual Development Account.
• If you've ever thought of starting your own business, sign up for our Getting Down to Business Class, part of our Business CENTS program.
• Learn how to manage your money by taking part in our Money Wise Financial Education Course.

And that's only the beginning of your relationship with Alternatives. When you borrow from us, you help us build financial stability and economic opportunity right here where we all live. Our rates are competitive, but if you find a better rate on a consumer loan product, won't you let us know? We have some leeway, and we will try to match competitors' rates by reducing ours, up to .75%.

• Our loan officers are ready to give you the best possible rate you can have on your Auto Loan or Personal Loan.
• Maybe your home needs an addition, or major remodeling. Consider our Future Value Home Equity Line of Credit, or another of our Home Equity or Mortgage products. Our 100% Mortgage enables you to purchase your home with minimal cash on hand.

The interest you pay on your loan from Alternatives helps support the good work we do in the community. It enables us to help your next door neighbor get a Future Value Home Equity Loan, or your friend who's working hard to make life better get an auto loan without a predatory rate. Your money enables us to offer programs like our Free Tax Preparation. It enables us to offer Credit Builder Loans. Your money works hard right where you live…in our community. Your money helps us change financial lives. So next time you need to borrow, how about choosing Alternatives?