Common Wealth Athens partners with First American Bank and Trust to provide Opportunity Loans of up to $750 with a six-month term and 3.5% interest available through a donor-provided loan fund. Proceeds from this loan can be used for financial emergencies, to pay off predatory loans, or to address priority items (e.g. evictions) that substantially affect clients' credit scores. The successful repayment of this loan can not only address the emergency need, but also materially increase a client's credit score. CWA loans report to of all three major credit bureaus.