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Energy & Fuel Conservation Loans


Going green? We’ll finance virtually any energy-saving purchase or improvement you make to your home.


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Efficiency, financed.


From updating your appliances to use less energy, to insulating your home to keep the energy you're producing in. We want to help you make sustainable decisions. 


The Energy & Fuel Conservation Loan can be used for:

  • Home heating expenses such as oil bills (including pre-paid plans), propane/natural gas, wood/wood pellets, coal, etc.
  • Pre-paid gas cards, bus cards, and other public transportations passes.
  • ENERGY STAR rated appliances (including furnaces).
  • Energy-saving home improvements (insulation, weather-stripping, hot water heaters, windows, etc.).

Lower Your Rate Even More With Co-op Points

That's right. With 2,500 Co-op Points, you can reduce your Energy & Fuel Conservation Loan rate by 0.25%. Do you have 5,000 Points? You can reduce that rate by up to 0.50%!

Learn more about Co-op Points

Purpose Annual Percentage Rate (APR) APR: 2,500 Co-op Points APR: 5,000 Co-op Points Limit Maximum Term
Home Heating 3.90% 3.65% 3.40% $3,000 12 Months
Other Improvements 3.90% 3.65% 3.40% $3,000 24 Months

Payment example: 3.90% for 24 months equals $43.38 per $1,000 borrowed.


For disclosures and additional details, visit here.