Our Hadley Branch remains closed as repairs continue, and an exact reopening date is not yet available. All other branches remain open as usual. Access your accounts anytime through online and mobile banking. Thank you for your patience.
Energy & Fuel Conservation Loan Disclosures & Details
| The current prime rate is: 7.00%. Rates effective as of October 5, 2026. Rates subject to change at any time. |
Disclosures
• Maximum term for home heating is 12 months, unless a Secondary Share Account has been established to pay for the following years heating expenses.
• Total amount of all unsecured loans and lines of credit may not exceed $50,000 per member.
• Payment example: 3.90% for 24 months equals $43.38 per $1,000 borrowed.
Details
The Energy and Fuel Conservation Loan provides low-rate financing to help with your utility bills and virtually any energy-saving purchase, including:
• Pre-paid oil
• Wood or wood pellets
• Wood or wood pellet stoves
• Appliances, furnaces, and hot water heaters that are Energy Star-certified (energystar.gov)
• Pre-paid bus or other public transportation passes
• Fuel-efficient alternative transportation devices such as bicycles, mopeds, and scooters
• Low-cost home improvements such as weather-stripping, storm doors, or insulation
You can even lower your Energy Loan rate by 1% if you set-up an automatically funded Secondary Share Account at the same time to save for next winter!
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