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Please note that our loan payment portal is currently experiencing technical difficulties. In the meantime, you can continue to make loan and bill payments through Online Banking and our Mobile Banking App. We apologize for the inconvenience and appreciate your patience.

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Energy & Fuel Conservation Loan Disclosures & Details

The current prime rate is: 7.50%. Rates effective as of April 14, 2025. 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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