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FINANCING THE CLEAN ENERGY MOVEMENT.

Loan Products

Learn more about our loan products using the tabs below.

Clean Energy Credit Union is committed to financing the clean energy movement. Our Clean Energy Loans are intended to help members utilize clean energy, reduce energy consumption, save money, and protect our planet for future generations. Click on the tabs below to learn more about each loan type.

Solar Electric Systems

With our solar electric system loans, you can harness the power of the sun with no money down. Click here to see our rates and terms.

When financing your new solar electric system, you can choose one or both of these loan types:

  • A 12– to 18–month ‘same as cash’ loan that covers your 30% solar tax credit (i.e. the Section 48D federal income tax credit that’s available for new residential solar electric systems)
  • A 12–year, fixed rate loan on the remaining 70% solar electric system cost (or less)

By offering up to 100% financing with no money down, our solar electric system loans allow you to swap your monthly electric bill for a monthly loan payment on a solar electric system — one which you would later own free-and-clear at the end of the loan repayment period. Apply with us or apply directly with one of our solar installation partners.

Loan Benefits

  • Secured by the solar equipment that's installed, not by the equity in your home
  • Combined loan amounts up to $50,000
  • Fixed interest rates
  • No prepayment penalties
  • Automatic electronic payments

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Frequently Asked Questions (FAQs)

Do I have to work with one of the Credit Union’s partners for my clean energy project?

No. When you apply for a clean energy loan with Clean Energy Credit Union, you can work with any contractor, vendor, or service-provider that you choose. However, the Credit Union offers special loan offerings via its partners because they, in return, provide multiple value-added services to the Credit Union that reduce our costs and overhead. Click here to learn more about our partners.

Are the Credit Union’s solar installation partners reputable and qualified?

Yes, in order to partner with Clean Energy Credit Union, companies must have an excellent reputation and track record. Click here to learn more about our partners.

How can I find out if there are incentives available in my area for clean energy products and services?

We recommend checking the Database for State Incentives for Renewables & Efficiency (DSIRE): dsireusa.org. We also recommend asking your clean energy contractor, vendor, or service provider as they can typically help you explore what incentives may be available in your area.


Click here for more FAQs


Clean Energy Vehicles

You can help lead the way to a cleaner tomorrow by driving a vehicle that increases fuel efficiency, reduces harmful emissions, and cuts your fuel costs. Click here to see our rates and terms.

Clean Energy Credit Union’s vehicle loans offer low rates and flexible terms for the following types of cars, motorcycles, or trucks:

  • All-electric
  • Plug-in hybrid electric
  • Hybrid and/or highly fuel efficient with an EPA Fuel Economy of at least 40 MPG (combined city/highway)
  • Fuel cell and alternative fuel vehicles (ethanol, natural gas, propane, hydrogen) with an EPA Fuel Economy of at least 40 MPG (combined city/highway)

Loan Benefits

  • Terms up to 72 Months
  • Amounts up to $50,000
  • Fixed interest rates
  • No prepayment penalties
  • Automatic electronic payments

Resources

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Energy Efficiency Improvements

Are you exploring energy efficiency improvements for your home? We want to help you save on your utility bills and your environmental footprint. Click here to see our rates and terms.

Clean Energy Credit Union’s home energy efficiency improvement loans offer low rates and flexible terms for the following uses:

  • Energy efficient HVAC systems
  • Energy efficient water heating systems
  • Energy efficient lighting
  • Energy efficient windows
  • Insulation, weatherproofing, air sealing, duct insulation, duct sealing, etc.

Loan Benefits

  • Secured and unsecured loans available depending on project type
  • Terms of up to 120 months
  • Amounts up to $50,000
  • Fixed interest rates
  • No prepayment penalties
  • Automatic electronic payments

Apply Now

Clean Energy Credit Union’s share secured loans are a great idea if you are looking to build credit, need some cash without dipping into your savings, or want to avoid early withdrawal penalties on your Clean Energy CD. Our share secured loans use funds in your Clean Energy savings account or CD account as collateral, thereby allowing you to get a low-rate loan while still earning interest on your deposits. Click here to see our rates and terms.

Loan Benefits

  • No credit check required
  • No fees
  • Flexible terms of up to 120 months
  • Amounts of up to 100% of your deposit balance
  • Collateral from your deposits allows for a lower rate than an unsecured loan
  • Continue to earn interest on 100% of your deposit balance

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In the future, Clean Energy Credit Union is planning to provide additional types of loan products such as:

  • Credit cards
  • Bicycle loans
  • Electric-assist bicycle loans
  • Residential fuel cell loans

If there’s a clean energy loan that you’re interested in, please let us know!!