Green Home Improvement Loans

Click here to see a list of eligible products.

If you are applying for a non-solar clean energy loan, there is no requirement to work with a Registered Dealer. Please note: For Green Home Improvement projects, your contractor must have at least a 1 year workmanship warranty.

If you are applying for a solar loan, please ask your solar contractor (aka dealer) if they are a Registered Dealer with Clean Energy CU before you apply. Click here for more details about our Registered Dealer requirement.

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.

First, see if you’re already eligible to join Clean Energy Credit Union by being a part of our “field of membership,” which currently includes:

1. A member of one of the following organizations:  
   1. African-American Credit Union Coalition
   2. American Solar Energy Society
   3. Association of Energy Service Professionals
   4. Colorado Renewable Energy Society
   5. Denver Electric Vehicle Council
   6. Electric Auto Association
   7. Engineers for a Sustainable World
   8. EVHybridNoire
   9. Georgia Solar Energy Association
   10. Green America
   11. GreenHome Institute
   12. Illinois Solar Energy Association
   13. Midwest Renewable Energy Association
   14. Northeast Sustainable Energy Association
   15. Polar Bear Sustainable Energy Co-op
   16. RENEW Wisconsin
   17. Renewable Energy Owners Coalition of America
   18. Solar United Neighbors
   19. Texas Solar Energy Society
   20. Women of Renewable Industries and Sustainable Energy
       
2. An employee or volunteer of one of the following organizations:  
   1. Clean Energy Credit Union
   2. Our Climate
   3. 350 Colorado
      
3. A member of the immediate family or household of someone who is eligible via one of the above options or of someone who is already a member of Clean Energy Credit Union

If you’re not already eligible to join Clean Energy Credit Union, you can consider joining one of the above organizations. On your membership application, you can request that Clean Energy Credit Union sign you up for a membership with the Solar United Neighbors free of charge or request that Clean Energy Credit Union sign you up for a one-year membership with the- American Solar Energy Society and deduct the associated $10 membership fee from your opening account balance. Click here to learn more about the field of membership partner organizations listed above.

After confirming your eligibility, you would then open a “share account” (i.e. savings account) with a $5 minimum deposit which would serve as your ownership share in Clean Energy Credit Union. Once someone becomes a member of the Credit Union, they are a member for life. Click here to join Clean Energy Credit Union.

In case it helps, here’s some background on what a credit union “field of membership” is: although credit unions provide similar services as banks, they are different from banks in many ways. For example, a credit union is a not-for-profit, financial services cooperative that exists solely to serve its members and to fulfill its mission, whereas a bank exists to maximize financial returns for its stockholders. Another difference is that a bank can serve the general public whereas a credit union can only serve its “field of membership,” which is defined by regulators as the people and entities that are legally eligible to join the credit union. Ultimately, a credit union’s field of membership is comprised of one or more groups of people and entities that all have something in common that binds them together in some way. Many credit unions have a field of membership that includes people who work for a certain employer, or who live in a certain geographic area, or who are members of the same professional association or religious organization.