Refinance Your Clean Energy Investment

Lower your payments and even bundle in new upgrades.

Refinance & Recharge: Optimize Your Clean Energy Investment

Lower your payments, bundle new upgrades with our Solar Refinance Loan, and make your clean energy journey even more affordable.

Unlock the full potential of your home’s energy system with our Solar Refinance Loan that is designed for homeowners who want to lead the way in sustainability. This program allows you to lower your monthly payments while seamlessly bundling new clean energy products—like battery storage or panel expansions—into one easy, low-interest payment.

Move Your Loan to Clean Energy CU

Submit Your Application Here

Upgrade My Clean Energy Solar Loan

Submit a Refinance Form within Online Banking

Why Refinance with Clean Energy CU?

By choosing a Solar Refinance Loan, you aren’t just restructuring debt; you are optimizing your investment to increase monthly cash flow and reach your financial goals faster. Stop juggling multiple lenders and start maximizing your savings with a mission-driven partner that understands the true value of your clean energy system.

Bundle & Expand

Ready to add a backup battery or expand your solar array? Don’t juggle multiple monthly payments. Our refinance program allows you to roll new clean energy upgrades into one simple, low-interest loan.

Lower Your Monthly Costs

If interest rates have dropped or your credit score has improved since you first financed your project, you could significantly lower your monthly payments and save thousands over the life of your loan.

Restructure for Your Goals

Life changes, and your debt should be able to change with it. Whether you want to pay off your loan faster or extend your terms to increase monthly cash flow, we provide the flexibility to align your loan with your current financial goals.

The Solar Refinance Loan: Our most popular option for existing solar owners.

You’ve already taken the lead in the clean energy movement. Now, let’s make sure your financing is just as efficient as your home. Whether you want to take advantage of lower interest rates or you’re ready to expand your system, our Solar Refinance Loan is designed to put more money back in your pocket.

If you have an existing solar loan—even if it’s with another lender—we can help you optimize it. Our Solar Refinance Loan is specifically built for homeowners who want to:

Consolidate Equipment:

Combine solar panels, EV chargers, and battery storage into a single bill. We’ve made refinancing easy. Our streamlined application process means you can quickly take advantage of lower rates and better terms without the hassle.

Recapture Savings

Use your tax credit or energy savings to re-amortize and lower your payments without hefty fees.

No Hidden Surprises

Enjoy fixed rates, no prepayment penalties, and a transparent process from a mission-driven partner. We offer straightforward refinancing with no hidden costs or surprises, so you know exactly what to expect.

Move Your Loan to Clean Energy CU

Submit Your Application Here

Upgrade My Clean Energy Solar Loan

Submit a Refinance Form within Online Banking

How it Works

Refinancing shouldn’t be a headache. We’ve streamlined the process into three simple steps:

Apply in Minutes

Moving your loan to Clean Energy Credit Union: Complete the Clean Energy Home Improvement application online.

Upgrading Your Clean Energy CU Loan: Submit a Refinance Form within the self service menu in online banking.

Get a Custom Quote

We’ll review your current system and financial goals to provide a rate and term that works for you.

Close & Save

Once approved, we handle the transition. You keep leading the way in clean energy; we’ll handle the math.

Ready to see how much you can save?

Join the thousands of members who have optimized their clean energy debt to fund a brighter, greener future. We offer a variety of refinance products to fit your needs, please see the qualifications below.

Your existing loan must:

Have minimum balance of $10,000
For a system that is under 10 years old
Have 6 consecutive on time loan payments preceding refinance.
Include the original borrowers on the loan
Include a current utility bill

You will be required to provide the following:

System Health Check Documentation: Access to Invertor monitoring or proof of electricity production on your utility bill.
Original System Contract and Site Plan
6 Months of statements showing on time payments for their existing loan

Your existing loan must:

Be an existing Clean Energy Credit Union Solar PV, Geothermal or Green Home improvement loan
Have minimum balance of $10,000
Have 6 consecutive on time loan payments preceding refinance

Your refinanced loan must:

Include the original borrowers on the loan
Retain the same maturity date

Include the original borrowers on the loan
Be a member in good standing
- Consistent on-time payments with your Clean Energy CU long-term loan
- Positive balance on your deposit accounts
Cannot exceed the maturity date of your long-term loan
Meet credit qualifications

Have existing vehicle loan with us
Include the original borrowers on the loan
Be a member in good standing
- Consistent on-time payments with your Clean Energy CU long-term loan
- Positive balance on your deposit accounts
Cannot exceed the maturity date of your long-term loan
Meet credit qualifications

If you’re refinancing a vehicle that is currently through another FI, please apply through our website. See rate sheet for details.

Today’s Rates

Solar PV System Loans
Loan Type	Min/Max Loan Amount	Term	APR⁹ as low as
¹ The combined amounts of a short-term and long-term loan cannot exceed 100% of the project cost. The short-term loan amount is typically 30% of the project cost, and the long-term loan amount is typically for the remaining balance (70% ). In certain instances, the member may choose to go above 30% for the short-term loan or 70% for long-term loans. ² Rate shown assumes that the short-term loan balloon payment is fully repaid at maturity; if not, the interest rate is 17.99%. ³ Clean Energy Credit Union’s solar contractor partners may offer lower rates with modified terms. ⁴ Rates shown include a 2.00% discount for automatic loan payments. ⁵ Rates shown are the lowest possible rates for qualified buyers. Rates may change dependent on credit qualifications, underwriting factors, and loan characteristics. ⁶ Loan proceeds must be used for new equipment. ⁷ Residences in certain counties and states may be eligible for a 0.50% rate discount, learn more. ⁸ Refinance loans incur an additional 0.50% added to the rates shown above. ⁹ APR = Annual Percentage Rate. All rates and programs are subject to change at any time. See “loan fees” tab for associated fees.
Loan Type Short-Term Solar Electric System Loan (i.e. Solar Tax Credit Loan)	Min/Max Loan Amount $3,000 to $150,000 (When part of a Combo Loan, typically 30% Loan-to-Value¹)	Term 12 or 18 months	APR⁹ as low as 7.50% ^{2 3 4 5 6 7}
Loan Type Single, Everyday, or Long-Term Solar Electric System Loan	Min/Max Loan Amount $3,000 to $150,000 (When part of a Combo Loan, typically 70% Loan-to-Value¹)	Term 12 years	APR⁹ as low as 7.50% ^{3 4 5 6 7 8}
Loan Type Single, Everyday, or Long-Term Solar Electric System Loan	Min/Max Loan Amount $3,000 to $150,000 (When part of a Combo Loan, typically 70% Loan-to-Value¹)	Term 15 years	APR⁹ as low as 8.00% ^{3 4 5 6 7 8}
Loan Type Single, Everyday, or Long-Term Solar Electric System Loan	Min/Max Loan Amount $3,000 to $150,000 (When part of a Combo Loan, typically 70% Loan-to-Value¹)	Term 20 years	APR⁹ as low as 8.25% ^{3 4 5 6 7 8}

Geothermal System/Ground-Source Heat Pump Loans
Loan Type	Min/Max Loan Amount	Term	APR⁹ as low as
¹ The combined amounts of a short-term and long-term loan cannot exceed 100% of the project cost. The short-term loan amount is typically 30% of the project cost, and the long-term loan amount is typically for the remaining balance (70% ). In certain instances, the member may choose to go above 30% for the short-term loan or 70% for long-term loans. ² Rate shown assumes that the short-term loan balloon payment is fully repaid at maturity; if not, the interest rate is 17.99%. ³ Clean Energy Credit Union’s solar contractor partners may offer lower rates with modified terms. ⁴ Rates shown include a 2.00% discount for automatic loan payments. ⁵ Rates shown are the lowest possible rates for qualified buyers. Rates may change dependent on credit qualifications, underwriting factors, and loan characteristics. ⁶ Loan proceeds must be used for new equipment. ⁷ Residences in certain counties and states may be eligible for a 0.50% rate discount, learn more. ⁸ Re-finance options available, fees apply. ⁹ APR = Annual Percentage Rate. All rates and programs are subject to change at any time. See “loan fees” tab for associated fees.
Loan Type Short-Term Geothermal System Loan (i.e. Geothermal Tax Credit Loan)	Min/Max Loan Amount $3,000 to $150,000 Typically 30% Loan-to-Value¹	Term 12 or 18 months	APR⁹ as low as 7.50% ^{2 3 4 5 6 7 8}
Loan Type Long-Term or Everyday Geothermal System Loan	Min/Max Loan Amount $3,000 to $150,000 Typically 70% Loan-to-Value¹	Term 12 years	APR⁹ as low as 7.50%^{3 4 5 6 7 8}
Loan Type Long-Term or Everyday Geothermal System Loan	Min/Max Loan Amount $3,000 to $150,000 Typically 70% Loan-to-Value¹	Term 15 years	APR⁹ as low as 8.00%^{3 4 5 6 7 8}
Loan Type Long-Term or Everyday Geothermal System Loan	Min/Max Loan Amount $3,000 to $150,000 Typically 70% Loan-to-Value¹	Term 20 years	APR⁹ as low as 8.25%^{3 4 5 6 7 8}

Green Home Improvement Loans
Loan Type	Min/Max Loan Amount	Term	APR⁵ as low as
¹ Loans must be used for qualifying clean energy products and services – see list here. ² Rates shown include a 2.00% discount for automatic loan payments. ³ Rates shown are lowest possible rates for qualified buyers. Rates may change dependent on credit qualifications, underwriting factors, and loan characteristics. ⁴ Residences in certain counties and states may be eligible for a 0.50% rate discount, learn more. ⁵ APR = Annual Percentage Rate. All rates and programs are subject to change at any time. See “loan fees” tab for associated fees. ⁶ Refinance loans incur an additional 0.50% added to the current rate.
Loan Type Secured Green Home Improvement Loans¹	Min/Max Loan Amount $3,000 to $75,000	Term 3 years	APR⁵ as low as 5.24%^{2 3 4 6}
Loan Type Secured Green Home Improvement Loans¹	Min/Max Loan Amount $3,000 to $75,000	Term 5 years	APR⁵ as low as 5.74%^{2 3 4 6}
Loan Type Secured Green Home Improvement Loans¹	Min/Max Loan Amount $3,000 to $75,000	Term 7 years	APR⁵ as low as 5.99%^{2 3 4 6}
Loan Type Secured Green Home Improvement Loans¹	Min/Max Loan Amount $3,000 to $75,000	Term 10 years	APR⁵ as low as 6.49%^{2 3 4 6}
Loan Type Unsecured Green Home Improvement Loans¹	Min/Max Loan Amount $1,000 to $50,000	Term 3 years	APR⁵ as low as 8.24%^{2 3 4 6}
Loan Type Unsecured Green Home Improvement Loans¹	Min/Max Loan Amount $1,000 to $50,000	Term 5 years	APR⁵ as low as 8.74%^{2 3 4 6}
Loan Type Unsecured Green Home Improvement Loans¹	Min/Max Loan Amount $1,000 to $50,000	Term 7 years	APR⁵ as low as 8.99%^{2 3 4 6}
Loan Type Unsecured Green Home Improvement Loans¹	Min/Max Loan Amount $1,000 to $50,000	Term 10 years	APR⁵ as low as 9.49%^{2 3 4 6}

Electric Vehicle Loan Rates
Loan Type	Min/Max Loan Amount	Term	APR⁸ as low as
¹ Clean Energy Vehicles must be either all-electric or plug-in hybrid electric. ² Visit your state DMV website to view state-specific requirements and fees. If Clean Energy CU exercises its right to file for the lien- recorded title, you will be responsible for any filing fees. ³ Vehicles are considered used if they have over 10,000 miles or are model years 2023 or older. Maximum age for a used vehicle is 8 years old. ⁴ Rates shown include a 2.00% discount for automatic loan payments. ⁵ Add 1.00% to rates for electric motorcycles, and add 0.50% for high-LTV loans (those exceeding 100% LTV, up to a maximum of 125%). ⁶ Rates shown are lowest possible rates for qualified buyers. Rates may change dependent on credit qualifications, underwriting factors, and loan characteristics. ⁷ Residences in certain counties and states may be eligible for a 0.50% rate discount, learn more. ⁸ APR = Annual Percentage Rate. All rates and programs are subject to change at any time.
Loan Type New or Refinanced New Electric Vehicle^{1 2 3}	Min/Max Loan Amount $3,000 to $125,000 up to 110% Loan-to-Value	Term 4 years	APR⁸ as low as 4.99%^{3 4 5 6 7}
Loan Type New or Refinanced New Electric Vehicle^{1 2 3}	Min/Max Loan Amount $3,000 to $125,000 up to 110% Loan-to-Value	Term 5 years	APR⁸ as low as 5.49%^{3 4 5 6 7}
Loan Type New or Refinanced New Electric Vehicle^{1 2 3}	Min/Max Loan Amount $3,000 to $125,000 up to 110% Loan-to-Value	Term 6 years	APR⁸ as low as 5.89%^{3 4 5 6 7}
Loan Type Used or Refinanced Used Electric Vehicle^{1 2 3}	Min/Max Loan Amount $3,000 to $125,000 up to 110% Loan-to-Value	Term 4 years	APR⁸ as low as 5.49%^{4 5 6 7}
Loan Type Used or Refinanced Used Electric Vehicle^{1 2 3}	Min/Max Loan Amount $3,000 to $125,000 up to 110% Loan-to-Value	Term 5 years	APR⁸ as low as 5.99%^{4 5 6 7}
Loan Type Used or Refinanced Used Electric Vehicle^{1 2 3}	Min/Max Loan Amount $3,000 to $125,000 up to 110% Loan-to-Value	Term 6 years	APR⁸ as low as 6.39%^{4 5 6 7}

Got Questions? We’ve Got Answers.

The fee depends on the type of loan you are refinancing:

Long-term solar or geothermal loan fee: 1% of the refinanced loan with a minimum fee of $250.
Short-term balloon loan fee: $150.
Electric Vehicle loan fee: $50

Solar PV, Geothermal, and Green Home Improvement loans that are already financed through Clean Energy Credit Union. Electric Vehicle loans financed by Clean Energy CU or other financial institutions can be refinanced.

Your loan rate will be priced based on the current rate for your remaining term whereby it is rounded up to the next available loan term offered by Clean Energy CU (for example, if a loan has 14-years remaining it will be repriced at the 15-year term).

Discounts from loan program may not carry over to refinanced loans. This will be reflected in your net tangible benefit analysis provided by our team. However, you may qualify for our Clean Energy For All loan program – learn more here.