Green home loan or line of credit
Borrow for energy-efficient home upgrades, with a loan or line of credit for homeowners who live or work in Ontario and qualify for credit union membership.
Această oportunitate este disponibilă momentan în limba engleză.
Finance heat pumps, windows, insulation, solar, or energy-efficient furnaces and appliances for your home.
With a loan, you receive the funds once and repay the amount borrowed plus interest. A line of credit lets you borrow, repay and borrow again within your approved limit while it remains active. The green home offer has variable interest. KCCU listed starting rates of 5.10% for both options on 5 October 2026; your rate depends on credit approval, can change and must be confirmed with the lender.
Contract terms run from one to five years, with a total repayment period of up to ten years. The contract term and the time needed to repay all the debt can differ. Payments can be as low as interest only if you provide mortgage security, meaning your home is pledged to secure repayment; those payments do not reduce the amount you owe. You can repay the debt in full at any time without a prepayment penalty.
Eligibility
The financing is for homeowners improving their home’s energy efficiency, and lending is subject to credit approval.
To join KCCU, you must live or work in Ontario, have a Social Insurance Number, current valid identification and proof of your address. Adults buy a one-time membership share of at least CAD 25. KCCU requires one piece of photo identification; if you cannot provide an accepted option, it offers a branch discussion of alternatives. Health cards from any province are not accepted. It may check your credit report when opening the account.
How to apply
- Statut
- Deschis continuu
- Condițiile sesiunii de finanțare
- Credit approval is required; new members must live or work in Ontario.[^c2][^c3]
Contact Kingston Community Credit Union through its contact page to arrange a lending appointment, or call its main branch on 613-384-5555 to discuss the green home loan or line of credit. The contact form is for general product inquiries; do not include personal account information.
If you are a new member, start the online membership application from KCCU’s Become a Member page or arrange an in-branch appointment. KCCU contacts online applicants within two business days with the next steps to complete account opening.