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Energy Efficiency Loan

Heritage Family Credit UnionStatele Unite ale Americiipână la 40 K USD

Borrow up to $40,000 without pledging collateral for home energy improvements, if you qualify for Heritage Family Credit Union membership.

Această oportunitate este disponibilă momentan în limba engleză.

Use the loan for improvements such as new appliances, sealing a drafty home or solar panels.

Heritage Family Credit Union lends you the money as an unsecured loan, so you do not pledge collateral. You repay the borrowed money with interest over the agreed term. Its rate table effective October 10, 2026 lists an 84-month term and an annual percentage rate (APR) from 7.70%. The table gives a payment of $15.45 per $1,000 borrowed. Your rate depends on your credit history and may be higher; published rates can change.

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Eligibility

You must qualify for credit union membership through one of these routes:

  • You live, work, worship, attend school, volunteer, regularly conduct business or belong to an organization within its field of membership. This covers specified municipalities in Vermont, New Hampshire, New York and Massachusetts. Check the municipality list on the membership page; it does not cover every place in those states.
  • You are an immediate family member of a current member, or live in the same household as one.
  • You are the surviving spouse of someone who died while they were a member within the field of membership.

Membership requires an initial $25 deposit into an account as your ownership share in the credit union. You must provide proof of the work you plan to do. The interest rate depends on your credit history, and not every borrower qualifies for the lowest rate.

How to apply

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  • Membership eligibility and credit assessment apply.

Open Heritage Family Credit Union’s energy-efficiency loan application page and choose “Not Yet a Member” or “I’m a Member” to begin through the appropriate online route. New applicants must qualify for membership and make the initial $25 share deposit. Provide proof of your planned work as part of the loan application.

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