Puget Sound Cooperative Credit Union | Serving the Puget Sound region since 1934, one member at a time.

Going Green

At PSCCU we understand the challenge in affording energy-efficient alternatives for your home and we’re here to help with our ENERGY SMART Loans. These loans improve housing stock, lower energy usage AND put people to work. When you bank with us, your deposits support the environment, sustainability and YOUR local economy. That’s how PSCCU practices community and cooperation. Our loan products cover everything from heating and cooling, hot water tanks, gas conversions, windows and even renewable energy like SOLAR! Need to do some prescriptive measures before you can make your home more efficient? We can usually help with that as well.

PSCCU is proud to be an official lending partner for the following loan programs:

Clean Energy Fund

Community Energy Challenge

Community Power Works (CPW)

RePower

Snohomish County

Not finding the right fit in one of the programs listed above? No worries! PSCCU still has you covered with great rates on our ENERGY SMART loans to help you improve the efficiency of your home. Applying is easy - and we'll normally have a decision the same day you apply.

Clean Energy Fund

PSCCU is proud to be partnering with the Washington State Department of Commerce to provide low cost financing to homeowners throughout the State. With an energy-smart loan you can make your home more energy efficient and reduce your utility bills year round. By participating in this program, you can get help with all your energy efficiency projects, with loans up to $50,000.00* CLICK HERE for more information.

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Clean Energy Fund Rate APR Maximum loan amount Term in months
Washington State 4.25% - 8.74% 4.25% - 8.74% up to $50,000.00* up to 180

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Community Energy Challenge

This program is designed to serve homeowners throughout Whatcom, Skagit, San Juan, and Island Counties and PSCCU is proud to be a part of it - by providing low cost financing to homeowners. With an energy-smart loan you can make your home more energy efficient and reduce your utility bills year round. By participating in this program, you have access to custom recommendations, expert guidance, and financial incentives, as well as loans up to $50,000.00* CLICK HERE to learn more about the Community Energy Challenge.

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Community Energy Challenge Rate APR Maximum loan amount Term in months
Whatcom, Skagit, San Juan & Island Counties 4.25% - 8.74% 4.25% - 8.74% up to $50,000.00* up to 180

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community power works

PSCCU has partnered with Community Power Works (CPW) to offer a special energy-smart loan program for CPW participants, this program covers the Seattle City Light service territory. With an energy-smart loan you can make your home more energy efficient and reduce your utility bills year round. By participating in this program, can get help with all your energy efficiency projects, with loans up to $50,000.00*. CLICK HERE to learn more about CPW.

CPW Rate APR Maximum loan amount Term in months
Seattle City Light service territory 4.25% - 8.74% 4.25% - 8.74% up to $50,000.00* up to 180

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repower

PSCCU has partnered with Repower to offer a special energy-smart loan program for the Repower program. With an energy-smart loan you can make your home more energy efficient and reduce your utility bills year round. By participating in this program, can get help with all your energy efficiency projects, with loans up to $50,000.00*. CLICK HERE to learn more about the RePower Kitsap programs. This project was supported by Award No. DE-EE0004447 awarded by U.S. Department of Energy. Points of view in this document are those of the author and do not necessarily represent the official position or policies of the U.S. Department of Energy. Grant funds are administered by the State Energy Office, Washington State Department of Commerce.

RePower Rate APR Maximum loan amount Term in months
Kitsap County 4.25% - 8.74% 4.25% - 8.74% up to $50,000.00* up to 180

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snohomish county

Snohomish County and Puget Sound Cooperative Credit Union (PSCCU) have partnered to offer a special energy-smart loan program for Snohomish County homeowners. With an energy-smart loan you can make your home more energy efficient and reduce your utility bills year round. By participating in this program, Snohomish County homeowners can get help with all their energy efficiency projects, with loans up to $50,000.00*. CLICK HERE for more information.

If you are a contractor and interested in participating as part of this program please review the following standards documents created by Snohomish County: Loan Program Standards. If you would like more information about the loan process please download the Energy-Smart Loan Process Checklist

Snohomish County Rate APR Maximum loan amount Term in months
Snohomish County 4.25% - 8.74% 4.25% - 8.74% up to $50,000.00* up to 180

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energy Smart Loans

PSCCU offers an outstanding deal on Energy-Smart loans with terms up to 15 years and loan amounts up to $35,000* with fixed rate loans as low as 4.49%* for most energy efficient and/or renewable energy projects.

Energy Smart Loans Rate APR Maximum loan amount Term in months
Energy Efficiency Loans 6 years or less 4.49% - 7.74% 4.49% - 7.74% up to $35,000.00* 72
Energy Efficiency Loans over 6 years up to 15 years 4.49% - 7.99% 4.49% - 7.99% up to $35,000.00* 73 – 180

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Application

You can apply for a loan right online. You can also apply in person at either office or you can call the Credit Union and someone will be happy to fax, e-mail, or mail an application to you. You can also print out a loan application, complete it and then return the Credit Union via mail or fax.

Tax Credits and Rebates

There are many different programs available to homeowners offering both tax credits and rebates, for improvements including energy efficient windows and doors, insulation, hot water heaters, and more. For detailed information visit the Energy Star website. You can also contact your local utility company or visit DSIRE a database of incentives by state.

Generators

PSCCU also provides financing for Stand-By, Back-Up or Emergency Generators. These generators must be permanently installed or utilize a portable generator with a legally installed transfer switch. Loan amounts up to $35,000.00* and low fixed rates starting at just 4.49%*. If you need more information about the generators, please contact your local utility company or CLICK HERE for a PSE Generator Brochure.

Loans and Rate Information

*All loans subject to credit approval. Rates, terms and dollar limits are based on credit and in some cases the value of the home, the improvements are being made to. For more information contact the Credit Union today. PSCCU makes every effort to have a loan decision for you the same day you apply if not no later than the next business day.

Rates as of September 2014. Documentation fees may apply. Rates are subject to change without notice contact the Credit Union for current rates.

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