Energy-Smart Loans

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We empower our members to do more than they thought they could with their banking relationship. We have a great respect and commitment for our combined social, economic and environmental convictions and have built, and will continue to build our financial cooperative around these ideals.

As a representation of our mission, we have become a leader in providing our members the ability to access and afford energy efficient options for their homes. Our Energy-Smart Loans cover everything from heating and cooling, hot water tanks, gas conversions—to windows and even renewable energy like solar.

And our empowerment doesn't end there. When a member has an Energy-Smart Loan, green-jobs are created which in turn supports the local economy and conservation measures for our earth.

So we welcome, and encourage you to learn more by clicking through the list of our partners below and then contacting us to discuss how we can come together to make a positive difference for your family, and our shared communities, economies and environment.

Click below to learn about the programs offered in each state


Anyone who lives in Oregon, Idaho or Montana and is a member (or becomes a member) of the NW Energy Coalition can become a member of PSCCU and apply for one of the following loans. Simply join the NWEC via their website and then forward us the email of your membership confirmation. Then you'll be all set to belong to PSCCU and apply for a loan!

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.*

If applying on-line choose Energy-Smart from the Loan Product drop-down box.

This is an energy efficiency loan program. The measures / equipment you are financing must meet certain energy efficiency standards.  If your project does not meet the efficiency standards of the program we may not be able to finance your project. Your approval along with the rates and terms are subject to your project meeting these efficiency standards.   Should you have any questions about program standards and whether or not your project qualifies please contact us.

Clean Energy Fund Available Statewide
APR 4.25% - 9.84%
Maximum loan amount up to $50,000.00*
Term in months up to 240*

 

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. 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.*

If applying on-line choose Energy-Smart from the Loan Product drop-down box.

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Community Energy Challenge Available in Whatcom, Skagit, San Juan & Island Counties
APR 4.00% - 9.74%
Maximum loan amount up to $50,000.00*
Term in months up to 240*

 

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, you can get help with all your energy efficiency projects, with loans up to $50,000.*

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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 Available in Kitsap County
APR 4.25% -9.84%
Maximum loan amount up to $50,000.00*
Term in months up to 180

 

Snohomish County and 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.*

This is an energy efficiency loan program. The measures / equipment you are financing must meet certain energy efficiency standards.  If your project does not meet the efficiency standards of the program we may not be able to finance your project. Your approval along with the rates and terms are subject to your project meeting these efficiency standards.   Should you have any questions about program standards and whether or not your project qualifies please contact us.

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 Available in Snohomish County
APR 4.25% - 9.84%
Maximum loan amount up to $50,000.00*
Term in months up to 180

 

The time for solar is now and PSCCU is here to provide low-cost financing to homeowners throughout the state of Washington. And if you live in Oregon, Idaho or Montana you can get a solar loan too! Simply click on the Oregon, Idaho & Montana tab above to see the solar loan details for your state.

With an Energy-Smart Loan you can reduce your carbon footprint and reduce your utility bills year round. By participating in this program, you can get help with your solar financing needs as well as any other energy efficiency projects, with loans up to $50,000*.

PSCCU – is proud to be Washington’s Green Credit Union our solar program (to date) has helped over 7100 homeowners become solar citizens, created living wage jobs and these solar projects will generate 17000 Megawatts of electricity over their lifetime in addition to sequestering the same amount of carbon as 13843 acres of forest per year.

Solar Available Statewide
APR 4.25% - 9.84%
Maximum loan amount up to $50,000.00*
Term in months up to 240*

 

The time for solar is now and PSCCU is here to provide low-cost financing to homeowners¹ throughout the states of Oregon, Idaho and Montana.

With an Energy-Smart Loan you can reduce your carbon footprint and reduce your utility bills year round. By participating in this program, you can get help with your solar financing needs as well as any other energy efficiency projects, with loans up to $35,000*.

PSCCU is proud of our solar program and to date we have helped over 7100 people become solar citizens, created living wage jobs and these solar projects will generate 17000 Megawatts of electricity over their lifetime in addition to sequestering the same amount of carbon as 13843 acres of forest per year.

Solar Available Statewide
APR 4.49% - 9.09%
Maximum loan amount up to $40,000.00*
Term in months up to 180

 

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!

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 4.59% for most energy efficient and/or renewable energy projects.*

This is an energy efficiency loan program. The measures / equipment you are financing must meet certain energy efficiency standards.  If your project does not meet the efficiency standards of the program we may not be able to finance your project. Your approval along with the rates and terms are subject to your project meeting these efficiency standards.   Should you have any questions about program standards and whether or not your project qualifies please contact us.

Energy-Smart Loans  
APR 4.59% - 9.09%
Maximum loan amount up to $35,000.00*
Term in months up to 180

 

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 4.59%* If you need more information about the generators, please contact your local utility company or Click here for information on PSE Generators.

Apply Online

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 which is a database of incentives by state.

*APR = Annual Percentage Rate.  All loans subject to credit approval. Terms up to 180 months/15 years, $20,000 financed for 180 months at 4.35% results in a payment of $152.00 per month. 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. 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 July 2019. Documentation fees may apply. Rates are subject to change without notice.

¹ The property must be located in Oregon, Idaho or Montana – if the property is located in Washington State different rates and terms may apply.

Contact PSCCU for more information and current rates.