Personal Green Loan Rates

Rates effective 10/09/2024

Energy Improvement Loan
Term¹	APR as low as
APR = annual percentage rate and reflects the current minimum APR offered. Other rates and terms may be available. APR may be adjusted based on your individual credit standing and term.
Term¹ 60 months	APR as low as 6.50%
Term¹ 144 months	APR as low as 7.75%
Term¹ 180 months	APR as low as 8.50%

20-Year Energy Improvement Loan
Term²	APR as low as
APR = annual percentage rate and reflects the current minimum APR offered. Other rates and terms may be available. APR may be adjusted based on your individual credit standing and term.
Term² 240 months	APR as low as 9.75%

Investment Tax Credit (ITC) Loan
Term³	APR as low as
APR = annual percentage rate and reflects the current minimum APR offered. Other rates and terms may be available. APR may be adjusted based on your individual credit standing and term.
Term³ 84 months	APR as low as 7.75%
Term³ 180 months	APR as low as 8.50%

Home Energy Loan
Household Income Qualifications⁴	Term⁵	APR as low as
APR = annual percentage rate and reflects the current minimum APR offered. Other rates and terms may be available. APR may be adjusted based on your individual credit standing and term.
Household Income Qualifications⁴ High Income	Term⁵ 36 months	APR as low as 4.99%
Household Income Qualifications⁴ High Income	Term⁵ 60 months	APR as low as 4.99%
Household Income Qualifications⁴ High Income	Term⁵ 120 months	APR as low as 5.99%
Household Income Qualifications⁴ High Income	Term⁵ 180 months	APR as low as 6.99%
Household Income Qualifications⁴ Moderate Income	Term⁵ 36 months	APR as low as 0.00%
Household Income Qualifications⁴ Moderate Income	Term⁵ 60 months	APR as low as 0.00%
Household Income Qualifications⁴ Moderate Income	Term⁵ 120 months	APR as low as 2.99%
Household Income Qualifications⁴ Moderate Income	Term⁵ 180 months	APR as low as 3.99%
Household Income Qualifications⁴ Low Income	Term⁵ 36 months	APR as low as 0.00%
Household Income Qualifications⁴ Low Income	Term⁵ 60 months	APR as low as 0.00%
Household Income Qualifications⁴ Low Income	Term⁵ 120 months	APR as low as 1.99%
Household Income Qualifications⁴ Low Income	Term⁵ 180 months	APR as low as 2.99%

Disclosures

1.: Payment example: A $20,000 loan for 144 months at 7.75% APR will have a monthly payment of $213.78.
2.: Payment example: A $20,000 loan for 240 months at 9.75% APR will have a monthly payment of $189.76.
3.: Payment amount subject to change after the initial 24 months based on tax credits or other credits applied to principal or re-amortization of the outstanding balance. Payment example: a $20,000 loan at 8.50% APR would result in 24 initial monthly payments of $149.37. If 30% of the loan amount is applied to the principal during the first 24 months, the monthly payment would remain approximately the same for the remaining term of the loan. If the principal is not paid down with a tax credit or other payment, the outstanding loan balance at the end of the 24-month period will re-amortize to $210.99 per month for the remaining 156 months.
4.: Income qualification guidelines apply. APR will be adjusted based on household income and term. Secured loan options available upon request; minimum secured amount borrowed is $5,000.
5.: Payment example: A $20,000 loan for 60 months at 4.99% APR will have a monthly payment of $377.33.