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Home Energy Loans

Got a leaky roof? How about outdated windows or appliances? MCCU's got the perfect loan for you.

We've got you covered with affordable & easy financing, with no equity required!

Whether you're a homeowner, renter, or you own a 1-4 residential unit building, MCCU offers affordable energy-efficiency loans with no equity required for participants in the Residential Energy Efficiency Loan Assistance Program (REEL)

Here's what you can finance:

  • Cool Roofs (designed to reflect more sunlight and absorb less heat than a standard roof, making your home more comfortable, and saving you money on A/C costs!)
  • Heating & Air Conditioning
  • Windows & Doors
  • Insulation & Air Sealing
  • Water Heating
  • ENERGY STAR® Appliances
  • Lighting
  • Pool Pumps

Our Energy Loans feature:

  • Zero down
  • Rates as low as 3.99% APR1
  • Borrow $2,500 to $50,000
  • Use 30% of your loan for other non-energy savings measures including drought-tolerant landscaping, painting, flooring & more - ask your contractor for more information!

Apply Now!


1APR = annual percentage rate. Payment per $1,000: 5 years, 3.99% = $18.42. Rates are subject to change at any time. Quoted rates include automatic payment discount of .50%. Membership required. Equal opportunity lender. 


Want to add Solar to your home? 

We can help finance it with affordable rates and terms! Find out more about our Solar Loans!

For REEL Contractors Only

Click here to become an approved contractor with the REEL Program.

Click here to access the forms needed for the REEL Program.

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