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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 How about outdated windows or appliances?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 offer Home Energy Loans with preferred interest rates for participants in the Residential Energy Efficiency Loan Assistance Program (REEL).

The Residential Energy Efficiency Loan Assistance Program (REEL) is offered through Matadors Community Credit Union (MCCU), a CHEEF Participating Financial Institution. MCCU's REEL Loan offers financing with preferred interest rates to pay for eligible energy efficiency projects for qualified single-family residential customers who receive their utilities from either Pacific Gas & Electric (PG&E), Southern California Edison (SCE), Southern California Gas (SoCal Gas), and San Diego Gas & Electric (SDG&E). REEL is available to California homeowners and renters who wish to upgrade their residential property. Members may upgrade a single-family home, townhome, condo, duplex, triplex, fourplex or manufactured home. Up to 4 residential units may be renovated using a single REEL loan. Up to 30% of the loan can be used to pay for other home improvements, water-saving projects, and remodeling. To learn more about program details, visit the REEL program website.

Use the loan for:

  • Roofing
  • Heating & Air Conditioning
  • Lighting
  • Insulation & Air Sealing
  • Water Heaters
  • ENERGY STAR® Appliances

Our Energy Loans feature:

  • Rates as low as 4.74% APR1
  • Flexible project scope: 30% of proceeds can be used for other home improvements
  • Loan amounts from $2,500 to $50,000
  • Terms of 5, 10 or 15 years
  • Single Family and 1-4 residential units
  • Easy automatic payments

MCCU's Home Energy Loan Rates  Apply Now!

Contractors - click here for information on becoming an approved contractor with the REEL Program.

Click here to access the forms needed for the Residential Energy Efficiency Loan (REEL) program

Thinking of adding Solar to your home?

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

1APR = annual percentage rate. Payment per $1,000: 5 years, 4.74% = $18.76. Rates are subject to change at any time. Quoted rates include automatic payment discount of .50%. Membership required. Equal opportunity lender. 

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