Home Energy Loans



MCCU offers Home Energy Loans with preferred interest rates for participants in The Energy Network Home Energy Loans and The Residential Energy Efficiency Loan Assistance Program (REEL).

The Energy Network Home Energy Loans

offers property owners rebates and incentives on eligible residential energy efficiency projects and makes rebate recipients eligible for preferred interest rates for qualifying energy efficiency and solar projects. Properties must be serviced by Southern California Edison (SCE) or The Southern California Gas Company (SoCal Gas), not including Santa Barbara, Ventura, or San Luis Obispo counties. To learn more about program details and available incentives, visit the The Energy Network website.


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). Up to 30% of the loan can be used to pay for other home improvements, water-saving projects, and remodeling.



  • Rates as low as 4.99% APR*
  • Loan amounts from $2,500-$50,000




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!

Easy Automatic Payments!

Use this simple form to make automatic loan payments from any bank account.


* APR = annual percentage rate. Payment per $1,000: 5 years, 4.99% = $18.87. Rates are subject to change at any time. Quoted rates include automatic payment discount of .50%.Membership required. Equal opportunity lender. Lender may require a UCC lien be placed against the subject property.



Platinum Membership Information
Refer a Friend
Matadors Money Matters Blog