Home Energy Loans



MCCU offers 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). 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 the REEL program website.


  • Rates as low as 5.99% APR*
  • 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 Residence only


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


Easy Automatic Payments!

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


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*APR = annual percentage rate. Payment per $1,000: 5 years, 5.99% = $19.34. 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.



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