Cool Comfort HVAC Loans


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When it's time to replace your HVAC (Heating, Ventilation & Air Conditioning) system, look to your credit union for financing. MCCU offers affordable financing for your next heating and cooling upgrade project.


Qualifying Upgrades

HVAC Installation Minimum Energy Efficiency Requirement
Central Air Conditioning Unit 15 SEER and 12 EER
Central Forced Air Furnace 92% AFUE
Heat Pump 8 HSPF, 15 SEER and 12 EER
Testing and Treatment of Ducts Duct sealing and insulation or duct replacement in compliance with local code


Financing Terms & Rates

  • Finance $2,500-$15,000
  • No prepayment penalties
  • No closing costs
  • No application fee


5 Years: 4.99%APR*, 10 Years: 5.99%APR*


Find a Participating Contractor

To find a participating contractor or if you are a contractor who would like to be listed please click here.


Fast Approval Process — Apply Today!

Apply online for a fast response and to get pre-approved! When you apply, be sure to choose "Cool Comfort HVAC".


* APR = Annual Percentage Rate. Stated rates include a 0.50% discount for automatic payments. At stated rates, monthly payments per $1,000 funded are: 5 year term: 4.99% - $18.87. 10 year term: 5.99% - $11.10 Rates are subject to change at any time. Must meet credit and income criteria. Membership required. Loan approval is subject to scope of work review. Equal opportunity lender.


For other energy-efficient loans at MCCU,
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Platinum Membership Information
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