Installing Solar Panels on Roof - Hero

20-Year Energy Improvement Loan

Got big plans? We offer longer-term loans for larger-scale energy investments.

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Reduce monthly costs with a longer-term loan

Minimize your home’s operating expenses with larger-scale solar purchases, high-efficiency home heating solutions, and comprehensive home energy improvements.


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    Low rates

    Looking for consistent, manageable payments? Discounted, fixed rates make this loan both affordable and predictable.

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    20-year term

    A longer term helps you finance those larger projects that may not otherwise be affordable.

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    Higher loan maximum

    Invest more in your solar purchase or comprehensive home energy renovation up front to yield greater long-term savings on home operating costs.

Is your project eligible?

Before committing to a project that may be eligible for the 30% Federal Investment Tax Credit, please consult with your tax advisor to determine your tax credit eligibility. The Federal Investment Tax Credit is not a guaranteed refund. You must qualify for this credit based on your annual tax liability. VSECU does not provide tax advice.

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Current rates

20-Year Energy Improvement Loan 1,3


APR as low as

APR = annual percentage rate, effective as of 11/15/2023 and reflects the current minimum APR offered.


240 months

APR as low as


Estimate your monthly payment

Enter the amount you wish to borrow for a 20-year loan term to determine your estimated monthly payment and interest rate.

Calculated payments shown are for estimation purposes only. Actual loan payment amount and interest rate will be disclosed at loan closing and may differ slightly.

Apply for a 20-year Energy Improvement Loan

If you are already a member and want to apply for a 20-year Energy Improvement Loan, it’s easier to open apply once you’ve logged into online or mobile banking. That way we can save you time by pre-filling the application with your information.

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– Other rates and terms may be available. APR = annual percentage rate and may be adjusted based on your individual credit standing and term.
– Payment example: A $20,000 loan for 240 months at 8.60% APR will have a monthly payment of $174.96.