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Energy Improvement Loan

Several options to save you money and energy.

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From solar to bicycles

We can help you finance a range of energy saving projects and purchases, including solar and efficient home heating and cooling systems, weatherization and home energy efficiency upgrades, and commuter and e-bikes.


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    With discounted rates, terms up to 15 years, and a wide variety of uses, this loan can be tailored to your specific needs and goals.

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    Potential savings

    Designed to help you realize savings on your monthly utility bills and transportation expenses over time.

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    Support a healthier climate

    You can feel good knowing that your investment will reduce your impact on the climate.

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

Energy Improvement Loan 1,2


APR as low as

APR = annual percentage rate, effective as of 5/1/2024 and reflects the current minimum APR offered.


60 months

APR as low as



144 months

APR as low as



180 months

APR as low as


Estimate your monthly payment

Enter the amount you wish to borrow and select the preferred 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.

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    Home energy efficiency projects offer many benefits, including health and safety, comfort, structural durability, and energy savings. The money you …
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  • Residential Home with Solar Panels

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    Energy efficiency projects can cost a lot. But they save a lot over time. The trick is to eliminate the …
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Considering buying an electric bicycle?

You may be able to save up to $200 by taking advantage of e-bike rebates offered by many Vermont utilities. But don’t stop there! We can help you save even more when you finance your bike with our low-interest energy improvement loan.

Learn more about e-bike rebates

Electric Bicycle - Long Form Txt

Apply for an Energy Improvement Loan

If you are already a member and want to apply for an Energy Improvement Loan, it’s easier to 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. Call 1-802-371-5146 to speak with a specialist.

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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 144 months at 7.20% APR will have a monthly payment of $207.92.