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Home Fuel Loan

Keep your home and family warm this winter.

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We don't want anyone to get left out in the cold

We all try our best to budget for heating costs, but with the fluctuation in energy prices, sometimes our best efforts can leave us short on cash. If you find yourself in need of extra funds, VSECU’s fuel loan is priced to help you through the winter.


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    Fixed rate

    A low, fixed rate means no surprises further down the road.

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    You don’t have to put up any collateral to be eligible for this loan.

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    Flexible borrowing

    You can borrow as little as $300 and as much as $10,000.

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    Pay directly to fuel provider

    We will make payments directly to your fuel provider so you don’t risk any interruption in service.

Current rates

Fuel Loan 3



Annual percentage rate effective as of 11/6/2023 and reflects the current minimum APR offered.


12 months



Estimate your monthly payment

Enter the amount you wish to borrow for a 1-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.

Prepare now for the next heating season

There are other agencies and organizations in Vermont that can help families prepare for a heating season, or be available for an emergency heating crisis. We encourage you to contact some of these resources before the winter season arrives:

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Apply for a Home Fuel Loan

If you are already a member and want to apply for a Home Fuel Loan online, 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.

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– Other rates and terms may be available. Payment example: A 12-month loan with a 7.50% APR would have monthly payments of $87.02 per thousand dollars borrowed.