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Residential Energy Efficiency Loan Program

If you're a homeowner and need a new heating system, new windows or need to add weather stripping, caulking or insulation, Jo-Carroll Energy has a program that may be able to help.

The low-interest residential energy efficiency loan program was started to help homeowners make existing homes more energy efficient, and will loan members from $200 to $5,000 at a low interest rate to make these improvements.

Qualifying projects include:

  • Energy Star qualified geothermal heat pumps
  • Air source heat pumps with a SEER greater than 15
  • Central air conditioners with a SEER greater than 16
  • Heat pump water heaters
  • Solar water heaters (with an electric backup)
  • Attic, wall and floor insulation
  • Caulking and weather stripping
  • Windows and doors
  • Mobile home "roof-overs"
  • Natural gas service extension (available to existing members only where available)

Homeowners interested in the program are required to have a home assessment completed by the cooperative prior to beginning work. After the homeowner has identified their project and had the assessment completed, they will obtain estimates and complete a loan application. Work must be completed within 60 days of the loan approval date.

Loans from $200 to $1,500 will be amortized for up to 36 months. Loans over $2,500 will be amortized for up to 60 months.

Contact us at 800-858-5522 for more information or the current interest rate.

Download a copy of the loan program brochure.

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