Actual material and installation costs, not to exceed $10,000, 5% interest rate on unpaid balance and term not to exceed 84 months.

Loan funds available for:

  • Caulking
  • Wall, floor, ceiling, duct, pipe and water heater insulation
  • Storm or thermal windows and doors 
  • Clock thermostats
  • Attic ventilation fans
  • Electric water heaters, which reduce consumption of electricity
  • Devices that reduce the maximum coincidental or non-coincidental demand on the electric system

No loan funds available for:

  • Labor when member/applicant self-installs materials
  • Refinancing existing obligations
  • Cost of measures in progress or already completed
  • Cost of measures in structures planned or under construction


  • Co-op bills monthly
  • No penalty for early repayment
  • Balance due and payable upon termination of membership or change of property ownership

Applications are subject to approval by board of directors

Property owner must co-sign loan made to renter

Application Process:

  1. Member submits completed Credit Application Form for EE loan
  2. If approved by Board, member provides invoice(s) confirming loan amount
  3. Member and Co-op execute Consumer Credit Disclosure Form and Installment Note
  4. Co-op issues check to member for loan amount