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Home Energy Loans


Residential members who want to update their homes are able to finance their purchase of home energy products with a loan from National Cooperative Bank (NCB). We work together with NCB to expand member access to home energy products and services. These loans are available to NCE members interested in energy storage, EV chargers, geothermal heat pump installations, generators, appliances, and energy efficiency measures.

This provides a flexible option for members to spread their investment cost over multiple years instead of needing to make an up-front cash payment in order to participate and enjoy the benefits of these offerings.

 You can easily apply online here. You can also call Brittney Baldwin at (866) 499-3517.

*Certain restrictions apply. All products offered are subject to National Cooperative Bank, N.A. guidelines. Banking products and services provided by National Cooperative Bank, N.A. Member FDIC. NCB NMLS#422343.

Frequently Asked Questions

I am interested in financing my energy improvement project, can you tell me about the loan products?
We have a program with National Cooperative Bank (NCB) in providing 5 or 8 year secured and unsecured loans for our electric co-op members. The minimum loan amount is $3,000, and you can finance up to 100% of the project cost.  There is no early pay off penalty.

Interest rates vary based upon the term and individual credit, but rates are very competitive. If you would like to get check rates, please call NCB’s Brittney Baldwin at (866) 499-3517.

How do I apply?
You can easily apply online at You can also call Brittney Baldwin at (866) 499-3517.

What can I finance?
You can finance EV chargers, geothermal heat pump installations, generators, appliances, and energy efficiency measures.

What are the fees?
There is no application fee for an unsecured loan ($3,000 to $30,000). The bank charges an origination fee of $150 for a secured loan ($30,001 to $100,000) that is due at closing. 

How long does the process take?
Typically the process takes between 3-5 days, and that depends on making sure you provide all the documentation to National Cooperative Bank.

How do I pay my loan bill?
The bill for your loan with NCB will be mailed directly to you every month. You can pay your loan electronically via ACH or wire, or regular check. Do not include your payment with your electric bill.

Why should I finance with National Cooperative Bank?
National Cooperative Bank has designed a program for residential members of Electric Cooperatives based on its experience with consumer and energy finance. You, as our consumer-member, get the best of both – a bank that knows the business combined with a personal commitment and connection to the customers it serves. Applying is easy and can be done via telephone or securely online. NCB’s product offers terms from 5 or 8 years allowing you to enjoy low, fixed payments over the long term with minimal upfront fees.


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