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Personal and Business Banking

Energy Efficiency and Assistance Loans

Helping you reduce energy costs or pay for fuel

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Energy Efficiency and Assistance Loans

Energy Efficiency and Assistance Loan Benefits

  • The Energy Efficiency Loan finances home improvements and purchases that reduce energy consumption
  • The Fuel Assistance Loan helps you spread heating costs throughout the year
  • The Energy Efficient Auto Loan Discount saves you interest when you finance high mileage cars

Please refer to Details and Rates tabs for additional information and important disclosures.

"Great Partnership"

Open quote Above and beyond...I have gotten a great feel from DCU since I first acquired an auto loan. Thrilled to capitalize on all the benefits of my membership. Close quote

— Andyh, Manchester by the Sea, MA

Energy Efficiency and Fuel Assistance Loan Details

These lending products help you get over the initial cost of purchases that will cut your energy bills in the long run or break up the concentrated cost of home heating over smaller monthly payments.

Energy Efficiency Loan

  • Use to finance energy-saving improvements to your home such as insulation, heating system upgrades, pellet or wood-burning stoves, storm windows, and much more.
  • Terms up to 60 months
  • Check is made payable to you and your installation company

Fuel Assistance Loan

  • Use to spread the high cost of your home heating bill
  • Applies to the cost of oil, gas, propane, electric heat, pellets, or firewood
  • Annual Percentage Rate is a fixed 8.25% for up to 12 months
  • Maximum loan is $3,000
  • Only one Fuel Assistance Loan may be open at any time
  • Check is made payable to you and your utility or oil company

Energy Efficient Auto Loan

  • If you are planning to purchase an energy efficient auto, this loan will make your vehicle even more affordable.
  • .25% is deducted from the rate for which you otherwise qualify
  • Vehicle must meet the Government's established guidelines for fuel economy which is an average of 35 MPG (Miles Per Gallon)

Energy Efficient Loan – Fixed Rate*

For adding insulation, upgrading your home's heating system, adding a pellet or wood-burning stove, adding storm windows and doors.

Our Best Rates**
Terms / Features Annual Percentage Rate Estimated Monthly Payment
per $1,000
Up to 60 Months 8.75% $20.64

Rates are effective .

*Member must qualify for unsecured loan.

**Rates are determined by your personal credit history.

APR = Annual Percentage Rate.

Fuel Assistance Loan – Fixed Rate*

For oil, gas, propane, electric heat, pellets, or firewood used for home heating. Maximum loan up to $3,000.

Our Best Rates
Terms / Features Annual Percentage Rate Estimated Monthly Payment
per $1,000
Up to 12 Months 8.25% $87.10

Rates are effective .

*Member must qualify for unsecured loan. Only one Fuel Assistance Loan allowed at one time.

APR = Annual Percentage Rate.

Energy Efficiency and Fuel Assistance Loans is rated 4.4 out of 5 by 28.
Rated 5 out of 5 by from Solar Finance Loan It was an easy and fast process to get a loan to do solar improvements to my home. I appreciate how well I was served and hope everything goes well in the future. Thank You.
Date published: 2019-08-10
Rated 5 out of 5 by from Communication at it's best!!! Got my loan for roof repairs and solar panels. My loan was accepted in minutes!!! The communication has been great. The loan program has been explained very well, the process of the work being performed at my residence has been pin point on target and that's thanks to DCU, very satisfied customer, will definitely continue doing business with you and to top it off, the interest is the best out there in the market. But don't take my word, do your own research and find what I found with DCU. Will definitely recommend DCU to my family and friends, Thanks DCU.
Date published: 2019-05-06
Rated 5 out of 5 by from An Easy Solar Loan DCU was most efficient in it's use of electronic and digital features when applying for a solar loan. The process flew through all the necessary steps in just minutes, from application to approval.
Date published: 2019-04-27
Rated 5 out of 5 by from Solar Loan Outstanding service from this company. Completed application on-line. Approved in seconds. Very simple! Great rates, too!
Date published: 2019-04-20
Rated 5 out of 5 by from Easy loan to aquire Easy and simple loan application. Receive updates often
Date published: 2019-04-06
Rated 5 out of 5 by from Solar Engergy Loan Has been a great experience as far as getting the loan at a reasonable rate and payment.
Date published: 2018-12-04
Rated 5 out of 5 by from A variety of options appreciated. Only been with the company a short time but pleased with the rapid response I have received.
Date published: 2018-06-30
Rated 5 out of 5 by from Solar panels Good people to work with and stay with you through whole way
Date published: 2017-02-04
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Question on Energy Efficiency - Installing solar panels

We are thinking of adding solar panels to our house. what is the procedure to get loans with DCU for this?
Asked by: mangala
Please call us at 800/328-8797 option 3 to apply.
Answered by: DCU Staff
Date published: 2013-10-23

Energy efficiency loan - can you have 2 at the same time?

I have a very old, large bow window and drafty door that need to be replaced and I am currently working with a door/window installer for those installations. I would also like to convert my all electric heat to efficient natural gas or solar. Could I have 2 energy efficient loans at the same time? Or does one have to be paid in full before applying for the second?
Asked by: Ann
You can apply for more than one as needed or consolidate all improvements into one loan for the home improvements you plan to make.
Answered by: DCU Staff
Date published: 2015-01-03

can i get a loan to pay off my credit cards.

i need help paying off my credit cards and was wounding can i get a loan to pay them off. also im in the process of looking for an apartment. which is tough i only make 900.00 a month is there any help i can get.
Asked by: gamer1
You would want to apply to determine your eligibility. Typically a Bill Consolidation loan is used to pay off credit cards.
Answered by: DCU Staff
Date published: 2013-10-23

Can I get a Energy Efficient Auto Loan on 2013 Hyundai Sonata Limited 2.4L non-turbo model car?

I am planning to buy a Hyundai Sonata Limited 2.4 L non-turbo model car with a Premium navigation package. Please let me know. Thanks.
Asked by: aarteepujar
In order to qualify for the Energy Efficiency rate discount, the vehicle you are purchasing must meet the Government's established guidelines ( ) for fuel economy which is an average of 35 MPG (Miles Per Gallon). For the 2013 Hyundai Sonata vehicle you described, it has an average of 28 MPG, therefore, it would not be eligible for this rate discount.
Answered by: DCU Staff
Date published: 2013-10-23

With an energy efficient loan, can I replace my roof?

Also, is there a limit to the amount you can borrow? We also need to insulate, get replacement windows and storm doors, and replace our old hot water tanks with on-demand systems. Can this loan be used for owner-occupied three family homes?
Asked by: MyOldHouse
Qualified borrowers may obtain an Energy Efficient Loan for an amount between $200 to $100,000. Terms are up to 60 months in length. The purpose is to add insulation, upgrade furnace or home- heating system, Pellet Stoves, Wood Burning Stoves, install storm windows and doors, but other items may also qualify. Please call us to learn more.
Answered by: DCU Staff
Date published: 2014-04-05
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"Love, Love,
Love DCU!"

Open quote I switched from my bank last year - WILL NEVER GO BACK! Cannot say enough good things about DCU. Close quote

— Sue, Hancock, NH

Easy Ways To Apply For A Energy Efficiency and Fuel Assistance Loan

  1. Apply Online – 24 hours a day, 7 days a week.
  2. Apply by phone – 24 hours a day, 7 days a week call 800.328.8797 or 508.263.6700 and press 3.
  3. Any DCU Branch – Visit your local branch.

"Always There"

Open quote I have been using DCU since they started and I have always been very happy with their service, value, products and features. Close quote

— BigUglyDuck, Merrimack, NH


  • Are You Already Approved? – Login to Online Banking and check your Account Manager inbox for a message. If you are, you can accept your approved loan online.
  • Loan Payment Method Authorization (.pdf format) – Use to have DCU set up electronic loan payments by transfer from your DCU savings or checking account. Note: you can set this up on your own with Internet Online Banking Automatic Transfers.
  • Payment Protection – Helps relieve the pressure of your loan payments during certain unexpected events.

Related Links

  • Loan Calculator – Use these calculators to determine an approximate loan payment based on the loan amount (loan cash), term, and credit history standing. This helps you see if a loan will fit within your budget.
  • StreetWise Guide to CreditStreetWise guide helps you understand how credit works, how to use it responsibly, how to know if you are having difficulty with it, and what to do if you are.
  • How to Make Your Loan Payment – We make it easy to make your loan payment. Find out more about our convenient payment options.
  • Skip a Payment (.pdf format) – You have the option to skip a loan payment without impacting your credit rating.
  • Calculate Finance Charges – Sometime members have questions about how Finance Charges or Interest on their DCU loan accounts are calculated. This information is designed to make the information in your loan disclosures a little easier to understand.
  • Schedule of Fees and Service Charges – Details regarding member benefits that may help you avoid fees.
  • Financial Wellness and Recovery – Learn what DCU can do for you if you are now or think you may soon experience a financial setback. The earlier you contact us, the more we can do to help.