E-Home Improvement
Our E-Home Improvement loan (Smart E-Loan) is designed to upgrade your home’s energy performance and provide long-term savings at an affordable rate and manageable monthly payments.
We have partnered with local, certified contractors to offer our members a wide variety of energy efficient solutions that range from small scale projects like mold remediation, insulation, window replacement, to larger projects such as central air conditioning and solar panels.
We offer over 40 home energy upgrades including solar panels and roof repairs
No down payment required
Easy online application with competitive rates and fixed monthly payments
Make your home energy efficient and take advantage of tax credits
Borrow as little as $500 and up to $50,000 with terms up to 240 months
Rates:
| Term | Maximum rate APR* |
|---|---|
| 5 years | 6.49% |
| 7 years | 6.99% |
| 10 years | 6.99% |
| 12 to 20 years | 7.49% |
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*APR stands for Annual Percentage Rate as of June 18,2024. Offered rates, terms, programs, and underwriting policies are subject to change without notice.
Certified Contractors in San Antonio:
AC/DC Electric Service: provides electric services, solar energy systems, safety and protection, low voltage systems.
Alternative Energy Source Co: provides HVAC, solar, generator and electrical services.
IKE’s Air Conditioning: provides air conditioning, heating, indoor air quality and duct services.
Independent Green Technologies of TX: provides residential solar energy systems.
Quantum Solar Power: provides residential, commercial and industrial solar energy.
RISE power: provides solar power, energy storage and generator services.
Tax Credits for Energy Efficient Home Improvements & Clean Energy
ENERGY EFFICIENT HOME IMPROVEMENT CREDIT: If you make qualified energy-efficient improvements to your home after Jan. 1, 2023, you may qualify for a tax credit up to $3,200. You can claim the credit for improvements made through 2032.
RESIDENTIAL CLEAN ENERGY CREDIT: If you invest in renewable energy for your home such as solar, wind, geothermal, fuel cells or battery storage technology, you may qualify for an annual residential clean energy tax credit.