Weatherization (ERC) Loan

To help members use energy more efficiently, we offer a loan program for members who want to finance various weatherization activities in existing structures. This service is called the Energy Resources Conservation (ERC) Loan Program.

Loan Terms and Conditions:

• Actual material and installation costs, not to exceed $2,000
• 5% interest rate on unpaid balance
• Term not to exceed 60 months
• Loan funds available for:
  • Caulking
  • Wall, floor, duct, pipe and water heater insulation
  • Storm or thermal windows and doors 
  • Attic ventilation fans
  • Clock thermostats
  • Electric heat pump systems
  • Electric water heaters, which reduce consumption of electricity
  • Electric system coordinated customer-owned devices that reduce the maximum kilowatt 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
• Payments:
  • 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 for ERC 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

Application Form:

• Download the Credit Application Form  

Note: Some forms may be in .pdf format and require Adobe Acrobat Reader. Download Acrobat Reader free from Adobe's web site. This is a safe, fast and easy installation.

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