Energy-Efficient Loans
Make energy-saving upgrades with affordable financing designed for homeowners.
Why Borrow With SCCCU?
- Applying online, in person, or over the phone is easy.
- We’re a local lender that puts people first with personalized service and local decisions.
- All residents of Santa Cruz County, Monterey County, and San Benito County are eligible to apply.
Energy-Efficient Loans
Our flexible loans make energy-efficient home upgrades simpler and more affordable.
Uses
High-efficiency AC and heating systems
Appliances, lighting, and replacement windows
Rainwater collection systems, landscaping, and irrigation
Energy-efficient roofs
Improved home insulation, and more
Features
Loans up to $10,000
Terms up to 60 months
Competitive low rates
No prepayment penalties
Manage your loan 24/7 using Online Banking or Mobile Banking
Use Express Pay to securely repay your loan from any financial institution
Get the most out of your solar investment with a low-rate solar loan, which covers the cost of equipment, installation, service, and related expenses.
Uses
Solar photovoltaic (PV) system installation
Solar thermal system installation
Features
Low rates and flexible terms up to 180 months
Property lien is required, and the home must not be under a Trust
Local decision-making with a maximum loan amount of $100,000
There are no prepayment penalties, but there is a $250 loan fee required at origination
Use Express Pay to securely repay your loan from any financial institution
Manage your loan 24/7 using Online Banking or Mobile Banking
Our flexible loans make energy-efficient home upgrades simpler and more affordable.
Uses
High-efficiency AC and heating systems
Appliances, lighting, and replacement windows
Rainwater collection systems, landscaping, and irrigation
Energy-efficient roofs
Improved home insulation, and more
Features
Loans up to $10,000
Terms up to 60 months
Competitive low rates
No prepayment penalties
Manage your loan 24/7 using Online Banking or Mobile Banking
Use Express Pay to securely repay your loan from any financial institution
Get the most out of your solar investment with a low-rate solar loan, which covers the cost of equipment, installation, service, and related expenses.
Uses
Solar photovoltaic (PV) system installation
Solar thermal system installation
Features
Low rates and flexible terms up to 180 months
Property lien is required, and the home must not be under a Trust
Local decision-making with a maximum loan amount of $100,000
There are no prepayment penalties, but there is a $250 loan fee required at origination
Use Express Pay to securely repay your loan from any financial institution
Manage your loan 24/7 using Online Banking or Mobile Banking
More for Your Life.
Home Equity Loans
Make the most of your home, and your next opportunity.
Credit Cards
Get the purchasing power you need with the benefits you want.
Financial Knowledge Center
Financial questions? We’re here for you, with resources online and in person.