Rates as low as 3.99% APR1
As your neighborhood credit union, we're making energy upgrades more accessible with affordable financing that supports a cleaner, more sustainable future—right here in our community.
Why Choose a GoGreen Loan?
- Upgrade with Confidence: Finance everything from urgent replacements to long-term clean energy improvements.
- Save More Over Time: Enjoy lower interest rates that help reduce your total cost.
- Flexible, Affordable Payments: Spread out costs with longer repayment terms that fit your budget.
- No Property Lien Required: Access financing without tying it to your home. Renters can qualify too!
What Can You Finance?3
Heating and Cooling
Upgrade your home with energy-efficient heating and cooling systems that keep you comfortable year-round—while lowering your utility bills.
Upgrade your home with energy-efficient heating and cooling systems that keep you comfortable year-round—while lowering your utility bills.
- Central HVAC
- Heat Pumps (including necessary electrical panel upgrades)
- Mini Splits
- Duct Insulation and Sealing
- Evaporative Cooling
- Gas Furnaces
- Smart Thermostats
- Whole House Fans
- HVAC Tune-Up and Optimization
- MERV 13 Air Filter Upgrades
- Hydronic Radiant Heating
- Diagnostic or Fault Detection Alert Systems
- Air Filter Alarms and Sensors
- Duck Sizing or Optimization
- Ventilation Fans
- EMC Furnace Fan or Motor Controls
Insulation
Upgrading your home’s insulation can boost energy efficiency, reduce heating and cooling costs and help you stay comfortable year-round.
Upgrading your home’s insulation can boost energy efficiency, reduce heating and cooling costs and help you stay comfortable year-round.
- Attic
- Wall
- Duct
- Floor
- Water Heater Tank
- Water Pipe
- Insulated Siding
- Air Sealing
- Radiant Barrier
- Heat Reflective Coating
Lighting
Switching to LED lighting can deliver big benefits—like lower energy use, longer-lasting bulbs and reduced utility costs.
Switching to LED lighting can deliver big benefits—like lower energy use, longer-lasting bulbs and reduced utility costs.
- LED Bulbs
- Fixtures
- Tape Lighting
Pool Products
Make a splash when you fit your pool with energy-efficient pumps, heaters and lighting that help you save on energy costs while keeping your pool running smoothly.
Make a splash when you fit your pool with energy-efficient pumps, heaters and lighting that help you save on energy costs while keeping your pool running smoothly.
- Variable Speed Pool Pump and Motor
- Pool Cover
Water Heating
Upgrade to an energy-efficient water heater and enjoy reliable hot water while cutting down on energy costs year-round.
Upgrade to an energy-efficient water heater and enjoy reliable hot water while cutting down on energy costs year-round.
- eat Pump Water Heaters
- Gas Tank Storage Water Heaters
- Tankless On-Demand Water Heaters
- Tank and Pipe Insulation
- Shower Thermostatic Valves
- Faucet Aerators
- Shower Head – low flow
Windows
Energy efficient windows can help lower your energy bills and keep you comfortable year-round by blocking heat in summer and reducing heat loss in winter.
Energy efficient windows can help lower your energy bills and keep you comfortable year-round by blocking heat in summer and reducing heat loss in winter.
- Windows and Glass Doors
- Interior and Exterior Window Coverings
- Awnings
- Window Film
EV Charging
Installing you’re first charger, or upgrading to a new model? We have you covered.
Installing you’re first charger, or upgrading to a new model? We have you covered.
- Wifi-Enabled Electric Vehicle Chargers
Cool Roofs
Energy-efficient roofing helps regulate indoor temperatures, reduces energy use and extends the life of your home—all while enhancing curb appeal.
Energy-efficient roofing helps regulate indoor temperatures, reduces energy use and extends the life of your home—all while enhancing curb appeal.
Clean Energy
Switching to solar is one of the most impactful ways to reduce your energy bills and your carbon footprint.
Switching to solar is one of the most impactful ways to reduce your energy bills and your carbon footprint.
- Solar
- Solar + Battery Storage
- Battery Storage for Preexisting Solar
- Solar Hot Water Heating
Appliances
Replacing old appliances with energy-efficient models can lower your utility bills and reduce your environmental impact.
Replacing old appliances with energy-efficient models can lower your utility bills and reduce your environmental impact.
- Refrigerator
- Dishwasher
- Washer and Dryer
- Induction Range and Cooktop
- Freezer
- Convection Oven (Electric)
- Air Purifier
- Range Hood
- Get Started!
- Note: At least 70% of the loan must be used for one of these green projects. The other 30% of the loan can be used for other home improvements
- Loan amounts ranging from $2,500 up to $50,000 ($75,000 for solar + battery)
- Apply Now
Frequently Asked Questions
It’s a green energy loan designed to support environmentally friendly projects or purchases. These loans help individuals and businesses invest in energy-efficient upgrades, renewable energy systems and other sustainable solutions.
The GoGreen Loan is supported by California State funding and requires an individual use State of California approved contractors for installation. For projects not requiring a contractor, certain documentation must be provided through the GoGreen portal. KeyPoint Loan Representatives will walk you through the process if you meet the lending qualifications and will offer alternative financing solutions if necessary.
The GoGreen Loan is supported by California State funding and requires an individual use State of California approved contractors for installation. For projects not requiring a contractor, certain documentation must be provided through the GoGreen portal. KeyPoint Loan Representatives will walk you through the process if you meet the lending qualifications and will offer alternative financing solutions if necessary.
KeyPoint’s GoGreen Loans are designed to make sustainability more affordable. Unlike personal or home improvement loans, GoGreen Loans:
- Support eco-friendly initiatives (e.g., solar panels, energy-efficient appliances, electric vehicles and more!).
- Offer special interest rates and terms to encourage sustainable choices.
- May qualify you for additional rebates or tax incentives.
Eligibility is generally based on creditworthiness and project type. Your planned project must meet the green lending criteria, such as improving energy efficiency or reducing environmental impact.
Choosing a GoGreen Loan allows you to:
- Reduce energy costs over time
- Increase property value
- Lower your carbon footprint
- Support the transition to a more sustainable future.
When you make qualified energy-efficient home upgrades—like installing solar panels, heat pumps or windows—you may be eligible for tax credits, refunds and other incentives (like those from your electric company). However, there are factors that can impact your eligibility and funding.
To learn more, visit Database of State Incentives for Renewable Energy (DSIRE) website. You can use their filter tool to see if your improvements qualify for tax credits or other incentives. Please consult your tax advisor for current federal tax credit rules.
* Applicants for financing must receive either gas or electric service from SoCal Gas, SoCal Edison, San Diego Gas and Electric, Pacific Gas and Electric, or the City of Palo Alto Utilities.
Exception: For Central HVAC, Evaporative Cooling, EMC Furnace Fan or Motor Controls, Tankless On-Demand Water Heaters, Cool Roofs, and Convection Ovens (Electric), applicants must receive either gas or electric service from SoCal Gas, SoCal Edison, San Diego Gas and Electric, or Pacific Gas and Electric (City of Palo Alto Utilities does not qualify).
To learn more, visit Database of State Incentives for Renewable Energy (DSIRE) website. You can use their filter tool to see if your improvements qualify for tax credits or other incentives. Please consult your tax advisor for current federal tax credit rules.
* Applicants for financing must receive either gas or electric service from SoCal Gas, SoCal Edison, San Diego Gas and Electric, Pacific Gas and Electric, or the City of Palo Alto Utilities.
Exception: For Central HVAC, Evaporative Cooling, EMC Furnace Fan or Motor Controls, Tankless On-Demand Water Heaters, Cool Roofs, and Convection Ovens (Electric), applicants must receive either gas or electric service from SoCal Gas, SoCal Edison, San Diego Gas and Electric, or Pacific Gas and Electric (City of Palo Alto Utilities does not qualify).
1APR=Annual Percentage Rate. Rates accurate as of 9/24/2025 and subject to change. All loans and terms are subject to credit approval. Rate is based on credit worthiness and other factors and may be higher than the rate shown. Payment example: $43.42 per month per $1,000 borrowed at 3.99% APR for 24 months.
2Please consult your tax advisor for current rules.
3Applicants for financing must receive either gas or electric service from SoCal Gas, SoCal Edison, San Diego Gas and Electric, Pacific Gas and Electric, or the City of Palo Alto Utilities.
Exception: For Central HVAC, Evaporative Cooling, EMC Furnace Fan or Motor Controls, Tankless On-Demand Water Heaters, Cool Roofs, and Convection Ovens (Electric), applicants must receive either gas or electric service from SoCal Gas, SoCal Edison, San Diego Gas and Electric, or Pacific Gas and Electric (City of Palo Alto Utilities does not qualify).