Green Loans

Lower your energy costs, upgrade your home, finance with KeyPoint
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Interest rates as low as 3.99% APR1
Loans available from $2,500 to $50,000 (up to $75,000 for solar and battery)
Terms range from 12 months to 180 months to fit your budget
No fees and higher debt-to-income limits for Green Loans

GoGreen Loans – to lower your energy costs and support sustainability

You're attuned to your impact on the natural environment, and to the cost of energy in the Bay Area. We're focused on providing special loans to make energy-efficiency upgrades to your home and lifestyle. And there's no property lien required, which means you can qualify if you rent.

  • Finance everything from urgent replacements to long-term clean energy improvements2
  • Lower interest rates reduce your total cost
  • At least 70% of the loan must be used for one of these green projects listed below (the other 30% can be used for other home improvements)

Finance energy-efficient upgrades and eco-friendly improvements with KeyPoint Credit Union Green Loans designed to support sustainable living. Serving the San Francisco Bay Area, Santa Barbara County and beyond.

Be green and save some green with Green Loans
Apply Now

Solar Loans

Turning to solar energy for your home? Our special loan program helps you finance the equipment and installation.

  • Solar
  • Solar + Battery Storage
  • Battery Storage for Preexisting Solar
  • Solar Hot Water Heating

HVAC Financing

Check into special financing options for installing new climate-control systems in your home. 

  • 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
  • Duct Sizing or Optimization
  • Ventilation Fans
  • ECM Furnace Fan or Motor Controls

Electric Vehicle Charging

Installing your first home charging station or upgrading to a new model? Finance it here.

  • Wifi-Enabled Electric Vehicle Chargers

Insulation

Upgrade your home’s insulation to 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

LED Lighting

Switch to LED lighting and enjoy the benefits, such as 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 and keep your pool running smoothly.

  • Variable Speed Pool Pump and Motor
  • Pool Cover

Water Heating

An energy-efficient water heater delivers reliable hot water and reduces energy costs year-round.

  • Heat 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.

  • Windows and Glass Doors
  • Interior and Exterior Window Coverings
  • Awnings
  • Window Film

Cool Roofs

Energy-efficient roofing helps regulate indoor temperatures, reduces energy use and extends the life of your home — all while enhancing curb appeal.

Appliances

Replace old appliances with energy-efficient models to 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
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1 3.99% is best available APR as of 02/01/2026 and subject to change. Rates offered to approved applicants depend on creditworthiness and other factors and may be higher. All loans subject to credit approval. KeyPoint membership required. Payment example: $43.42 per month per $1,000 borrowed at 3.99% APR for 24 months.

2 Applicants for financing must receive either gas or electric service from the list of gas and electric providers. View the list of gas and electric providers.

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