fbpx Skip nav to main content. Start Video Call

Home Improvement Loans

"Any time I call I always get my questions answered! I've been a member since the early 90s and love ACU!"

Man in a black cap and a beard laughing Dennis M.
  • Go green!

    Environmentally conscious loans

  • Get green!

    Save more cash with lower rates

  • Apply Now!

Make your home special

Did you know you can get a loan just for making energy-efficient improvements to your home? These loans are much cheaper than most other no-collateral loans – as low as 5.99% APR*. Whether you’re putting in solar panels or simply buying a more energy-efficient oven, you can go green and save on costs.

A unique loan

Most credit unions and banks don’t offer this type of loan. We’re proud to provide it to our members so they can build up their big dreams of homeownership without leaving a big environmental footprint.

  1. 1

    Plenty of options

    Use this loan on energy-conscious solar panels, windows, doors, siding and insulation, plus appliances such as washers and dryers.

  2. 2

    No appraisal needed

    Unlike a home equity loan or line of credit, this loan requires no appraisal. Save time and spend less money getting your home improvements rolling.

  3. 3

    Complete flexibility

    We've got the loan that's right for you. Borrow as little as $500 or as much as $15,000, and get terms as long as 60 months.

Go Green today

Call, come into a branch or fill out your online application right here, right now.

Apply Now!


Loan Calculator

Format: 12m, 36m, 3y, 7y


Making your home more energy efficient is a great way to save money and help the environment. Many different improvements can be made, and each one has its benefits. We will discuss some of the most popular energy-efficient enhancements and how they can help you save money on your energy bills.

A New, Quality HVAC System

This is an excellent way to save money and improve the comfort level in your home. A new, more efficient heating and cooling system will also lower the overall carbon footprint of your home as it dramatically reduces the amount of energy that you use.

Skylights or Windows With Special Coatings

This helps reduce your energy costs. Installing windows with special coatings can reduce the amount of heat your home absorbs during the summer, which means you will need less energy to cool it down. Skylights are installed in areas where natural light is not present, allowing more light to enter your home without using any electricity.

Additional Insulation in Your Home

This helps reduce the amount of energy needed to heat and cool your home. When your home is well insulated, whether with attic insulation or sealing improvements elsewhere, it will be much easier for you to maintain the proper temperature in every room without overworking your HVAC equipment.

New Water-Saving Fixtures & Appliances

Another great way to make your home more energy efficient is installing new water-saving fixtures and appliances. When you update your plumbing equipment, you will notice a significant decrease in the amount of energy that it takes to keep your water hot throughout the day. In addition to updating your plumbing system, using more efficient dishwashing machines and laundry washers can help lower your monthly water bill as well.

Taking Your Home Off the Electrical Grid

This is a great way to save money on your monthly energy bills. When you take your home off the electrical system, you rely far less on electricity for heating and cooling. You can achieve this by installing solar panels that allow you to produce your power during the day. Upgrading your home to be more energy efficient is a great way to save money on your monthly energy bills. It also helps the environment by reducing the amount of pollution produced. Many different improvements can be made, but new HVAC equipment, windows, insulation, water-saving fixtures, and appliances are some of the more popular options.
The only place to get a truly free credit report is AnnualCreditReport.com. You can receive one from each credit-reporting bureau – TransUnion, Equifax and Experian – every year. It's best to stagger your three reports throughout the year. For example, get your TransUnion report in January, Equifax in May and Experian in September.

Still have questions?

Ask a question right now.

Ask a Question
Energy efficiency tax breaks let you go green and save bucks Going green in St. Louis isn't only a way to save the planet. It can also help you accom... Read

Go Green today

Apply Now!

APR = Annual Percentage Rate. Rate based on member creditworthiness. Lowest rate cited is as of Jan. 3, 2023, and is subject to change. Contact the credit union for complete details.