Baldwin EMC customers, Alabama · Loan
Energy Efficiency Loan Program (Baldwin EMC and MAX Credit Union)
Run by Baldwin EMC (lender MAX Credit Union)
Baldwin EMC members can finance heat pumps, insulation, air sealing, heat pump water heaters, windows, doors and other efficiency upgrades with low-interest loans from MAX Credit Union.
Amounts
How much you get
Loan from MAX Credit Union of $2,000 to $20,000 when a heat pump is included, with terms up to 10 years (5 years without a heat pump). The amount depends on which of these fits your install.
| What you install | You get |
|---|---|
| 000, terms up to 5 yearsWithout a heat pump: from $2 | N/A |
| 000 to $20,000, terms up to 10 yearsIncluding a heat pump: $2 | $20,000 |
Eligibility
Do I qualify?
You need to meet all 5 of these.
Baldwin EMC member with at least one year of service, in good standing.
You must own the home.
An energy efficiency audit by a qualified co-op employee or contractor must be done before applying.
What to doCall Baldwin EMC at 251-989-6247 to get an energy audit by the co-op or a contractor it designates.
All installations and improvements must be done by a licensed contractor.
What to doHire a licensed contractor for the work.
Subject to MAX Credit Union approval, including income and credit score requirements.
Equipment
What equipment counts
Applying
How to apply
You apply online. Get approved before you buy anything.
- Get an energy audit from Baldwin EMC or a contractor it designates.
- Apply with MAX Credit Union.
Scan the QR code on Baldwin EMC's page or visit mymax.com/energyloans-baldwin.
- Have a licensed contractor do the work.
- Repay MAX Credit Union.
Forms and instructionsMAX Credit Union: Energy Efficiency Loans (Baldwin EMC members)
Questions about applying251.989.6247
Stacking
Use it with
You can get these too.
Baldwin EMC customers, Alabama
Heat Pump Rebate Program (Baldwin EMC)
Up to $700 back
Baldwin EMC pays heat pump rebates by size, from $350 to $1,750 for dual fuel, $300 to $1,750 for 15 or 16 SEER mini-splits, and $400 to $2,000 for replacing an electric furnace in an existing manufactured home, after a Manual J load calculation and co-op inspection.
Checked Oct 26, 2026
Your address
Next steps
Check that it covers your address. This program has to approve you before you buy anything, so start with the program, not a contractor quote.
Is it available at your address?
Before anything else
Call Baldwin EMC at 251-989-6247 to get an energy audit by the co-op or a contractor it designates.
Your quote request is in If a contractor we work with serves your ZIP, they can contact you. We take one request per person; contact us to change it.
Get an email if this program changes
We'll write if its amount, status or deadline changes. Nothing else.
FAQ
Questions
How much does Energy Efficiency Loan Program (Baldwin EMC and MAX Credit Union) pay?
$20,000 to $20,000, depending on what you install. The table under How much you get lists each amount.
Do I need to be a Baldwin EMC customer?
Yes. It’s only for homes in Baldwin EMC customers, Alabama. See Do I qualify for the details.
Do renters qualify?
You must own the home.
Do I have to use a contractor?
Yes. All installations and improvements must be done by a licensed contractor.
Do I need approval before I buy?
Yes. Apply before you buy or install anything; purchases made first don’t qualify. An energy efficiency audit by a qualified co-op employee or contractor must be done before applying. Call Baldwin EMC at 251.989.6247 to get an energy audit by the co-op or a contractor it designates.
Can I combine it with other rebates?
Yes, with Heat Pump Rebate Program (Baldwin EMC). See Use it with.
Is it still available?
Yes. It was open when we last checked, on October 26, 2026.
Plain words
Words used on this page
References
Sources
This page is built from these official pages, run by the program itself.
- Baldwin EMC: Energy Efficiency Loan Program
- MAX Credit Union: Energy Efficiency Loans (Baldwin EMC members)
When one of these pages changes, we re-check this page against it.
Nearby
More in Alabama
All of Alabama
Alabama Weatherization Assistance Program
Work done at no cost
Free energy-efficiency work for low-income Alabama households, based on an energy audit of the home, delivered by community action agencies in all 67 counties. Household income must be at or below 200% of the federal poverty level; elderly and disabled residents and families with young children are served first.
Checked Oct 26, 2026
Albertville Municipal Utilities Board customers, Alabama
Albertville MUB Electric Water Heater Credit
$100
Albertville MUB electric customers get a $100 power bill credit for an electric water heater of 38 gallons or larger, whether switching from gas or replacing a failed electric unit.
Checked Oct 26, 2026
Madison, Alabama
CDBG Home Rehabilitation Program (City of Huntsville)
Amount varies
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Checked Oct 26, 2026