Covington Electric Cooperative customers, Alabama · Loan
Residential Energy Efficiency Loan Program (Covington Electric Cooperative, PowerSouth and MAX Credit Union)
Run by Covington Electric Cooperative (lender MAX Credit Union)
Covington Electric Cooperative homeowners with a year of service can borrow $2,000 to $10,000, or up to $20,000 with a high-efficiency heat pump, from MAX Credit Union for insulation, doors, windows and heat pumps.
Amounts
How much you get
Low-interest loans from MAX Credit Union, from $2,000 up to $10,000, or up to $20,000 with weatherization improvements that include a new high-efficiency heat pump. The amount depends on which of these fits your install.
| What you install | You get |
|---|---|
| 000 to $10,000Weatherization: $2 | $10,000 |
| 000With weatherization including a new high-efficiency heat pump: up to $20 | $20,000 |
Eligibility
Do I qualify?
You need to meet all 4 of these.
CEC member for at least one year, in good standing. Not available to businesses.
You must own the residence.
Call CEC first to verify eligibility and get application instructions.
What to doCall CEC to confirm eligibility before applying with MAX Credit Union.
Approval by MAX Credit Union isn't guaranteed.
Equipment
What equipment counts
Applying
How to apply
You apply by phone. Get approved before you buy anything.
- Get a free estimate from a licensed contractor.
Helps you decide how much to request.
- Call CEC to confirm eligibility and get instructions.
- Apply by phone with MAX Credit Union.
- If approved, complete the paperwork and hire the contractor.
- Make monthly payments to MAX Credit Union.
Stacking
Use it with
You can get these too.
Covington Electric Cooperative customers, Alabama
Residential Heat Pump Rebates (Covington Electric Cooperative)
Up to $400 back
Covington Electric Cooperative pays $300 to $350 per ton for mini-split and dual fuel heat pumps in site-built homes, $400 per ton to replace an electric furnace in a manufactured home, and covers the heat pump upgrade in a new manufactured home.
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 CEC to confirm eligibility before applying with MAX Credit Union.
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 Residential Energy Efficiency Loan Program (Covington Electric Cooperative, PowerSouth and MAX Credit Union) pay?
$10,000 to $20,000, depending on what you install. The table under How much you get lists each amount.
Do I need to be a Covington Electric Cooperative customer?
Yes. It’s only for homes in Covington Electric Cooperative customers, Alabama. See Do I qualify for the details.
Do renters qualify?
You must own the residence.
Do I need approval before I buy?
Yes. Apply before you buy or install anything; purchases made first don’t qualify. Call CEC first to verify eligibility and get application instructions. Call CEC to confirm eligibility before applying with MAX Credit Union.
Can I combine it with other rebates?
Yes, with Residential Heat Pump Rebates (Covington Electric Cooperative). 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.
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
Madison, Alabama
CDBG Home Rehabilitation Program (City of Huntsville)
Amount varies
City of Huntsville exterior home repairs, such as roofing, siding and securing doors and windows, for homeowners who are 62 or older or certified disabled with income at or below 80% of area median income. Funded by federal CDBG and HOME money, with volunteers doing much of the work.
Checked Oct 26, 2026
Jefferson County, Alabama
CDBG Housing Rehabilitation (Jefferson County)
Amount varies
Jefferson County's federally funded home repair program for income-eligible homeowners, covering HVAC, roofing, electrical, plumbing, doors and accessibility work. For homeowners at or below 80% of median household income who live in the county's HUD Consortium, which is all of Jefferson County except Birmingham, Hoover, Bessemer, Sumiton and Helena.
Checked Oct 26, 2026