Pioneer Electric Cooperative customers, Alabama · Loan
Energy Efficiency Loan Program (Pioneer Electric and MAX Credit Union)
Run by Pioneer Electric Cooperative (lender MAX Credit Union)
Pioneer Electric members can borrow $2,000 to $10,000 for weatherization, or up to $20,000 with a heat pump, from MAX Credit Union, with terms up to 10 years and no origination fees, after a Pioneer energy advisor visit.
Amounts
How much you get
Loan from MAX Credit Union of $2,000 minimum, up to $10,000 for weatherization only (up to 5 years) or $20,000 when a heat pump is included (up to 10 years). The amount depends on which of these fits your install.
| What you install | You get |
|---|---|
| 000 to $10,000, up to 5 yearsWeatherization only: $2 | $10,000 |
| 000 to $20,000, up to 10 yearsIncluding a heat pump: $2 | $20,000 |
Eligibility
Do I qualify?
You need to meet all 4 of these.
Pioneer Electric Cooperative member.
A Pioneer energy advisor must first help identify the improvements; this step is required for the loan.
What to doCall Pioneer Electric and ask for the Energy Efficiency Loan Program; an energy advisor will identify improvements.
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 credit approval; work must be finished within 90 days of loan approval.
Equipment
What equipment counts
Applying
How to apply
Work must be complete within 90 days of loan approval. Get approved before you buy anything.
- Call Pioneer Electric and ask about the Energy Efficiency Loan Program.
A Pioneer energy advisor helps identify the improvements. Required for the loan.
- Apply online with MAX Credit Union.
- If approved, hire a licensed contractor and finish the work within 90 days.
- Call Pioneer for a final inspection.
- MAX pays the contractor; you repay MAX monthly.
Forms and instructionsPioneer Electric: Contact us
Stacking
Use it with
You can get these too.
Pioneer Electric Cooperative customers, Alabama
Heat Pump Rebates (Pioneer Electric Cooperative)
Up to $400 back
Pioneer Electric pays up to $350 per ton for dual fuel or mini-split heat pumps in site-built homes, up to $400 per ton to replace an electric furnace with a heat pump in an existing manufactured home, and covers the heat pump upgrade cost 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 Pioneer Electric and ask for the Energy Efficiency Loan Program; an energy advisor will identify improvements.
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 (Pioneer Electric 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 Pioneer Electric Cooperative customer?
Yes. It’s only for homes in Pioneer Electric Cooperative customers, Alabama. See Do I qualify for the details.
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. A Pioneer energy advisor must first help identify the improvements; this step is required for the loan. Call Pioneer Electric and ask for the Energy Efficiency Loan Program; an energy advisor will identify improvements.
What’s the deadline?
No fixed deadline. Apply any time while it’s open.
Can I combine it with other rebates?
Yes, with Heat Pump Rebates (Pioneer 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
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Checked Oct 26, 2026
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Checked Oct 26, 2026
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Checked Oct 26, 2026