South Alabama Electric Cooperative customers, Alabama · Loan
Energy Resource Conservation (ERC) Loan (South Alabama Electric Cooperative)
Run by South Alabama Electric Cooperative
South Alabama Electric Cooperative lends to homeowner members with good credit for the labor and materials of insulation, storm or thermal windows and doors, high-efficiency heat pumps and geothermal heat pumps.
Amounts
How much you get
Loan from the co-op for labor and materials; limits, rate and term aren't published.
Eligibility
Do I qualify?
You need to meet all 4 of these.
South Alabama Electric Cooperative member.
Member of SAEC for at least the previous 12 consecutive months.
Must own the home (existing structures only).
Must meet credit requirements.
Equipment
What equipment counts
Applying
How to apply
You apply online.
- Complete the ERC loan application online, or mail the PDF application.
- SAEC checks membership and credit.
- Have the work done.
Forms and instructions, including for applying by mailSAEC: Water Heater Program
Questions about applying(800) 556-2060
Stacking
Use it with
Your address
Next steps
Check that it covers your address. Then, if you want, ask for a contractor quote.
Is it available at your address?
Before anything else
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 Resource Conservation (ERC) Loan (South Alabama Electric Cooperative) pay?
Amount not published. Loan from the co-op for labor and materials; limits, rate and term aren't published.
Do I need to be a South Alabama Electric Cooperative customer?
Yes. It’s only for homes in South Alabama Electric Cooperative customers, Alabama. See Do I qualify for the details.
Do renters qualify?
Must own the home (existing structures only).
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.
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