Coastal Electric Cooperative customers, Georgia · Loan
HomePlus Energy Efficiency Loan (Coastal Electric Cooperative)
Run by Coastal Electric Cooperative, with GoEnergy Financial Credit Union
Coastal Electric Cooperative members can finance ENERGY STAR heat pumps, air conditioners, heat pump water heaters, solar water heaters, windows, roofs, major appliances, ductwork and insulation with a HomePlus loan from GoEnergy Financial Credit Union, with the lowest rate for automatic bank draft.
Amounts
How much you get
A loan from GoEnergy Financial Credit Union for qualifying energy-efficiency improvements. The lowest interest rate requires repayment by automatic bank draft. Loan amounts, rates and terms aren't published on the co-op's page.
Eligibility
Do I qualify?
You need to meet all 3 of these.
Coastal Electric Cooperative member. Borrowers also become members of GoEnergy Financial Credit Union.
The credit union's loan officer approves or declines the loan.
Items not on the list need prior approval from Coastal Electric Cooperative.
What to doCall Coastal Electric at (912) 884-3311 before applying for an unlisted item.
Equipment
What equipment counts
The program sets these minimums.
Heat pumps, air conditioners, heat pump water heaters, solar water heaters, windows, roofs and appliances must be ENERGY STAR rated. A gas furnace must be ENERGY STAR rated unless it is the auxiliary heat for a dual fuel heat pump.
Applying
How to apply
You apply online.
- Apply online.
The application goes straight to a loan officer at GoEnergy Financial Credit Union, (888) 959-7132.
- Get the decision.
If approved, the credit union notifies Coastal Electric and a co-op staff member calls you to start on the project. If not, the loan officer calls you and follows up with a letter.
- Make the improvements and repay the loan.
Automatic bank draft gets the lowest rate.
Forms and instructionsPrograms & Services (Coastal Electric Cooperative)
Questions about applying(912) 884-3311
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 HomePlus Energy Efficiency Loan (Coastal Electric Cooperative) pay?
Amount not published. A loan from GoEnergy Financial Credit Union for qualifying energy-efficiency improvements. The lowest interest rate requires repayment by automatic bank draft. Loan amounts, rates and terms aren't published on the co-op's page.
Do I need to be a Coastal Electric Cooperative customer?
Yes. It’s only for homes in Coastal Electric Cooperative customers, Georgia. See Do I qualify for the details.
Do I need approval before I buy?
Items not on the list need prior approval from Coastal Electric Cooperative. Call Coastal Electric at (912) 884-3311 before applying for an unlisted item.
Is it still available?
Yes. It was open when we last checked, on October 27, 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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Georgia Energy Investment Fund (GEIF) home energy loans
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Low-interest loans of $3,000 to $50,000 for home energy efficiency improvements in Georgia, run by GEFA with the National Energy Improvement Fund. Every project includes a home energy assessment; start by filling out NEIF's Request for Energy Assessment form.
Checked Oct 27, 2026
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Home Efficiency Rebates (HER), Georgia's Home Energy Rebates
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Georgia's whole-home efficiency rebates. A program-approved contractor does an energy assessment and plans upgrades that cut the home's energy use by at least 20%; the rebate covers up to 98% of the cost (up to $16,000) for households under 80% of area median income, and up to 50% (up to $4,000) for everyone else. No income limit.
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Weatherization Assistance Program (Georgia)
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Free whole-house weatherization (energy audit, air and duct sealing, insulation, heating and cooling improvements) for Georgia households with income at or below 200% of the federal poverty level, through the community action agency that serves your county. Owners and renters in single-family, manufactured and multifamily homes can apply.
Checked Oct 27, 2026