Access Energy Cooperative customers, Iowa · Loan
Low Interest Financing for Energy Efficiency Improvements
Run by Access Energy Cooperative
Access Energy members can borrow $500 to $10,000 (up to 80% of project cost) at 6.57% for insulation, heat pumps, water heaters, windows, doors, thermostats and other efficiency upgrades, with terms of 2 to 5 years.
Amounts
How much you get
Loan of up to 80% of project cost, $500 minimum and $10,000 maximum per member (one loan per member), at 6.57% per annum on the unpaid balance (subject to quarterly change). Terms: $500-$1,000 up to 2 years; $1,001-$2,000 up to 3 years; $2,001-$3,000 up to 4 years; $3,001-$10,000 up to 5 years. Funds are paid after the project is finished and inspected.
Eligibility
Do I qualify?
There is one rule.
Member receiving electric service from Access Energy Cooperative at the address where the equipment is installed.
Equipment
What equipment counts
Applying
How to apply
You apply online.
- Email the marketing department to apply.
The loan page links to an email form.
- Complete the project.
- Inspection, then loan funds are advanced.
Forms and instructions, including for applying by mailLow Interest Financing for Energy Efficiency Improvements - Access Energy Cooperative · Access Energy Residential Ducted Air Source Heat Pump & Mini-Split Rebate Application (July 2025)
Questions about applying1.866.242.4232 or mktg@accessenergycoop.com
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 Low Interest Financing for Energy Efficiency Improvements pay?
Loan of up to 80% of project cost, $500 minimum and $10,000 maximum per member (one loan per member), at 6.57% per annum on the unpaid balance (subject to quarterly change). Terms: $500-$1,000 up to 2 years; $1,001-$2,000 up to 3 years; $2,001-$3,000 up to 4 years; $3,001-$10,000 up to 5 years. Funds are paid after the project is finished and inspected.
Do I need to be a Access Energy Cooperative customer?
Yes. It’s only for homes in Access Energy Cooperative customers, Iowa. See Do I qualify for the details.
Is it still available?
Yes. It was open when we last checked, on October 28, 2026.
Plain words
Words used on this page
References
Sources
This page is built from these official pages, run by the program itself.
- Low Interest Financing for Energy Efficiency Improvements - Access Energy Cooperative
- Access Energy Residential Ducted Air Source Heat Pump & Mini-Split Rebate Application (July 2025)
When one of these pages changes, we re-check this page against it.
Nearby
More in Iowa
Access Energy Cooperative customers, Iowa
Electric and Heat Pump Water Heater Rebate
Up to $1,050 back
Access Energy pays up to $1,050 for a heat pump water heater and $100 for an efficient electric water heater of 40 gallons or more (tankless units don't qualify).
Checked Oct 28, 2026
Access Energy Cooperative customers, Iowa
Residential Advanced Thermostat Rebate
Amount varies
Access Energy pays up to half the cost of an ENERGY STAR advanced thermostat, up to $50, for up to two thermostats per location.
Checked Oct 28, 2026
Access Energy Cooperative customers, Iowa
Residential Ducted Air Source Heat Pump and Mini-Split Rebate
Up to $500 back
Access Energy pays $500 per ton for a ducted dual-fuel air source heat pump or ducted mini-split installed with new fossil-fuel backup, or $300 per ton when it replaces a system and keeps the existing furnace.
Checked Oct 28, 2026