Farmers RECC customers, Kentucky · Loan
How$mart Program
Run by Farmers RECC
Farmers RECC members can have energy efficiency upgrades paid for up front and repay them through a monthly charge on their electric bill that must be less than 90% of the estimated savings.
Amounts
How much you get
No up-front cost: the co-op pays for approved measures and recovers the cost through a Retrofit Project Charge on each electric bill, set below 90% of estimated savings. No loan size or rate is published.
Eligibility
Do I qualify?
You need to meet all 2 of these.
Farmers RECC member on a residential rate.
Owners or tenants can apply (the tariff defines the member as owner or tenant; the repayment stays with the property).
Equipment
What equipment counts
Applying
How to apply
You apply by phone.
- Call Farmers RECC at 270-651-2191.
- Get a Conservation Plan.
The co-op or its agent estimates savings and recommends measures.
- Measures are installed with no up-front payment.
- Repay through a monthly charge on your bill.
Forms and instructionsFarmers RECC Kentucky Energy Retrofit Rider (How$mart tariff)
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 How$mart Program pay?
No up-front cost: the co-op pays for approved measures and recovers the cost through a Retrofit Project Charge on each electric bill, set below 90% of estimated savings. No loan size or rate is published.
Do I need to be a Farmers RECC customer?
Yes. It’s only for homes in Farmers RECC customers, Kentucky. See Do I qualify for the details.
Do renters qualify?
Owners or tenants can apply (the tariff defines the member as owner or tenant; the repayment stays with the property).
Is it still available?
Yes. It was open when we last checked, on October 28, 2026.
What happens if I move?
The repayment stays with the home. The tariff assigns it to the premises, so it survives changes in ownership or tenancy.
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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