Haywood EMC customers, North Carolina · Loan
Heat Pump Weatherization Loan (Haywood EMC)
Run by Haywood EMC with ElecTel Cooperative Federal Credit Union
Haywood EMC members can borrow up to 100% of the cost of a heat pump or weatherization upgrades through ElecTel Cooperative Federal Credit Union, with approved credit.
Amounts
How much you get
Low-interest loan from ElecTel Cooperative Federal Credit Union for up to 100% of the project cost, with an approved credit check. No rate or dollar limit is published on Haywood EMC's page.
Eligibility
Do I qualify?
You need to meet all 2 of these.
Haywood EMC member.
Approved credit check with ElecTel.
Equipment
What equipment counts
Applying
How to apply
Follow these steps.
- Decide on the improvements and get an estimate from a contractor.
Haywood EMC provides a list of licensed HVAC contractors.
- Apply to ElecTel online or by calling (800) 849-5600.
Applications are generally processed within 24 hours.
- After the work is done, sign the loan documents.
The check is made payable to you and the contractor.
Forms and instructionsHeat Pumps
Questions about applying(800) 849-5600
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 Heat Pump Weatherization Loan (Haywood EMC) pay?
Low-interest loan from ElecTel Cooperative Federal Credit Union for up to 100% of the project cost, with an approved credit check. No rate or dollar limit is published on Haywood EMC's page.
Do I need to be a Haywood EMC customer?
Yes. It’s only for homes in Haywood EMC customers, North Carolina. See Do I qualify for the details.
Is it still available?
Yes. It was open when we last checked, on October 25, 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
More in North Carolina
All of North Carolina
Home Electrification and Appliance Rebates (HEAR)
Up to $14,000
Instant discounts of up to $14,000 per household on heat pumps, heat pump water heaters, electric cooking, heat pump dryers, insulation and air sealing, panels and wiring, for North Carolina households up to 150% of area median income, through a Registered Contractor.
Checked Oct 25, 2026
All of North Carolina
Homeowners Managing Efficiency Savings (HOMES)
Up to $16,000 back
Rebates of up to $16,000 for whole-home energy upgrades (insulation, air sealing, heating and cooling, water heaters, windows, appliances) that save at least 20% of a home's modeled energy use, for North Carolina households up to 150% of area median income.
Checked Oct 25, 2026
All of North Carolina
Weatherization Assistance Program
Work done at no cost
Free home energy audit and upgrades (air sealing, insulation, duct sealing, heating and cooling tune-up, repair or replacement, and safety measures) for North Carolina homeowners and renters with incomes below 200% of the federal poverty level, through local weatherization agencies.
Checked Oct 26, 2026