Lumbee River EMC customers, North Carolina · Loan
ElecTel Energy Efficient Loan (Lumbee River EMC members)
Run by ElecTel Cooperative Federal Credit Union
Lumbee River EMC members can finance heat pumps, water heaters, insulation, windows, doors and other efficiency or solar upgrades through ElecTel Cooperative Federal Credit Union: low fixed rates, up to 100% of the cost, loans up to $30,000.
Amounts
How much you get
Loan up to $30,000, financing up to 100% of the purchase price including taxes and installation, at low fixed rates with flexible terms.
Eligibility
Do I qualify?
You need to meet all 3 of these.
Member of Lumbee River EMC (which makes you eligible to join ElecTel Cooperative Federal Credit Union).
Primarily for owners of the home: single-family homes, duplexes and owner-occupied condominiums.
You must join ElecTel Cooperative Federal Credit Union and qualify for the loan.
What to doJoin ElecTel (open to members of the co-op) and apply for an Energy Efficient Loan.
Equipment
What equipment counts
Applying
How to apply
You apply online.
- Join ElecTel Cooperative Federal Credit Union.
Membership is open to Lumbee River EMC members and can start at $1.
- Apply for an Energy Efficient Loan online or by phone (1-800-849-5600).
- Hire your contractor and complete the upgrade.
Forms and instructionsLumbee River EMC Energy-Efficient Loans
Questions about applying1-800-849-5600
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 ElecTel Energy Efficient Loan (Lumbee River EMC members) pay?
Up to $30,000 loan.
Do I need to be a Lumbee River EMC customer?
Yes. It’s only for homes in Lumbee River EMC customers, North Carolina. See Do I qualify for the details.
Do renters qualify?
Primarily for owners of the home: single-family homes, duplexes and owner-occupied condominiums.
Do I need approval before I buy?
You must join ElecTel Cooperative Federal Credit Union and qualify for the loan. Join ElecTel (open to members of the co-op) and apply for an Energy Efficient Loan.
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.
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