Tri-County EMC customers, North Carolina · Loan
ElecTel Energy Efficient Loan (Tri-County EMC members)
Run by ElecTel Cooperative Federal Credit Union
Tri-County 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 Tri-County 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 Tri-County EMC members.
- Apply for an Energy Efficient Loan online or by phone (1-800-849-5600).
- Hire your contractor and complete the upgrade.
Forms and instructionsTri-County EMC Energy Efficiency 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 (Tri-County EMC members) pay?
Up to $30,000 loan.
Do I need to be a Tri-County EMC customer?
Yes. It’s only for homes in Tri-County 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.
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