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Energy Loans

Stay warm and save money with an affordable Energy Loan from 802 Credit Union. Perfect for financing home heating costs, fuel pre-buys, or larger energy-efficient upgrades.

  • Finance heating fuel, stoves, furnaces, insulation, or solar installations
  • Borrow for small seasonal needs or larger home energy investments
  • Quick, local approval process from a Vermont-based credit union you can trust
  • Competitive rates and flexible repayment terms
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One loan, many energy solutions

Overview

What is an Energy Loan?

An Energy Loan helps you manage seasonal heating expenses or make energy-efficient upgrades to your home. Use it to pre-buy your winter fuel, replace a furnace, install a pellet or wood stove, upgrade insulation, or even invest in solar panels. With flexible terms and lower rates, it’s an affordable way to keep your home comfortable and your budget steady year-round.

You can borrow the amount you need for your heating or energy project and repay it over time with predictable, affordable monthly payments. Whether your goal is to lock in a lower fuel rate or make a long-term energy investment, 802 Credit Union is here to help you stay warm and save money.

Apply Now Become a Member

Today’s Rates

All Rates Effective April 1, 2025

Member-Focused. Locally Rooted.

Warm Homes Start with Smart Financing

From heating fuel to home energy upgrades, 802CU makes it easy to stay comfortable and save.

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LOAN Benefits

Affordable Financing for a More Efficient Home

Flexible Financing Options

Borrow for fuel pre-buys or larger projects like solar panels, stoves, or home insulation—all at competitive rates.

Save More on Winter Heating

Manage or pre-pay your heating costs and avoid seasonal price spikes.

Lower Rates for Energy Efficiency

Enjoy lower interest rates designed to support responsible, energy-focused investments.

Fast Local Decisions

Get quick approvals and personal support from your neighbors at 802 Credit Union.

Frequently Asked Questions

Have Questions? Let Us Help!

  • How do I change my name on my account?

    Once you have changed your name with Social Security, you will need to complete a membership change card. If you choose to add a joint owner, you can do so at the same time. Once we have the signed application with a copy of your updated identification, we will change your name on our system and place an order for new checks and VISA®/debit cards.

  • How do I remove a signer from my account?

    The joint owner can sign a membership change card that instructs us to remove their name, or we can close your existing account by opening a new account and transferring funds.

  • What is the routing/ABA number I should use?

    Our routing number is 211690911.

  • How do I order checks?

    First-time check orders must be done through the branch. If you are reordering checks with no changes, you can reorder them online through Harland Clarke.

  • Why haven’t I received a 1099 for interest earned?

    The IRS does not require a financial institution to issue a 1099 for accounts that earn less than $10 in a given year. If your account did earn more than $10 and you have not received a 1099, please call us during business hours.

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More Than a Member

As a member-owner, you’re doing more than banking. You’re building a better financial future with a credit union that puts you first.

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Testimonials

Hear From Our Members!

Real stories from real people who’ve found their financial home.

I recently moved to Vermont and was looking for a new financial institution. Several people recommended 802 Credit Union. Kim helped me set up my accounts, my direct deposit and got me started with online banking. She showed me how to use Bill Pay, which I never used at my previous bank. What a huge convenience! I highly recommend 802 Credit Union and all the staff at the Windsor branch.

Sarah

Windsor, VT

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