Berkeley Electric Cooperative - Energy Efficiency Loan Programs
Administered by: Berkeley Electric Cooperative
Quick Summary
You can borrow up to $20,000 at 5% interest to upgrade your home's energy efficiency—such as insulation, air sealing, heat pumps, or HVAC systems—with monthly payments added to your electric bill. Berkeley Electric will send a certified energy auditor to evaluate your home and recommend improvements, then provide a list of approved contractors; you must implement all recommended measures to qualify. To apply, you must be a member for at least 12 months, and the improvements should pay for themselves within 6 years through lower energy bills.
AI-generated summary • Updated 7/12/2026
Program Details
- Program ID
- 2193
- Last Updated
- 5/14/2024
Eligibility
Program Summary
Berkeley Electric Cooperative provides HomeAdvantage Loans to qualifying homeowners for energy efficiency upgrades to residences. Measures typically include air infiltration measures, insulation measures, duct work leakage, air flow improvement and HVAC system upgrades. Loans of up to $20,000 are available through this offering and must produce a reasonable return on investment as determined by Berkeley Electric Cooperative. Typically, measures must produce adequate savings to repay the loan within 6 years.
The program web site contains a loan calculator that interested customers can use to determine a projected monthly loan payment. Energy auditors will review the home and create a recommended plan for weatherization and efficiency upgrades.
Customers who wish to use the HomeAdvantage loan must undertake all of the recommended upgrades. Should a customer wish to only implement some of the measures, they may take advantage of the Energy Advance Loan Program offered in partnership with Farmers & Merchant Bank. This loan program is more flexible but has interest rates will vary. Contact BEC for information on the program or visit the program web site listed above.
Contact & Resources
Please verify current program details with the administering agency before making any financial decisions.