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Smart-E Loans

Long-term, low-interest financing to help you upgrade your home.

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5 - 15

5 - 15

Year Terms



Annual Percentage Rate
for Five-Year Term



Annual Percentage Rate
for 12-15 Year Terms

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Smart Home Loan Solutions

We’ve partnered with the Connecticut Green Bank, and several local businesses, to provide long-term, low-interest financing for home energy improvement projects.

Loan Terms and Rates: 

Term Maximum Annual Percentage Rate
5 Year 4.49%
7 Year 4.99%
10 Year 5.99%
12 or 15 Year 6.99%






Apply for a Smart-E Loan

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Eligibility Requirements

Eligible Projects:

  • Insulation
  • Central Air Conditioning
  • High Efficiency Furnace/ Boiler
  • Heat Pump Water Heater
  • Solar PV System
  • Electric Vehicle Charging Station

Project not listed? Check out the complete list of eligible improvements.

Eligible Properties:

  • Property must be owner-occupied in Connecticut
  • 1 to 4 unit residential building
  • Condominiums must be individually metered

Additional requirements may apply.  Call 800-761-2400 ext. 2459 to speak with one of our loan specialists.

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Getting Started

  1. Find a Contractor
    Choose an approved contractor to work with, or have your contractor reach out to the Connecticut Green Bank to get approved.  If you’re using multiple contractors, select one to facilitate the process as your general contractor.
  2. Select Your Home Improvement Project
    Your contractor can help ensure your improvements meet the Connecticut Green Bank's eligibility requirements.
  3. Get pre-approved with Mutual Security Credit Union
    Apply directly with Mutual Security Credit Union before your contractor begins work on the project.
  4. Close Your Loan
    Your contractor will submit the project to the Connecticut Green Bank.  Once approved, we’ll reach out to schedule a loan closing.    

*APR = Annual Percentage Rate. Additional terms and rates are available. May not be combined with other promotional rates or offers. APR is based on creditworthiness, loan terms and project acceptance by the CT Green Bank Smart-e program. Sample monthly payment per $1,000 borrowed for 60 months at 4.49% is approximately $18.64. Membership in MSCU is required with a minimum $5 deposit into a Membership Account. Smart-e Loans offer long-term, low interest financing to help Connecticut residents access affordable home energy improvements. Program is available for 1 to 4 family owner occupied dwellings. Please note that the interest rates shown here are available to borrowers with a satisfactory credit history. Subject to other terms and conditions. Other restrictions may apply.

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