<img height="1" width="1" style="display:none" src="https://www.facebook.com/tr?id=827015880826282&amp;ev=PageView&amp;noscript=1">
Skip to content
  • There are no suggestions because the search field is empty.

Green Light Your Home Energy Improvements

Print this Page/Save as PDF

Smart-E Loans provide affordable financing to upgrade your home through energy use improvements.


Year Terms

5.99% F

Annual Percentage Rate (APR)

7.49% F

Annual Percentage Rate (APR)

Smart Green Loan Solutions

Get your green on! We’ve partnered with the Connecticut Green Bank and local businesses to offer long-term, low-interest financing for home energy improvement projects.

Personal Loans
Name Limit Term APR*
Personal Unsecured / Debt Consolidation $15,000 36 Months 9.99% F
$15,000 72 Months 10.99% F
$20,000 36 Months 10.99% F
$20,000 72 Months 11.99% F
$25,000 36 Months 11.99% F
$25,000 72 Months 12.99% F
Savings Secured $100,000 12 - 60 Months Savings Rate +3% (V)
Smart-E Loan - Max APR 5 Years 5.99% F
7 Years 5.99% F
10 Years 6.99% F
Smart-E Loan 12 Years 7.49% F
Apply for a Smart-E Loan


Eligibility Requirements 

Eligible Projects

You can use your Smart-E Loan to finance a variety of projects. Here are just a few:

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

You can also check out the complete list of eligible improvement projects.


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 green loan specialists.


Get 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 Preapproved with Mutual Security Credit Union

Apply for a Green Loan with Mutual Security Credit Union before your contractor begins work on the project.

4. Close Your Green 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 5.99% is approximately $19,00. 

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.