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Mutual Security has partnered with Energize CT and
several local businesses to provide long-term, low-interest financing and
special discounts on everyday products and services to help you upgrade your
home’s energy performance.
Two Ways to Save!
Smart-E Loan: Almost any home
improvement project that reduces energy use and lowers costs may qualify for
a Smart-E loan – from solar PV to HVAC, natural gas conversions to
insulation. You can also use up to 25% of your loan for non-energy related
measures and healthy home improvements such as new ENERGY STAR®
appliances, asbestos or lead removal and roof repairs.
Smart-E Bundle Loan:
Take your home improvement project to the
next level by bundling two or more qualifying home upgrades. This special
rate as low as 0.99% APR* is available for a limited time and makes
upgrading your home easy. To
learn more about Smart-E Bundles
Rate. 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
What Types of Home
Improvements Can You Finance with Smart-E?
Smart-E Bundle Loan*
Central Air Conditioning
High Efficiency Furnace/ Boiler
Heat Pump Water Heater
Solar PV System
Electric Vehicle Charging Station
High Efficiency HVAC
Home Energy Solutions Core Service Bundle
Solar PV Bundle
of eligible improvements.
How to Get Started
Find a Contractor to
discuss your energy improvements.
If your contractor is not on this list, have them contact firstname.lastname@example.org
to get approved.
Using multiple contractors? Select one to act as your general
contractor. They will help facilitate this process for you.
Select your home
improvement or bundle.
Your contractor will work with you to be sure the improvements meet our
Get pre-approved with
Mutual Security Credit Union.
Apply directly with Mutual Security Credit Union before your contractor
begins the project.
Close your loan.
We will reach out to schedule loan closing once the project is approved.
Property must be located in
Property must be owner-occupied
Property must be a 1 to 4 unit
Condominiums must be individually
Call 800-761-2400 to speak with one of our loan
to find a contractor or to get a
of eligible improvements.
Pre-qualification Mortgage Application
Network Opt-Out Form
Transfer Request Form
ATM Card Application
ATM/VISA Check Card
Change of Address Form
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