Smart-E Loans

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.

Loan Terms and Rates:


Maximum APR*

5 Year


7 Year


10 Year


12 Year


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 2.99% APR* is available for a limited time and makes upgrading your home easy. To learn more about Smart-E Bundles click here.

*APR=Annual Percentage 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 may apply.



What Types of Home Improvements Can You Finance with Smart-E?


Smart-E Loan*

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 Bundles
Home Energy Solutions Core Service Bundle
Solar PV Bundle
Insulation Bundle

*Get a complete list of eligible improvements.

How to Get Started with Smart-E


  1. Find a Contractor to discuss your energy improvements.
    If your contractor is not on this list, have them contact to get approved.
    Using multiple contractors? Select one to act as your general contractor. They will help facilitate this process for you.

  2. Select your home improvement or bundle.
    Your contractor will work with you to be sure the improvements meet our eligibility requirements.

  3. Get pre-approved with Mutual Security Credit Union.
    Apply directly with Mutual Security Credit Union before your contractor begins the project.

  4. Close your loan.
    We will reach out to schedule loan closing once the project is approved.


Eligibility Requirements



  • Property must be located in Connecticut


  • Property must be owner-occupied


  • Property must be a 1 to 4 unit residential building


  • Condominiums must be individually metered



  • Call 800-761-2400 to speak with one of our loan specialists.