Home Energy Loans Brochure

Home Energy Loan

The Home Energy Loan is an unsecured loan with an easy application and fast approval.

  • Term of 5, 12, or 15 years
  • Rates as low as 4.50% APR* ($200 origination fee, 4.93% APR* for $10,000, 10-year loan. Contact us for more information.)
  • Unsecured, with a $25,000 maximum
  • You can re-amortize the loan after receiving state and federal incentives to lower your monthly payments

Click below to apply online. You can also apply by phone at (406) 523-3300, or in person at any of our branches.

Apply Now

*APR = Annual percentage rate. All loans subject to approval. Rates vary based on creditworthiness. Rates quoted current as of November 1, 2015.

Solar Home Equity Loan

The Solar Home Equity Loan has a longer term and lower rate than the Home Energy Loan and the interest is tax-deductible. This loan is secured by your home and you can begin the process over the phone at (406) 523-3300 or in person at one of our branches.

  • Term of up to 20 years
  • Rates as low as 5.00% APR*
  • Loan interest is tax-deductible**
  • Secured by your home, with a $150,000 maximum

Visit with us today to explore the possibilities!

*APR = Annual percentage rate. All loans subject to approval. Rates vary based on creditworthiness. Rates quoted current as of June 4, 2018.
**Each tax situation is different, consult with your tax professional.

Financial Analysis of Residential Solar: A Guide for Homeowners

There are many reasons you might want to add solar panels to your home: a desire for energy independence, a commitment to low-carbon energy sources, or as a financial investment. Whatever your motivation, at some point the question comes up, “does this make sense financially?” As it turns out, there is no single answer. The financial performance of home solar is generally favorable, but it depends on the specifics of the system, your financial situation, and assumptions about the future. The goal of this report is to provide a broad understanding of the economic performance of home solar and the factors affecting it, and to provide an assessment framework for homeowners interested in solar energy.

Residential Solar Model Spreadsheet

Best Practices for Evaluating Home Solar Bids

We’ve put together a guide and worksheet below with some questions that are important to keep in mind when reviewing bids for solar energy systems. Click below to view and download.

Solar Bid Worksheet

Environmental Impact Assessment: 2017-2018

This report details Missoula Federal Credit Union’s first environmental impact assessment. It contains our management approach to environmental sustainability, a summary of our impact, and a detailed description of data and methods.

Environmental Management Plan

This Environmental Management Plan (EMP) describes how Missoula Federal Credit Union manages environmental impact. Included are a description of our general approach to environmental sustainability, our commitments to ongoing management activities, a description of the environmental issues that we are managing, and our targets for reducing our impact.