VGreenEnergy Savings Loan Program

Local financing solutions for all of your energy efficiency and renewable investments.

How It Works1

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Work with a contractor or vendor to determine the right project or purchase for you.

Choose the VGreen product that best fits your loan needs. We’re here to help and it’s easy to apply on our website: www.vsecu.com/vgreen.

Complete your project and file for incentives, rebates, and tax credits.

Enjoy your savings and tell your friends.

Learn more:Visit www.vsecu.com/vgreen

or call 802/800 371-5162 to find out how to “go green” with VSECU.

This credit union is federally insured by NCUA. PC#3334 eff. 3/16

VSECU is committed to finding opportunities, within both our operations and business products, to promote environmentally sound choices for our employees and our member-owners.

VSECU Environmental Mission Statement October 2005

www.vsecu.com/vgreen 802/800 371-5162

If you live or work in Vermont you are eligible to become a VSECU member.

Apply online today.

Bennington 194 North Street

Berlin 365 Paine Turnpike North

Brattleboro 499 Canal Street

Burlington 86 Pearl Street

Montpelier One Bailey Avenue

St. Johnsbury 1036 Memorial Drive

Rutland 72 Seward Road

Waterbury 27 South Main Street

Williston 1755 Essex Road

Find Your Nearest Branch Location

VGreen is VSECU’s statewide financing solution for energy efficiency, renewable and alternative energy projects including green vehicles. We offer a variety of loans with discounted rates and longer terms to help you finance your efficiency and renewable projects, reducing your overall energy costs. Financing is available for a variety of energy saving projects and purchases such as:

• Solar PV Systems• Community Solar• Pellet Stoves• Windows & Doors• Home Weatherization

• Heating Systems• Heat Pumps• Appliances• Vehicles• Bicycles: including cargo and electric-assist

Maximize Your Investment All VGreen loans allow a free one-time modification to apply funds from tax credits and other incentives to the loan principal. This special feature further reduces your costs and maximizes your energy savings.

The resources below offer incentives or credits for energy efficiency projects and purchases.

Efficiency Vermont: www.efficiencyvermont.com Vermont renewable incentives: www.rerc-vt.org Federal tax credits: www.energystar.gov

Financing for Non-Residential We offer the Business Energy Loan that can be used for businesses, non-profits, multi-family buildings, churches, and more. Contact our full service commercial lending department, VBiz, at www.vsecu.com/vbiz or 802/800 371-5162.

Heat Saver Loan Program Brought to you by the Vermont Department of Public Service and Efficiency Vermont’s Efficiency Excellence Network, VSECU is participating in the Heat Saver Loan program. This state-funded program offers discounted interest rates for eligible thermal energy efficiency projects and purchases. VSECU also offers discounted interest rates on financing for eligible solar purchases through the state’s Community Solar Loan and the Windham Solar Loan programs. Visit vsecu.com/vgreen to learn more.

VGreenEnergy Savings Loan Program

Energy Improvement Loan Optionsloan type discounted rate fixed rate extended term longer amortization

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Standard

Fixed Rate Balloon

Standard Energy Improvement Loan: This loan can help you finance solar, heating systems, weatherization, heat pumps, pellet stoves, windows, doors, appliances, bicycles, and other energy efficiency purchases and upgrades.

Fixed Rate Balloon Loan: Designed to finance larger solar projects, this long-term loan has an amortization that is longer than your loan term. This special pay schedule keeps your payments low throughout the payback period, and results in a final balloon payment at the end of the loan term. The one-time VGreen loan modification is especially advantageous for reducing your loan principal, and in turn, the balloon payment.

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uity Discounted

Longer Term

Use the equity in your home to finance renewable and energy efficiency investments for savings you’ll enjoy for years. These loans are great for solar installations, heating system upgrades, and comprehensive energy renovations.

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Energy Improvement

Off-Grid

Finance an off-grid home or larger renewable and energy efficiency investments on your primary residence for long-term energy savings.

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Green Vehicle

Discounted rates and extended terms maximize your transportation investment. This loan finances the purchase of high-MPG vehicles including electric, hybrid, diesel, as well as alternative fuel (ethanol, natural gas, propane, hydrogen) powered vehicles. Available for cars and trucks only.