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Energy Efficiency and Renewable Energy Loans

Energy Efficiency Loan


Take advantage of Cobb EMC’s Energy Efficiency Loan and get more value from your energy dollars. Invest in energy efficient improvements now and reap the benefits of a more comfortable home and money and energy saved for years to come. Cobb EMC and GEMC Federal Credit Union have partnered to offer you a fast and economical way to finance energy efficient home improvements. Apply today!

Loan Information
  Loan Amount
  Minimum Rate

  $500 - $3,000

  7.9% APR1

  Up to 24 months

  $3,001 - $7,500

  7.9% APR1

  25 to 60 months

  $7,501 - $25,0002

  6.5% APR1

  61 to 120 months


Loan requirements
  • Electric service from Cobb EMC
  • Good credit history
  • Proof of income
  • A site-built home (not a manufactured home)
  • Energy efficient improvements only
  • All improvements will be verified by a Cobb EMC representative before the check is presented


Eligible improvements*
  • Weatherization/infiltration
  • Floor/wall/attic insulation
  • Envelope sealing
  • ENERGY STAR windows and doors  
  • ENERGY STAR qualified heating and cooling equipment
  • Split system Air source heat pumps must be 14.5 SEER or more, package systems 14 SEER or greater
  • Air conditioners, split systems 14.5 SEER or greater, package 14 SEER or greater
  • Furnace efficiency level must be 90% AFUE or greater
  • Duct sealing
  • Duct insulation
  • ENERGY STAR-qualifed metal or shingled roofing
  • Water heating
  • Heat pump water heaters (GE/Rheem)
  • Solar water heating systems (System must be certified by the Solar Rating and Certification Corporation)
  • Solar PV systems

  *Subject to good credit history, inspection and approval of a Cobb EMC Representative


How do I start?

Determine the ENERGY STAR-qualified improvements you want to make to your home and obtain an estimate from one of Cobb EMC's approved contractors. Then complete a simple GEMC Federal Credit Union loan application online or print the application.

Mail your completed application to GEMC FCU P.O. Box 450449, Atlanta, GA  31145-0449. Once your completed application is received, it is generally processed within 24-48 hours. Your monthly loan payment will be billed on your Cobb EMC bill and will be applied to your Energy Matters Efficiency Loan.


1 APR:  Annual Percentage Rate. The APR shown above has been discounted by 1.0% and applies to borrowers who elect on-bill payments through Cobb EMC or who elect to pay their loan bill using automatic bank draft.  
• Term 24 months; estimated monthly payment of $45.19 per $1,000 borrowed.
• Term 60 months; estimated monthly payment of $20.24 per $1,000 borrowed.
• Term 84 months; estimated monthly payment of $14.86 per $1,000 borrowed.

Loan closing cost is $65, payable at loan closing.

Loan qualification is subject to assessment of individual creditworthiness and our underwriting standards. All Credit Union loan programs, rates, forms and conditions are subject to change at any time without notice. Subject to certain conditions, loan default rate may be 16.9% APR.  Please speak to your GEMC FCU loan representative for available term options. 

2 Using collateral under Article 9, Uniform Commercial Code, which generally applies to any transaction intended to create a security interest in property improvements or fixtures and not the real estate.




Approved Contractor
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