VGreen Home Equity Loans

Large or small, our home equity loans offer a great option for financing new projects. The Energy Equity loan is great for energy efficiency or home improvements to your primary home, and longer terms to keep payments manageable.

Energy Equity Loan

This loan was designed to help finance alternative or renewable energy projects, efficiency projects or home energy improvements of any kind on your primary residence. The benefit of using the Energy Equity Loan is the lower rate and the flexibility on terms. Using the equity in your home you can eliminate the need for closing costs of a refinance and complete your energy savings projects with a loan designed to meet your unique needs. The same standard procedures apply as getting a traditional home equity loan product. Interest on this loan may be tax deductible.

Longer term options are available. Contact a Home Equity Specialist for current rates and information.




This option lets you leverage existing equity for better rates and terms.

Online Access


Fill out our free and fast paperless online application with no obligation.

Save on Closing Costs


We work with you to minimize closing costs, making it more affordable.



With fixed rates, you pay the same amount every month. No surprises!

Using the equity you already have in your home to get a discounted loan rate on energy upgrades that will most likely lower your monthly utility bills is a great financing option. Take advantage of this option today and don’t hesitate to contact a Home Equity Specialist with any questions.


To determine how much you can borrow, you first need to know the total equity in your Vermont or New Hampshire home (only Vermont properties are eligible for certain partnership programs). The equity in your home is the difference between the value of your home minus all other outstanding balances on your existing mortgage. VSECU will determine the amount of equity you can borrow using one of the following options:

1. Your current tax assessment (published property tax bill) plus a current photo of the home. This option is used when the loan amount is $200,000 or less and the combined loan to value is less than or equal to 90% (in other words, the loan is 90% of the home’s value).

2. A certified professional residential real estate appraisal report, which VSECU will order for you (appraisal fee applies). This option will be used if the loan amount is greater than $200,000 and/or the combined loan to value exceeds 90%. When using the appraisal value, you can borrow a maximum of $250,000.

The minimum amount for this loan is $5,000.


Enter the amount you wish to borrow:

as low as*
as low as*
Maximum Loan-to-Value Term (months) Estimated
Monthly Payment
Apply Now
4.25% 4.25% Less than or equal to 80% 180 Apply Now
3.75% 3.75% Less than or equal to 80% 120 Apply Now
2.74% 2.74% Less than or equal to 80% 60 Apply Now
5.25% 5.25% Greater than 80%; up to 90% 180 Apply Now
4.75% 4.75% Greater than 80%; up to 90% 120 Apply Now
3.74% 3.74% Greater than 80%; up to 90% 60 Apply Now

APR = Annual Percentage Rate. APR is effective as of 04/22/2020. Rates and APRs listed are “as low as” and may be adjusted based on individual credit standing and term. Payment information does not include amounts for taxes and insurance premiums – if applicable, actual payment obligation will be greater. Estimated monthly payments are based on a $20,000 loan. Calculated payments shown are for estimation purposes only. Actual loan payment amount will be disclosed at loan closing and may differ slightly.

Apply for an Energy Equity Loan
You can apply online for your mortgage or home equity loan right here online and in most cases qualified applicants can receive instant pre-approval. In our Mortgage Center you’ll be able to read about our Mortgage Originators, access additional resources and view all our featured rates.