Green Home Loans
GWe offer special programs to help you invest in making your home more energy efficient and sustainable. This can save you money in the long run while helping the environment.
These loans can be used to finance:
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Heating & Cooling Systems (HVAC) like air-source and geothermal heat pumps
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Solar energy installations, on your property or through community solar
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Insulation improvements
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Energy effiencent windows, lighting or insulation
Maximum loan amounts and rates are dependent on credit score. Some loans located in Western New York are eligible for a lower rate through a NYSERDA Credit Enhancement program.
Genesee Co-op also offers special rates for purchasing electric, hybrid electric, and energy efficient cars. Please inquire with a loan officer.
State and Federal Incentives
While these upgrades may seem out of reach, state and federal & tax credits can make investing in green upgrades for your home affordable -- no matter your income. It especially makes sense if it is time for you to replace a furnace or appliance anyway. The limited extra cost can often payback quickly, and our low-cost loans can help you save money compared to financing less efficient upgrades!
You can find information on various grants and tax credits on this New York State Website:
Combine IRA Savings with State Incentives to Upgrade Your Home and Ditch Fossil Fuels
And more information and support is available in the Rochester Area through the AMPED Project, which is a partnership of New York State, the City of Rochester, Greater Rochester Clean Cities, and the Climate Solutiosn Accelerator
Our Members make the difference.
Member Since 1985
"I joined the credit union because my bank was starting to charge fees for different transactions and setting a minimum amount on how much you had to have in your account. I decided it was time to put my money where my mouth was and support local businesses. So, I opened a checking and saving account with the credit union. In 2004, I got a mortgage with them - which they helped me stay on top of when I was laid off for a short period. I have direct deposit there for work and I did open up a line of credit there many years ago; I don't use it often but it's nice to know it’s there in case I do need it. People at the credit union dress differently, they don't wear suits and they're down to earth. When I go there, it's friendly and welcoming. I like the brickwork and the fact that they have local artwork on the walls. Most of my friends already bank there."