Home Energy Loan

How the Program Works

Borrowers may obtain financing to make energy improvements on owner-occupied properties. Borrowers select from the list of energy upgrades included with the energy audit of their home performed by an AKWarm Certified Energy Rater. All improvements must be completed within 365 days of loan closing (improvements not listed may not be included in the loan).

Additional Considerations

  • The maximum loan amount is $30,000.
  • The maximum loan term is 15 years.
  • The interest rate is the My Home program or Rural Owner-Occupied, 15-year interest rate plus 0.5 percent. Go to interest rates.

To apply, see the Second Mortgage program for energy conservation form and instructions.


Alaska USA Federal Credit Union
Real Estate Telephone Loan Center (RETLC)
P.O Box 196613
Anchorage, AK 99519-6613

888-425-9813 (outside Anchorage)