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NCB Loan Program

NCB_wText_ColorGIF_web-200x100.gif

Adams Electric offers financing for energy-efficient and alternative generation projects through the National Cooperative Bank (NCB). 

For more loan or rate information, please contact NCB Vice President Brittney Baldwin (866-499-3517) or by email, or visit www.ncb.coop/bbaldwin.

To APPLY for a loan, click here.

Loan Purpose

Financing for residential members of the electric cooperative for improvement projects at a resident's home or on the resident's real estate including:solar distributed generation (behind the meter solar panels); battery storage (not limited to Tesla Power Wall); gen-sets (generators and water pumps); appliances (hot water heaters, furnaces, kitchen appliances, heat pumps, etc.); energy efficiency (insulation, roofs, windows, weather stripping, doors, lighting, etc.); HVAC systems (geo-thermal heat pump systems, furnaces, AC units, conversions, etc.); and, any other purposes approved by NCB.

Loan Type

Consumer Loan

Loan Amount

Unsecured: Minimum loan size $3,000; Maximum loan size $30,000

Secured: Minimum loan size $3,000; Maximum loan size $100,000

Loan Term 5 to 8 years available (up to the useful life of the product)
Minimum Credit Score 700 or 680 with 2 months of reserves required
Total Available 100% of the project cost
Debt to Income 43% based on gross monthly income
Eligible Property Type Primary Residence Only
Bankruptcy History None in previous five years
Collateral/Lien Perfection

Unsecured: N/A

Secured: Lien on filing energy equipment

Origination Fee

Unsecured: $0

Secured: $150, due at signing

Prepayment Penalty None
Loan Pay-Off Repayment upon the sale of residence or at loan maturity
Loan Funding 100% directly paid to the consumer
Billing Direct to consumer billed by NCB
Underwriting Income verification required
Documentation

Pre-closing: Purchase estimate/contract or serial number

Post-closing: Interconnection certificate (if required)

 

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©2021 Adams Electric Cooperative, Inc. All Rights Reserved

  • MY BILL
    • PAYMENTS
      • My Bill Explained
      • View/Pay My Bill
      • Ways to Pay
    • RATES
      • Current Rate Schedule
      • Incentive Rates
    • SERVICE
      • Begin/Discontinue Service
      • Fees
      • Update My Account
    • INFO
      • Ownership Rewards
      • Scams
  • MY CO-OP
    • THE CO-OP WAY
      • Co-op Principles
      • Member Rights And Responsibilities
      • Our Mission and Promises
      • Bylaws
    • ABOUT
      • Where we serve
      • Office Locations
      • Board of Directors
        • Director Responsibilities
      • Management Team
      • Our History
        • Adams' Timeline
    • JOIN
      • Careers At Adams Electric
      • Be A Co-Op Volunteer
        • Credentials and Election Committee
        • Member Advisory Committee
        • Scholarship Committee
      • What is Co-op Owners?
      • Co-ops vote
      • New Member Packet
  • MY BENEFITS
    • Co-op Connections
    • PSECU
    • NCB Loan Program
    • Surge Insurance
    • Surge Protection Equipment
  • MY COMMUNITY
    • Project Helping Hand
    • Community Loan Fund
    • LED Area Lights
  • MY EDUCATION
    • Scholarships
    • High Voltage Safety Demos
    • Youth Education
    • Rural Electric Youth Tour
    • Safety Quiz
  • MY PUBLICATIONS
    • Penn Lines
    • Brochures
    • Annual Report
    • Electric Installation Guide
  • MY ENERGY SAVINGS
    • MY USE
      • SmartHub
      • Solar Dashboard
      • Renewable/Alternative Energy
    • MY SERVICES
      • Audits
        • Home Efficiency Analysis
        • Business Energy Advisor
        • Walk-Through Energy Audits
      • CFL/LED Recycling
      • Energy Loans
      • Generator Safety
      • Together We Save
    • MY PROGRAMS
      • U-Shift, U-$ave
        • U-Shift Air Conditioning
        • U-Shift Off-Peak Rate
        • U-Shift Water Heating
      • Lighting Options
    • MY PRODUCTS
      • Online Energy Store
      • Aero Energy
      • Filter Change
      • Surge Protection
      • Surge Help
  • MY EV