Give your living space a fresh new look or upgrade to energy-saving solutions—whatever your dream project, we offer flexible financing to help bring it to life.
Whether you’re planning a kitchen makeover, a full home remodel, or want to install solar panels to cut down on energy bills, our home improvement loans are designed to make your ideas a reality.
We also understand the financial needs of those working under unique UN contract terms, and we’ve tailored our lending process to offer competitive rates that suit a wide range of members.
Home Renovation Loan
Transform your space—one project at a time.
Upgrade your kitchen, swap out old appliances, redo the flooring, renovate the bathroom, or handle several projects at once.
Our home renovation loan gives you the flexibility to tackle big and small changes at your pace.
- Borrow your approved loan amount either in full or in smaller portions over a two-year period.
- Interest and principal payments are based only on what you’ve drawn, not the full approved amount.
- Rates start at a competitive 10.00% APR¹.
- Funds are sent directly to you so you can pay your contractors as the work is completed.
Energy Efficient Loan
Go green and save on monthly utility bills.
If you’re planning to improve your home’s energy efficiency—like adding insulation, switching to energy-saving appliances, or installing solar panels—this loan helps you lower your environmental footprint and household costs.
- Enjoy a reduced starting interest rate from 8.50% APR¹.
- You’ll need to show proof that your project qualifies as energy efficient (documentation from your service provider is required).
- Loan funds are paid directly to your contractor or service provider for convenience and accountability.
Home Improvement Loan Highlights
| Feature | Home Renovation Loan | Energy Efficient Loan |
|---|---|---|
| Loan Amount | $500 to $150,000² | $500 to $150,000² |
| Interest Rate | Fixed rates starting at 10.00% APR¹ | Fixed rates starting at 8.50% APR¹ |
| Loan Term | 6 months to 15 years (shorter terms = lower rates) | 6 months to 15 years (shorter terms = lower rates) |
| Collateral | None required | None required |
| Approval Time | As fast as four business days³ | As fast as four business days³ |
| Application Fee | $0.00 | $0.00 |
| Prepayment Penalties | $0.00 – Pay off early with no extra charge | $0.00 – Pay off early with no extra charge |
| Origination Fee | $0.00 | $0.00 |
| Fund Disbursement | Funds available in as little as one business day³⁴ | Funds available in as little as one business day³⁴ |
Added Member Benefits
- Member Loyalty Rewards: Receive special perks and rate discounts over time for being a loyal member.
- Credit Life Protection: Ensure your loan is covered in the unfortunate event of your passing.
- Credit Disability Debt Protection: Protect your loan in case a qualifying disability prevents you from working. (Available with a fee.)
Ready to Begin?
With quick approvals, no extra fees, and flexible funding, our home renovation and energy-efficient loans offer the financial tools to help you build a better, greener, and more comfortable home.
Whether you want to refresh a single room or revamp your entire home, now is the perfect time to invest in where you live.
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