Clean Energy Credit Union Rates and Fees

Affordable APY for Savings, Certificates, and Clean Energy Loans

Current Clean Energy Credit Union Rates and Fees

We believe banking should be clear and straightforward. This is your comprehensive guide to all Clean Energy Credit Union rates and fees. Find transparent details on the Annual Percentage Yield (APY) for your savings and certificates, and review the competitive Annual Percentage Rates (APR) for sustainable financing, including solar, EV, and green home improvement loans. We provide affordable pricing so you can easily maximize your positive impact!

Electric Vehicle Loan Rates
Loan Type	Min/Max Loan Amount	Term	APR⁸ as low as
¹ Clean Energy Vehicles must be either all-electric or plug-in hybrid electric. ² Visit your state DMV website to view state-specific requirements and fees. If Clean Energy CU exercises its right to file for the lien- recorded title, you will be responsible for any filing fees. ³ Vehicles are considered used if they have over 10,000 miles or are model years 2023 or older. Maximum age for a used vehicle is 8 years old. ⁴ Rates shown include a 2.00% discount for automatic loan payments. ⁵ Add 1.00% to rates for electric motorcycles, and add 0.50% for high-LTV loans (those exceeding 100% LTV, up to a maximum of 125%). ⁶ Rates shown are lowest possible rates for qualified buyers. Rates may change dependent on credit qualifications, underwriting factors, and loan characteristics. ⁷ Residences in certain counties and states may be eligible for a 0.50% rate discount, learn more. ⁸ APR = Annual Percentage Rate. All rates and programs are subject to change at any time.
Loan Type New or Refinanced New Electric Vehicle^{1 2 3}	Min/Max Loan Amount $3,000 to $125,000 up to 110% Loan-to-Value	Term 4 years	APR⁸ as low as 5.49%^{3 4 5 6 7}
Loan Type New or Refinanced New Electric Vehicle^{1 2 3}	Min/Max Loan Amount $3,000 to $125,000 up to 110% Loan-to-Value	Term 5 years	APR⁸ as low as 5.99%^{3 4 5 6 7}
Loan Type New or Refinanced New Electric Vehicle^{1 2 3}	Min/Max Loan Amount $3,000 to $125,000 up to 110% Loan-to-Value	Term 6 years	APR⁸ as low as 6.39%^{3 4 5 6 7}
Loan Type Used or Refinanced Used Electric Vehicle^{1 2 3}	Min/Max Loan Amount $3,000 to $125,000 up to 110% Loan-to-Value	Term 4 years	APR⁸ as low as 5.99%^{4 5 6 7}
Loan Type Used or Refinanced Used Electric Vehicle^{1 2 3}	Min/Max Loan Amount $3,000 to $125,000 up to 110% Loan-to-Value	Term 5 years	APR⁸ as low as 6.49%^{4 5 6 7}
Loan Type Used or Refinanced Used Electric Vehicle^{1 2 3}	Min/Max Loan Amount $3,000 to $125,000 up to 110% Loan-to-Value	Term 6 years	APR⁸ as low as 6.89%^{4 5 6 7}

Green Home Improvement Loans
Loan Type	Min/Max Loan Amount	Term	APR⁵ as low as
¹ Loans must be used for qualifying clean energy products and services – see list here. ² Rates shown include a 2.00% discount for automatic loan payments. ³ Rates shown are lowest possible rates for qualified buyers. Rates may change dependent on credit qualifications, underwriting factors, and loan characteristics. ⁴ Residences in certain counties and states may be eligible for a 0.50% rate discount, learn more. ⁵ APR = Annual Percentage Rate. All rates and programs are subject to change at any time. See “loan fees” tab for associated fees.
Loan Type Secured Green Home Improvement Loans¹	Min/Max Loan Amount $3,000 to $75,000	Term 3 years	APR⁵ as low as 5.24%^{2 3 4}
Loan Type Secured Green Home Improvement Loans¹	Min/Max Loan Amount $3,000 to $75,000	Term 5 years	APR⁵ as low as 5.74%^{2 3 4}
Loan Type Secured Green Home Improvement Loans¹	Min/Max Loan Amount $3,000 to $75,000	Term 7 years	APR⁵ as low as 5.99%^{2 3 4}
Loan Type Secured Green Home Improvement Loans¹	Min/Max Loan Amount $3,000 to $75,000	Term 10 years	APR⁵ as low as 6.49%^{2 3 4}
Loan Type Unsecured Green Home Improvement Loans¹	Min/Max Loan Amount $1,000 to $50,000	Term 3 years	APR⁵ as low as 8.24%^{2 3 4}
Loan Type Unsecured Green Home Improvement Loans¹	Min/Max Loan Amount $1,000 to $50,000	Term 5 years	APR⁵ as low as 8.74%^{2 3 4}
Loan Type Unsecured Green Home Improvement Loans¹	Min/Max Loan Amount $1,000 to $50,000	Term 7 years	APR⁵ as low as 8.99%^{2 3 4}
Loan Type Unsecured Green Home Improvement Loans¹	Min/Max Loan Amount $1,000 to $50,000	Term 10 years	APR⁵ as low as 9.49%^{2 3 4}

Solar PV System Loans
Loan Type	Min/Max Loan Amount	Term	APR⁹ as low as
¹ The combined amounts of a short-term and long-term loan cannot exceed 100% of the project cost. The short-term loan amount is typically 30% of the project cost, and the long-term loan amount is typically for the remaining balance (70% ). In certain instances, the member may choose to go above 30% for the short-term loan or 70% for long-term loans. ² Rate shown assumes that the short-term loan balloon payment is fully repaid at maturity; if not, the interest rate is 17.99%. ³ Clean Energy Credit Union’s solar contractor partners may offer lower rates with modified terms. ⁴ Rates shown include a 2.00% discount for automatic loan payments. ⁵ Rates shown are the lowest possible rates for qualified buyers. Rates may change dependent on credit qualifications, underwriting factors, and loan characteristics. ⁶ Loan proceeds must be used for new equipment. ⁷ Residences in certain counties and states may be eligible for a 0.50% rate discount, learn more. ⁸ Re-finance options available, fees apply. ⁹ APR = Annual Percentage Rate. All rates and programs are subject to change at any time. See “loan fees” tab for associated fees.
Loan Type Short-Term Solar Electric System Loan (i.e. Solar Tax Credit Loan)	Min/Max Loan Amount $3,000 to $150,000 (When part of a Combo Loan, typically 30% Loan-to-Value¹)	Term 12 or 18 months	APR⁹ as low as 7.50% ^{2 3 4 5 6 7}
Loan Type Single, Everyday, or Long-Term Solar Electric System Loan	Min/Max Loan Amount $3,000 to $150,000 (When part of a Combo Loan, typically 70% Loan-to-Value¹)	Term 12 years	APR⁹ as low as 7.50% ^{3 4 5 6 7 8}
Loan Type Single, Everyday, or Long-Term Solar Electric System Loan	Min/Max Loan Amount $3,000 to $150,000 (When part of a Combo Loan, typically 70% Loan-to-Value¹)	Term 15 years	APR⁹ as low as 8.00% ^{3 4 5 6 7 8}
Loan Type Single, Everyday, or Long-Term Solar Electric System Loan	Min/Max Loan Amount $3,000 to $150,000 (When part of a Combo Loan, typically 70% Loan-to-Value¹)	Term 20 years	APR⁹ as low as 8.25% ^{3 4 5 6 7 8}

Geothermal System/Ground-Source Heat Pump Loans
Loan Type	Min/Max Loan Amount	Term	APR⁹ as low as
¹ The combined amounts of a short-term and long-term loan cannot exceed 100% of the project cost. The short-term loan amount is typically 30% of the project cost, and the long-term loan amount is typically for the remaining balance (70% ). In certain instances, the member may choose to go above 30% for the short-term loan or 70% for long-term loans. ² Rate shown assumes that the short-term loan balloon payment is fully repaid at maturity; if not, the interest rate is 17.99%. ³ Clean Energy Credit Union’s solar contractor partners may offer lower rates with modified terms. ⁴ Rates shown include a 2.00% discount for automatic loan payments. ⁵ Rates shown are the lowest possible rates for qualified buyers. Rates may change dependent on credit qualifications, underwriting factors, and loan characteristics. ⁶ Loan proceeds must be used for new equipment. ⁷ Residences in certain counties and states may be eligible for a 0.50% rate discount, learn more. ⁸ Re-finance options available, fees apply. ⁹ APR = Annual Percentage Rate. All rates and programs are subject to change at any time. See “loan fees” tab for associated fees.
Loan Type Short-Term Geothermal System Loan (i.e. Geothermal Tax Credit Loan)	Min/Max Loan Amount $3,000 to $150,000 Typically 30% Loan-to-Value¹	Term 12 or 18 months	APR⁹ as low as 7.50% ^{2 3 4 5 6 7 8}
Loan Type Long-Term or Everyday Geothermal System Loan	Min/Max Loan Amount $3,000 to $150,000 Typically 70% Loan-to-Value¹	Term 12 years	APR⁹ as low as 7.50%^{3 4 5 6 7 8}
Loan Type Long-Term or Everyday Geothermal System Loan	Min/Max Loan Amount $3,000 to $150,000 Typically 70% Loan-to-Value¹	Term 15 years	APR⁹ as low as 8.00%^{3 4 5 6 7 8}
Loan Type Long-Term or Everyday Geothermal System Loan	Min/Max Loan Amount $3,000 to $150,000 Typically 70% Loan-to-Value¹	Term 20 years	APR⁹ as low as 8.25%^{3 4 5 6 7 8}

Unsecured Clean Energy and Share Secured Loans
Loan Type	Min/Max Loan Amount	Term up to	APR⁷ as low as
¹ Loans must be used for qualifying clean energy products and services – see list here. ² Rates are rounded up to the nearest 0.25% ³ Rates shown include a 2.00% discount for automatic loan payments. ⁴ Rates shown are lowest possible rates for qualified buyers. Rates may change dependent on credit qualifications, underwriting factors, and loan characteristics. ⁵Residences in certain counties and states may be eligible for a 0.50% rate discount, learn more ⁶ 2.5% APR above share or certificate rate ⁷ APR = Annual Percentage Rate. All rates and programs are subject to change at any time. See “loan fees” tab for associated fees.
Loan Type Unsecured Clean Energy Loan^{1 2}	Min/Max Loan Amount $1,000 to $50,000	Term up to 3 years	APR⁷ as low as 8.24% ^{4 5 6}
Loan Type Unsecured Clean Energy Loan^{1 2}	Min/Max Loan Amount $1,000 to $50,000	Term up to 5 years	APR⁷ as low as 8.74%^{4 5 6}
Loan Type Unsecured Clean Energy Loan^{1 2}	Min/Max Loan Amount $1,000 to $50,000	Term up to 7 years	APR⁷ as low as 8.99%^{4 5 6}
Loan Type Unsecured Clean Energy Loan^{1 2}	Min/Max Loan Amount $1,000 to $50,000	Term up to 10 years	APR⁷ as low as 9.49%^{4 5 6}
Loan Type Savings Account Secured Loan	Min/Max Loan Amount Up to Account Balance	Term up to 5 years	APR⁷ as low as Rate + 2.5%^{3 4 6}
Loan Type CD Secured Loan	Min/Max Loan Amount Up to CD Balance	Term up to 10 years	APR⁷ as low as Rate + 2.5%^{3 4 6}

E-Bike Loans
Loan Type	Min/Max Loan Amount	Term up to	APR⁴ as low as
¹ Rates are rounded up to the nearest 0.25% ² Rates shown include a 2.00% discount for automatic loan payments. ³ Rates shown are lowest possible rates for qualified buyers. Rates may change dependent on credit qualifications, underwriting factors, and loan characteristics. ⁴ APR = Annual Percentage Rate. All rates and programs are subject to change at any time.
Loan Type E-Bike Loan¹	Min/Max Loan Amount $500 to $4,999	Term up to 3 years	APR⁴ as low as 8.75% ^{2 3}
Loan Type E-Bike Loan¹	Min/Max Loan Amount $500 to $4,999	Term up to 5 years	APR⁴ as low as 9.25%^{2 3}
Loan Type E-Bike Loan¹	Min/Max Loan Amount $5,000 to $15,000	Term up to 7 years	APR⁴ as low as 9.50%^{2 3}
Loan Type E-Bike Loan¹	Min/Max Loan Amount $5,000 to $15,000	Term up to 10 years	APR⁴ as low as 10.00%^{2 3}

Overdraft Line of Credit
Loan Type	Min/Max Line Amount	Term up to	APR³ as low as
¹ Required minimum monthly payment is 5.0% of outstanding balance ² Rates shown are lowest possible rates for qualified buyers. Rates may change dependent on credit qualifications, underwriting factors, and loan characteristics. ³ APR = Annual Percentage Rate. All rates and programs are subject to change at any time.
Loan Type Overdraft Line of Credit¹	Min/Max Line Amount $300 to $2,500	Term up to Open Ended¹	APR³ as low as 12.0%^{1 2}

Checking Accounts
Deposit Balance¹	Dividend Rate²	APY³
¹ Minimum opening balance requirement = $25; ongoing minimum monthly balance requirement = $0 ² Rewards checking dividend rate applies in any given month where any two of the following conditions are met: – 10 debit card transactions in that same month;* – At least $1,000 in direct deposits in that same month;** – An outstanding Clean Energy Loan (of any type) in that same month; – At least $2,500 on deposit (combined average balance in all accounts) in that same month. Limited to one Rewards Checking per member account. Debit card transactions are defined as a point of sale or online purchase using the debit card linked to your checking account. *Direct deposits include deposits made by the member’s employer issuing payroll or a federal or state government agency paying benefits, etc. Direct deposits do not include deposits to an account that are made by an individual using online or mobile banking or an Internet payment provider such as PayPal or Venmo. ³APY = Annual Percentage Yield. Dividend Rate/APY may change at any time.
Deposit Balance¹ Any Balance	Dividend Rate² 0.01%	APY³ 0.01%
Deposit Balance¹ $0 – up to $15,000 (with reward checking)²	Dividend Rate² 3.50%	APY³ 3.56%
Deposit Balance¹ Portion of your balance above $15,000 (with rewards checking)²	Dividend Rate² 0.12%	APY³ 0.12%

Savings Accounts
Deposit Balance¹	Dividend Rate	APY²
¹ Minimum balance requirement = $5. ² APY = Annual Percentage Yield. Dividend Rate/APY may change at any time.
Deposit Balance¹ $100	Dividend Rate 0.15%	APY² 0.15%

IRA Savings Account Rates
Deposit Balance¹	Dividend Rate	APY²
¹ Minimum balance requirement = $100. ²Annual Percentage Yield. Dividend Rate/APY may change at any time.
Deposit Balance¹ $100	Dividend Rate 0.25%	APY² 0.25%

Money Market Account Rates
Deposit Balance^{1 2}	Dividend Rate	APY³
¹ Minimum balance requirement = $500; ² Dividend rates for an IRA Money Market Account are 0.10% higher than the standard rates shown here. ³Annual Percentage Yield. Dividend Rate/APY may change at any time.
Deposit Balance^{1 2} $500 – $9,999	Dividend Rate 1.50%	APY³ 1.51%
Deposit Balance^{1 2} $10,000 – $49,999	Dividend Rate 1.60%	APY³ 1.61%
Deposit Balance^{1 2} $50,000 – $99,999	Dividend Rate 2.00%	APY³ 2.02%
Deposit Balance^{1 2} $100,000 – $199,999	Dividend Rate 2.15%	APY³ 2.17%
Deposit Balance^{1 2} $200,000	Dividend Rate 2.20%	APY³ 2.22%

IRA Money Market Account Rates
Deposit Balance¹	Dividend Rate	APY²
¹ Minimum balance requirement = $500. ²Annual Percentage Yield. Dividend Rate/APY may change at any time.
Deposit Balance¹ $500 – $9,999	Dividend Rate 1.60%	APY² 1.61%
Deposit Balance¹ $10,000 – $49,999	Dividend Rate 1.70%	APY² 1.71%
Deposit Balance¹ $50,000 – $99,999	Dividend Rate 2.10%	APY² 2.12%
Deposit Balance¹ $100,000 – $199,999	Dividend Rate 2.25%	APY² 2.28%
Deposit Balance¹ $200,000	Dividend Rate 2.30%	APY² 2.33%

Clean Energy Certificate of Deposit (CD) Rates
Terms²	$1,000 – $24,999¹		$25,000 – $99,999		$100,000
¹ Minimum balance requirement = $1,000. ² Early withdrawal penalties may apply to certificates of deposits. See Truth In Savings for details. ³ Dividend rates for an IRA clean energy CD are 0.10% higher than the standard rates shown here. ⁴ APY = Annual Percentage Yield. Dividend Rate/APY may change at any time.
Terms²	$1,000 – $24,999¹ Dividend Rate³	APY⁴	$25,000 – $99,999 Dividend Rate³	APY⁴	$100,000 Dividend Rate³	APY⁴
Terms² 6 months	$1,000 – $24,999¹ 4.00%	4.07%	$25,000 – $99,999 4.00%	4.07%	$100,000 4.00%	4.07%
Terms² 1 year	$1,000 – $24,999¹ 3.70%	3.76%	$25,000 – $99,999 3.80%	3.87%	$100,000 3.90%	3.97%
Terms² 2 years	$1,000 – $24,999¹ 3.55%	3.61%	$25,000 – $99,999 3.65%	3.71%	$100,000 3.75%	3.82%
Terms² 3 years	$1,000 – $24,999¹ 3.05%	3.09%	$25,000 – $99,999 3.15%	3.20%	$100,000 3.25%	3.30%
Terms² 4 years	$1,000 – $24,999¹ 2.30%	2.32%	$25,000 – $99,999 2.40%	2.43%	$100,000 2.50%	2.53%
Terms² 5 years	$1,000 – $24,999¹ 2.35%	2.38%	$25,000 – $99,999 2.45%	2.48%	$100,000 2.55%	2.58%
Terms² 10 years	$1,000 – $24,999¹ 2.45%	2.48%	$25,000 – $99,999 2.55%	2.58%	$100,000 2.65%	2.68%

IRA Certificate of Deposit (CD) Rates
Terms²	$1,000 – $24,999¹		$25,000 – $99,999		$100,000
¹Minimum balance requirement = $1,000. ²Early withdrawal penalties may apply to certificates of deposits. See Truth In Savings for details. ³Dividend rates for an IRA clean energy CD are 0.10% higher than the standard CD rates. ⁴Annual Percentage Yield. Dividend Rate/APY may change at any time.
Terms²	$1,000 – $24,999¹ Dividend Rate³	APY⁴	$25,000 – $99,999 Dividend Rate³	APY⁴	$100,000 Dividend Rate³	APY⁴
Terms² 6 months	$1,000 – $24,999¹ 4.10%	4.18%	$25,000 – $99,999 4.10%	4.18%	$100,000 4.10%	4.18%
Terms² 1 year	$1,000 – $24,999¹ 3.80%	3.87%	$25,000 – $99,999 3.90%	3.97%	$100,000 4.00%	4.07%
Terms² 2 years	$1,000 – $24,999¹ 3.65%	3.71%	$25,000 – $99,999 3.75%	3.82%	$100,000 3.85%	3.92%
Terms² 3 years	$1,000 – $24,999¹ 3.15%	3.20%	$25,000 – $99,999 3.25%	3.30%	$100,000 3.35%	3.40%
Terms² 4 years	$1,000 – $24,999¹ 2.40%	2.43%	$25,000 – $99,999 2.50%	2.53%	$100,000 2.60%	2.63%
Terms² 5 years	$1,000 – $24,999¹ 2.45%	2.48%	$25,000 – $99,999 2.55%	2.58%	$100,000 2.65%	2.68%
Terms² 10 years	$1,000 – $24,999¹ 2.55%	2.58%	$25,000 – $99,999 2.65%	2.68%	$100,000 2.75%	2.78%

Account Fees

*fees are assessed prior to escheatment to state agency
Insufficient Funds	$0
Returned Deposit	$15
Returned Deposit (Member to Member)	$15
Inactive Savings Account (per month) (After 24 months of no activity)*	$5
Inactive Checking Account (per month) (After 6 months of no activity, excludes earned interest/dividends)*	$5

ATM Usage and Debit Card Fees

In-Network ATM Withdrawal	$0
Out-of-Network ATM Withdrawal	$3
Debit Card International Transaction* (Percent of transaction amount)	1.0%
Replacement Cost for Debit Card	$10
Expedited Mail for Replacement Debit Card	$30

Post-Origination Loan Fees

*Re-finance loan must meet these conditions: the original, existing loan must be with Clean Energy CU; the existing loan must have a minimum balance of $10,000; Member must have history of six consecutive, on-time (i.e. non-delinquent) loan payments for the most recent six months
Late Payment	$20
Loan Coupon	$20
Loan Document Revision	$25
Solar/Geothermal/Green Home Improvement Loan Refinance (existing Clean Energy CU loans only)*	1% of the refinanced loan amount, minimum $250 fee*
Electric Vehicle Refinance (existing Clean Energy CU loans only)	$50
Loan Re-Amortization	$75
Loan Re-Amortization (if prepayment is made that is 15% or more of the original loan principal)	FREE Limit 1 per loan
Loan Subordination Processing	$100
UCC-3 Filing Temporary Removal	$250

Wire Transfer Fees – Outgoing

Domestic	$20
International	$40

Share Certificates Fees

Early Withdrawal – CDs (See account disclosures)	Varies

Overdraft Fees

Non-Sufficient Funds (NSF) Fee	$0
Overdraft Transfer Fee – from Checking or Savings Account	$0
Overdraft Transfer – from Overdraft Line of Credit	$5

Miscellaneous Fees

*International transactions may include online transactions conducted at retailers located outside the United States.
Paper Statements by Mail	$7
Returned Mail/Bad Address	$5
Cashier Check	$5
OTC Check/Deposit Check	$5
Collection Item	$2
Check Copy	$3
Stop Payment – Cashier Check Lost/Stolen	$25
Stop Payment – ACH, Check or Bill Pay	$25
Foreign Item Fee	Up to $50
Inactive Bill Payment (After three months)	$5
Statement Copy/Interim Account History	$7
Levy/Garnishment/Legal	$40
Account Research (15 minute increment)	$30
Phone Initiated ACH Transfer	$10
Expedited Mail	$15
Shared Branch Transaction	$0
Returned Payment Fee	$25
Additional Credit Approval Extension Fee	$150

Consumer Loan Fees

Loans are secured via a UCC-1 filing on any repossessable equipment; you will be charged a flat filling fee that depends on number of filings required, FICO score, loan amount, and project location	$250 (or $350 in CA, FL, IL, MD, PA, and TN)
Loan processing fee (secured loans only)	$150
Rate card includes a 2.00% discount for automatic loan payments	2% add on if member ops out of automatic payments
Additional Credit Approval Extension Fee (1st extension is free)	$150

Commercial Loan Fees

(1) Fees vary based on project complexity.
Commercial Loan Application Fee	$500 or $800¹
Commercial Loan Origination Fee	Ranges from $500 to 1% of loan amount¹
Commercial Loans are secured via a UCC-1 filing on any repossessable equipment; you will be charged a flat filling fee.	$350
5 Year Commercial UCC1 Filing Continuation Fee	$350
Commercial Loan Late Payment Fee	$40
Commercial Loan Returned Payment Fee	$30
Commercial Loan Re-Amortization	$250
Commercial Loan Subordination Processing	$100
Commercial UCC-3 Filing Temporary Removal	$350

Post-Origination Loan Fees

*Re-finance loan must meet these conditions: the original, existing loan must be with Clean Energy CU; the existing loan must have a minimum balance of $10,000; Member must have history of six consecutive, on-time (i.e. non-delinquent) loan payments for the most recent six months
Late Payment	$20
Loan Coupon	$20
Loan Document Revision	$25
Solar/Geothermal/Green Home Improvement Loan Refinance (existing Clean Energy CU loans only)*	1% of the refinanced loan amount, minimum $250 fee*
Electric Vehicle Refinance (existing Clean Energy CU loans only)	$50
Loan Re-Amortization	$75
Loan Re-Amortization (if prepayment is made that is 15% or more of the original loan principal)	FREE Limit 1 per loan
Loan Subordination Processing	$100
UCC-3 Filing Temporary Removal	$250

Ready to save money and the planet? Concerned about loan rates dropping? We’ve got you covered!

With Clean Energy Credit Union’s Rate Promise you can rest easy knowing you’re getting the best possible rate, even if the market changes. How? Before your loan closes, we’ll review your rate, and if it’s decreased in your loan ier, we’ll automatically adjust it! And don’t worry—your rate is locked in for 6 months, so it can only go down, never up! There’s no need to wait—start enjoying the benefits of clean energy now, worry-free.