The UBCCU Green Loan is a personal loan from United Bay Community Credit Union — a local, member-owned credit union based in Bay City — built specifically for energy-efficient home improvements. Furnaces, air conditioners, heat pumps, boilers, water heaters. No money down. No application fees. No processing fees.
What Makes This Different From a Regular Loan
Most financing options come with fees, waiting periods, or terms that work against you. The UBCCU Green Loan was built specifically for home energy projects and works differently. Compare it to our other financing options.
How It Works
- Call us for a free estimate. Chuck comes out, assesses your system, and gives you a complete written quote — no charge, no pressure.
- Apply at UBCCU. Take your estimate to UBCCU in person, or we can email it directly to their Green Lending team on your behalf. Approval is typically same-day.
- We install your system. Once financing is in place we get you scheduled. Most installations are completed in a single day. UBCCU pays us directly — you pay nothing upfront.
Call 989-684-7521Apply Now at UBCCU
Or Request Your Estimate Online
Do You Qualify
Most Bay City-area homeowners qualify. Here’s everything you need to know.
Loan Details
- Zero down payment
- No application fees
- No processing fees
- Same-day approval in most cases — closing and disbursement can happen same day
- Approval valid for up to 60 days
- No prepayment penalty — pay it off anytime
- Pay extra toward principal anytime to reduce your balance faster
Membership — Who Qualifies
A UBCCU membership is required, but you can join the same day you apply — online or in person. You qualify for membership if you live, work, or worship anywhere in Michigan, or if you’re a family member of a current UBCCU member.
Not a Member Yet?
No problem. UBCCU will walk you through joining right alongside your loan application. They’ve already closed same-day loans for first-time members referred through us.
About Credit Requirements
UBCCU is an Equal Opportunity Lender. They evaluate each application individually based on creditworthiness and ability to repay — income, employment, and standard underwriting guidelines apply, same as any consumer loan. Call their Green Lending team at 989.891.1674 with specific questions before you apply.
Equipment Efficiency Requirements
New equipment must meet these minimum efficiency ratings to qualify for the loan.
System Over 20 Years Old? Efficiency Minimums Don’t Apply.
If you’re replacing a system that is 20+ years old, the new equipment doesn’t have to meet the thresholds above — the project still qualifies as green. We just note the age of the old equipment on your written quote. A lot of Bay City furnaces and A/C units are well past that mark. Ask us when you call.
Financing Both Systems and Utility Rebates
Can I Finance Both a Furnace and A/C at the Same Time?
Yes. One Green Loan can cover multiple pieces of equipment in a single project. If you’re replacing both your furnace and your air conditioner, your written estimate reflects the full scope and the loan covers it. Bundling both in one installation is very common — we’re already at the house, and it often makes sense to do both at once.
How Do Utility Rebates Work With the Loan?
The Green Loan covers your full installation cost upfront. Utility rebates from Consumers Energy and DTE Energy are separate — they arrive as a check several weeks after your installation is complete. Many homeowners apply that rebate check directly toward their loan principal to pay it down faster. We identify every rebate you qualify for at the time of your free estimate. See current Consumers Energy & DTE rebates
Common Questions
Contact UBCCU’s Green Lending Team
Questions about the loan before your estimate? Reach their team directly.
- Tia Sailor, Green Lending Manager — 989.891.1674 · tsailor@ubay.org
- Zach, Green Lending Specialist — 989.891.1660
- Team email — greenloans@ubay.org
- Apply online — Apply Now at UBCCU
Financing Available
We work with multiple financing partners to help make your new system affordable — Synchrony, Michigan Savers, and United Bay Community Credit Union (UBCCU). We'll connect you with the right option at the time of your estimate. The application and approval process is handled directly between you and the lender. Learn more about financing →
