CEE Home Improvement Loan

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Make improvements for your home today. From a new kitchen to a roof replacement or association assessments, we have you covered.

Our statewide home improvement loan is developed to encourage and support home improvements across Minnesota. The guidelines below are subject to change at any time without notice. Loan funds are subject to availability. Please call or email us for complete details.

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About the Loan

  • No maximum income limits.
  • Loan amounts from $1,000 – $75,000.
  • Terms up to 10 years.
  • No down payment required. 
  • No prepayment penalty. 


  • Owner-occupied, primary residences including condos and townhomes,
  • Most permanent home improvement projects are eligible, including assessment association projects.
  • Loan approval is subject to credit and program guidelines.

Current Rates

Subject to change at any time. APR based on loan amount of $75,000. 

Rates starting at Term APR as low as Payment example
4.625% 5 years 5.086% $18.70
4.625% 10 years 4.867% $10.42

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Based on current rates. Qualifications apply.

Loan Details

  • This loan is secured by a mortgage to the property
  • Closing costs apply
  • An unsecured option may be available
  • Most improvements are eligible including EV charging stations
  • 1 bid is required from a properly licensed contractor.
  • For do-it-yourself projects, a materials list including prices is required. The cost for labor and the purchase of tools may not be included in the loan.

The current loan terms and conditions stated, including interest rates, do not constitute a commitment to lend or an offer to enter into an agreement. Such an offer may only be made pursuant to Minnesota Statutes, Section 47.206(3) and (4).

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Not sure what program works for you?

Contact us and we will find the right loan for you.

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