Home Energy Loan Program

CEE offers low interest home energy loans for Minnesota homeowners to make energy improvements in their homes. The guidelines below are subject to change at any time without notice. Loan funds are subject to availability. Please call us for complete details. 

Thanks to local partnerships, we offer special programs and incentives for several Minnesota cities and neighborhoods. Call 612-335-5884 to make sure you get the best deal for your area.

Interested in solar for your home? Reference our solar energy loan.

Loan Terms

4.99% fixed interest rate (5.019 APR*)
  • Terms up to 10 years
  • Loan amounts from $1,000 - $20,000 loan maximum (windows are eligible)
  • No maximum income limit
  • This loan is secured by a mortgage on your property (an unsecured option may be available)
  • Closing costs apply

Property Eligibility

  • Owner occupied, primary residents
  • 1-4 units
  • Properties under construction or held in trust are not eligible

Project Eligibility

Eligible improvements include the energy improvements listed below. Homeowners with questions about project(s) eligibility should contact CEE.

Heating Systems

Natural gas or propane furnace AFUE >= 95
Oil furnace, gas, propane or oil hot water boiler AFUE>= 90

Central A/C

Split systems: SEER >=16 - EER >= 13
Package systems: SEER.= 14 - EER >= 12 

Light Fixtures

Fixtures must meet Energy Star requirements

Window Replacement

Windows must be Energy Star qualified under Federal guidelines. 

Exterior Doors

Exterior Doors must have a U-factor and SHGC of 0.30 or less.

Attic Air Sealing

Testing the air tightness of a home using a calibrated door will measure the quantity of air leakage and air sealing effectiveness.  Attic air sealing is a prerequisite for wall/attic insulation loan eligibility.

Attic Insulation

Attic insulation must be combined with attic air sealing for loan eligibility.  Final R-Value >= R-44

Wall Insulation

All external wall cavities must be filled with insulation.  Loan eligibility is conditional on attic air sealing being performed.

Water Heater

Energy Star rated

Geothermal & Heat Pumps

ground source heat pumps that meet or exceed Energy Star 1 efficiency requirements; heat pump water heaters and air source heat pumps that are Energy Star qualified.


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).

*APR is based on $15,000 loan amount for 10 years.