Energy Efficient Loan Program

Wheelhouse has financed over 244 million kilowatt hours of clean energy

Nature photograph of rocks and trees near the water.

The Benefits of Green Financing

  • Tax Credits

    Last chance to get a 30% federal tax credit and sell your extra energy with net metering.

  • Lower your monthly utilities

    Energy-efficient loans can help you save on electricity by financing a solar power system, home battery, and high-efficiency appliances. Plus, conserve water with a xeriscape yard.

  • Go Green

    Show our planet some love and support clean energy usage.

Photograph of a solar panel on the roof of a home.

Solar Loans

Empower Your Home with Solar: A Sustainable Energy Solution

We work directly with our valued partners and Preferred Licensed contractor throughout the state of California. Switching to solar is easy. With low rates and loans up to $80,000, our goal is that solar actually saves you money today and tomorrow.

Photograph of lithium ion batteries for solar

Home Battery Energy System Loans

Store Your Energy, Save More Money

A Home Battery Storage System will allow you to never worry about when you might lose power. Store the solar energy you generate during the day and use it at night to shield yourself from grid rate increases. You can apply the federal solar tax credit savings to both your solar energy system and battery storage system. We work with over 100 renewable energy installers to make the process seamless for you.

Construction worker putting shingles on a roof.

Roofing and Insulation

Store Your Energy, Save More MoneyBoost Your Home’s Comfort and Value

Adding energy-efficient roofing and insulation to your home is an effective way to enhance energy savings and improve indoor comfort. Energy-efficient roofing reflects more sunlight, reducing heat absorption, while quality insulation helps maintain a consistent temperature by minimizing heat transfer. Together, these upgrades significantly lower heating and cooling costs, making your home more environmentally friendly and cost-efficient. Additionally, they can increase the lifespan of your HVAC system, reduce carbon emissions, and potentially qualify you for energy rebates or incentives.

Photograph of a man adjusting a thermostat.

Heating & Air Conditioning Loans

Energy-Efficient HVAC boost comfort and lowers utility bills

Financing heating and air conditioning systems allows you to enhance your home’s comfort and energy efficiency without the burden of a large upfront cost. By spreading the expense over manageable payments, you can invest in modern, high-efficiency HVAC systems that lower your utility bills and improve overall climate control. Upgrading to energy-efficient systems often results in additional rebates or incentives, further maximizing the financial benefits of your investment.

Man installing new windows.

Energy Efficient Windows and Doors

Enhance Your Home’s Value and Comfort

Adding energy-efficient windows and doors to your home is a smart investment that enhances both comfort and savings. These upgrades help reduce heat loss during winter and minimize heat gain in summer, leading to lower energy bills year-round. By improving insulation and reducing drafts, energy-efficient windows and doors also contribute to a more consistent indoor climate, making your home more comfortable. Additionally, they boost your home's value and can qualify you for rebates or tax incentives, making it an eco-friendly choice with long-term benefits.

Woman plugging in an electric vehicle.

Car Charging System Loans

Store Your Energy, Save More Money

Installing a car charging system at home offers unmatched convenience and efficiency for electric vehicle (EV) owners, easily and quickly power up your EV overnight, ensuring it’s ready for your daily commute. Eliminate the need for frequent trips to public charging stations but also provide a more reliable and consistent charge. We work with over 100 renewable energy installers to make the process seamless for you.

Photograph of landscaping outside of a home.

Xeriscape Landscaping Loans

Transform your yard and save water and money

Financing xeriscape landscaping for your home offers a practical and cost-effective way to enhance your outdoor space while conserving water. By spreading the cost over time, you can invest in drought-tolerant plants, efficient irrigation systems, and sustainable design features without a significant upfront expense. This not only helps reduce water bills and maintenance costs but also increases your home's curb appeal and overall value.

Woman talking to an electrician.

Electrification of Home

Energy-efficient solutions for a sustainable future

Electrifying your home offers numerous benefits, from increased energy efficiency to cost savings and reduced carbon emissions. Heat pump HVAC systems and water heaters provide efficient climate control and hot water by using electricity instead of fossil fuels, often cutting energy bills significantly. Electric upgrades, including modern wiring, enhance safety and power capacity for new appliances. Induction cooktops offer faster, precise cooking with less wasted heat, while heat pump dryers use less energy than traditional models, lowering utility costs. Overall, home electrification is an eco-friendly, cost-effective solution for modern living.

Save 0.25% APR* off your Energy-Efficient Loan

By opening an Inspired Checking account and setting up automatic loan payments from this new account, you can enjoy a 0.25% APR* discount on your eligible loan. This offer not only helps you save on interest costs but also simplifies your financial management by streamlining payments through one convenient account. This promotion applies to each eligible loan, making it a valuable opportunity to maximize your savings.

Family smiling while playing guitar.

Applying for an Energy Efficient Loan is fast and easy.

Get approved in 3 steps.

  • 1
    Tell us about your project.
    Defining the scope of your home solar project involves determining your energy needs, budget, system size, and any necessary upgrades to your roof or electrical infrastructure.
  • 2
    Tell us about yourself.
    Driver’s License or other form of government issued identification
  • 3
    Employment information
    Paystub or Gross Monthly Income and your work address and telephone number
    If you have a joint applicant, the information above will be needed for both.

Wheelhouse is Committed To Sustainability

Sustainability is rooted in our core values and we know that together we can significantly reduce our carbon footprint, lessen greenhouse gas emissions and decrease our dependence on fossil fuels. We support organizations in San Diego that are reducing climate change impact and improving the environment we live in.

I love a clean san diego logo Arbor Day foundation logo San Diego Zoo Wildlife Alliance Logo Make A Wish Foundation logo
Wheelhouse quote about solar and energy efficient loans.

Ready to open a Wheelhouse Account?

Join Online

Call Us

Visit Us

Disclosures

* APY = Annual Percentage Yield. Rates are effective as of 05/17/2024 and are subject to change without notice.

1 To receive the APY of 3.00%, you must make a minimum of 20 qualifying purchase transactions using your Wheelhouse® Visa® Debit Card associated with an Inspired Plus Checking account per calendar month and/or maintain an average daily balance of $75,000 or higher. No minimum balance is required to earn dividends. Inspired Plus Checking is a variable rate account. The APY may change after account opening. APY is accurate as of the last dividend declaration date. Fees could reduce earnings on the account. Inspired Plus Checking requires an initial minimum deposit of $10, monthly direct deposits totaling $450 or more, an active digital banking registration, and eStatements within 90 days of account opening, plus a monthly fee of $9 (nine dollars). If requirements are not met and maintained, the account will be converted to a Basic Checking Account which may be subject to different terms, conditions, and restrictions and access to BaZing® will be removed.

2 Earn Debit Reward points each time you use your Wheelhouse Visa® debit card on qualifying Non-PIN based point-of-sale (POS) transactions. Qualifying Non-PIN based POS transactions include debit transactions, contactless payments, card swipes, and signature-based transactions. Cash advances and ATM transactions are not considered qualifying transactions. All reward points will post to your account upon verification of qualifying transactions. For every qualified three dollars ($3.00) charged to the cardholder’s enrolled debit card, you will earn one (1) reward point. Log in to Digital Banking to view and redeem points. For a complete list of qualifying categories, visit WheelhouseCU.com/BonusRewards. Contact the Cards & Operations Department at (619) 297-4835 with disputes regarding qualifying transactions.

3 Subject to the terms and conditions detailed in the Guide to Benefits.

4 Insurance products are: NOT A DEPOSIT. NOT FEDERALLY INSURED. NOT AN OBLIGATION OR GUARANTEED BY THE CREDIT UNION, ITS AFFILIATES, OR ANY GOVERNMENT AGENCY.

5 Billshark®, identity monitoring, and credit monitoring each require additional activation to begin.

6 You’ll receive a one-time activation reward of $0.10 per gallon when you activate BaZing® Fuel. You’ll earn a monthly reward of $0.10 per gallon each month when you have 15 eligible debit card transactions post and settle during the Monthly Qualification Cycle (MQC), which is defined as the first day of the month through the last day of the month. Only transactions posted during the MQC will count towards the monthly reward for that MQC. The following activities do not count toward earning BaZing® Fuel: ATM withdrawals, transfers between accounts, deposit or refund transactions. Transactions posted during the MQC greater than the monthly reward requirement will be stored to count towards a bonus reward of $0.10 per gallon. When you have 50 stored bonus transactions you will earn the bonus reward. You will continue to earn bonus rewards for every 50 stored bonus transactions accrued. If the required monthly reward transaction count is not met during the MQC, no transactions are counted for any reward during that MQC or the bonus reward. BaZing® Fuel is limited to 20 gallons of fuel per purchase, per vehicle, or fraud limits placed by Shell® and/or limits placed on your payment card by your financial institution, each of which may be lower. Refer to the BaZing® Fuel Terms and Conditions for full disclosures. BaZing® Fuel offer may be changed at any time and without notice.

7 Rewards Points are earned each time you use your Wheelhouse Visa® Debit Card and/or Visa® Platinum Rewards Credit Card on qualifying Non-PIN based point-of-sale (POS) transactions. Qualifying Non-PIN based POS transactions include debit transactions, contactless payments, card swipes, and signature-based transactions. Cash advances and ATM transactions are not considered qualifying transactions. All reward points will post to your account upon verification of qualifying transactions. Earn one (1) reward point for every qualified dollar ($1) charged to the cardholder’s enrolled Wheelhouse Visa® Platinum Rewards Credit Card and (1) reward point for every qualified three dollars ($3.00) spent using the cardholder’s enrolled Wheelhouse Visa® Debit Card. Plus, earn additional points throughout the year on qualifying categories. Log in to Digital Banking to view and redeem points. For a complete list of qualifying categories, visit WheelhouseCU.com/BonusRewards. Contact the Cards & Operations Department at (619) 297-4835 with disputes regarding qualifying transactions.

Other restrictions, terms, and conditions may apply. Membership required.

You are leaving Wheelhouse® Credit Union’s website. Links that may be accessed via this site are for the convenience of informational purposes only. Any products and services accessed through this link are not provided or guaranteed by Wheelhouse® Credit Union. The site you are about to visit may have a privacy policy that is different than Wheelhouse® Credit Union’s. Please review their privacy policy. Wheelhouse® Credit Union does not endorse the content contained in these sites, nor the organizations publishing those sites, and hereby disclaims any responsibility for such content.

Cancel Accept