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Smart Financing for a Greener Home

Upgrade your home and save energy, with affordable financing from Christian Financial and Michigan Saves.

Energy-Efficient Upgrades Made Easy with CFCU & Michigan Saves

We’re proud to be a select lender for the Michigan Saves program, helping homeowners like you make energy-efficient improvements without the need for a home equity loan.

Through this unique program, a Michigan Saves authorized contractor* will guide you through the entire process – from choosing upgrades to applying for financing. It’s that simple.

You can use your loan to:

  • Replace outdated appliances or HVAC systems
  • Upgrade windows or insulation
  • Make other energy-saving improvements

How the Process Works

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Find a Michigan Saves Authorized Contractor

Start by finding your Michigan Saves authorized contractor to get an estimate for eligible home energy upgrades.

 

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Complete a Home Energy Analysis

Your contractor will assess your home’s energy use and pinpoint where improvements can make it more efficient and cost-effective.

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Apply for Your Michigan Saves Loan

Let your contractor know you’re a CFCU  member – they’ll help you apply for a low-interest Michigan Saves Loan. Once you’re approved, the upgrades can begin!

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Qualified Home Upgrades

roofing

Roofing

(asphalt, metal, or membrane)

solar_power

Solar photovoltaic (PV)

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Insulation

(attic, crawl spaces, floors, joists, and walls)

shower

Low-flow toilets, faucets, and showerheads

window

Windows

air

Air sealing

Hvac

HVAC

Heating, ventilation, and air conditioning

water_heater

Water heater

battery_5_bar

Whole-home battery storage

ev_station

Electric vehicle (EV) charging stations

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Lead Poisoning Prevention

plumbing

Septic Replacement

Make Your Home More Efficient

With help from Michigan Saves, you can finance energy upgrades without the hassle and start enjoying a more efficient home.

Who is eligible for a Michigan Saves loan?

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Homeowners in Michigan who meet basic credit requirements are eligible. You’ll need to work with a Michigan Saves authorized contractor to qualify.

How much can I borrow?

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Loan amounts typically range from $1,000 to $50,000, depending on your project and credit qualifications.**

How long do I have to repay the loan?

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Loan terms usually range from 12 to 120 months.

What makes this loan different?

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This program is designed to help you save on energy and costs. The process is simple, with contractors vetted by Michigan Saves, all aimed at helping you create a more efficient home.

*Christian Financial Credit Union and Michigan Saves does not endorse any particular contractor. While the contractors in the contractor directory have met certain requirements for participation, you will be entering into a direct relationship with the contractor of your choice and it is important that you review their credentials, qualifications, and references to make an informed decision.
**APR = Annual Percentage Rate. Rates shown are the best available, are based on credit history, are available only on loans not already financed with Christian Financial and subject to change without notice. Rates listed are based on automatic loan payment. Please contact us for full details.