GoGreen Loan

Helping Californians Go Green.

From solar and battery storage to energy-efficient appliances, we make it easy to upgrade your home with smart, affordable financing. As a participating lender in California’s GoGreen Home Energy Financing Program, we’re here to help you get started.

GoGreen Loan Benefits:

  • Unsecured loans up to $50,000 and up to $75,000 available for Solar + Battery Storage projects
  • Terms up to 15 years (or 20 years for Solar + Battery Storage)
  • Competitive rates and affordable payments
  • Financing available for renters and homeowners
  • No money down, no closing costs and no prepayment penalties
  • Borrowers with a wide range of credit scores may qualify
  • Use up to 30% of loan amount toward non-energy-efficiency improvements
  • No property lien

Eligibility Requirements for USC Credit Union Financing:

  • Qualify for USC Credit Union membership
  • Property is a single-family home, townhome, condo, duplex, triplex, fourplex or manufactured home.
  • Both property owners and tenants (with written permission from the owner) may qualify.

Peace of Mind Protection. You can’t control everything in life – but you can help protect your finances with Peace of Mind Protection. Cancel your loan balance or payments in the event of involuntary unemployment, disability, or death. Coverage is customizable and voluntary, and it’s simple to apply.

All upgrades must be completed by trusted contractors from the State of California’s vetted network.

Discover what you can build, explore your project possibilities now.

Here are some of the things you can do with our Energy Efficient GoGreen Loan:

Appliances account for 20% of the average home’s electric bill, so efficiency is important. Boost it by financing upgrades through GoGreen Home.
Harness the power of the sun to fuel your home when you need it most with a bundled solar + battery storage system. Or boost the energy-saving potential of your existing solar panels by adding battery storage.
Upgrade to a cool roof that reflects sunlight and disperses heat, making your home more comfortable and energy-efficient.
Install an EV charger at home to power your vehicle at your convenience. EV charging stations not only save you from having to search for public charging stations, they can also charge your EV overnight when energy tends to be cheaper.
Want to save on energy bills? Old heating and cooling systems are energy bandits, costing almost half a home’s total usage. Trade in your outdated HVAC for an energy-saving alternative. Note: Financing for central air conditioning units, ECM furnace fans, evaporative cooling, fan or motor controls, and mini split ductless air conditioning units.
By improving air sealing and insulation, you can say goodbye to pesky drafts in your home.
Did you know that inefficient lighting can cost you about $225 extra per year, or that lighting alone makes up 15% of your home’s electricity use? Time to switch to energy-efficient bulbs.
Pool products use more of your home’s energy than you think. In fact, your pool pump could be your home’s second-largest energy user. Choose energy-efficient pool products to reduce energy usage.
Replace your old water heater with a new, high-efficiency Energy Star® certified model.
Upgrade your windows to keep your home comfortable year-round. Stay warm in the winter and cool in the summer.
Use at least 70% of your loan for eligible projects and related costs, and the rest can be used for other home improvements.

GoGreen Loan

Rates accurate as of 10/16/2025
All rates and terms subject to change without notice.

GoGreen Loan Rates
TermFinancing APR* as low as:
1-3 years3.49%
4-5 years3.99%
6 – 10 years4.49%
11 – 15 years5.49%
16 – 20 years6.99%

*APR (Annual Percentage Rate) is effective as of 10.16.2025 and is based on creditworthiness, underwriting criteria, and participation in qualifying discount programs. The lowest advertised rate of 3.49% APR includes the 0.25% discount for automatic loan payments¹ from a qualifying USC Credit Union checking account and the 0.25% discount for maintaining a PremiumSpend** Checking Account.

Additional stackable discounts include:

  • 0.125% discount for verified renters²
  • 0.125% discount for applicants whose residential address and project location qualify as a Low-Income and Disadvantaged Community (LIDAC)³
  • To receive the 3.49% APR, at least 70% of the project cost must be for measures eligible under California’s GoGreen Home Energy Financing program⁴

¹To qualify for the automatic payment discount, borrower must set up recurring loan payments from an active USC Credit Union checking account.

²To qualify for the renter discount, applicant must not be a homeowner and must provide proof of current rental agreement or lease. Discount is not available to homeowners.

³LIDAC eligibility is determined based on project location and borrower’s residential address, according to State of California definitions. Visit the Eligibility Mapping Tool to check your property’s designation. ⁵ Project eligibility under GoGreen is determined based on utility provider. Projects must use eligible energy efficiency measures (EEMs) listed in the official GoGreen EEMs List, available at: https://www.gogreenfinancing.com/energy-efficiency-home-loans-california/eligible-financing-projects/gogreenfinancing.com/homemeasures

⁴A valid purchase order or contractor invoice is required to verify project scope before loan funding. Applicant may be required to be a customer of a participating utility provider. See GoGreen Financing for utility exceptions and full program details.

Only new solar panel installations, including battery bundles, are eligible. Replacement of existing panels does not qualify.

This is an unsecured loan product and is not associated with any mortgage or home loan.

All credit union loan programs, rates, terms, and conditions are subject to change without notice. Final rate is determined at loan approval and may vary based on credit, loan term, and project eligibility.

Example: Monthly payment per $1,000 borrowed at 3.49% APR over 12 months is $84.92. This example is for illustration purposes only. Actual payment may vary.

Membership eligibility requirements and membership fees may apply; please call (877-670-5860) or visit www.USCCreditUnion.org to confirm eligibility

**PremiumSpend checking account disclosure: A $8.95 monthly service fee applies, but the fee will be waived if you meet one of the following requirements in a month: (a) minimum $5,000 average daily balance maintained in the PremiumSpend Checking Account during that month; or (b) minimum $25,000 combined share account balance maintained at USC Credit Union every day during that month. (2) PremiumSpend Checking Accounts are subject to a variable rate. For the current dividend rate(s) and corresponding APY(s), refer to the separate Rate Sheet. (3) The minimum opening deposit for PremiumSpend Checking Accounts is $25.00. The minimum balances required to earn dividends are disclosed in our Schedule of Fees. (4) For payroll that can be verified by the Credit Union to its reasonable satisfaction, your direct deposit paycheck may be made available up to two (2) to three (3) calendar days prior to your regular payroll deposit date. (5) PremiumSpend Checking Account owners are provided access to approximately 32,000 fee-free nationwide COOP ATMs and to approximately 2,300 fee-free Citi Community Network ATMs. In addition, PremiumSpend Checking Account owners are provided access to 5,200 fee-free nationwide Shared-Branching locations. (6) PremiumSpend Checking Account owners are provided the following free services: free check writing, free incoming domestic wire transfers, free debit card, free Mobile Banking, free Mobile Deposit, free Bill Pay, free Zelle, free eStatements, optional free paper statements, one (1) complimentary financial review with a Trojan Wealth Management advisor, free non-network domestic ATM transactions (up to four (4) each month), free Credit Union cashiers checks (one (1) a month), free Credit Union notary services (one (1) a month), free temporary checks, and free access to their credit score through online banking. (7) PremiumSpend Checking Accounts are also provided Overdraft Protection services that cover your check, ACH, debit card, and ATM transactions if your account has insufficient available funds to cover the transaction, but we pay the transaction anyway, resulting in a negative balance. Overdraft Protection services are only provided for everyday (one-time) debit card transactions, if you have opted in to payment of such transactions. Each overdraft transaction covered under the Overdraft Protection service is subject to a $14 fee. We reserve the right not to pay any overdraft transaction, even if we have paid such transactions in the past, and also will only make the Overdraft Protection service available to members in good standing. You must repay any negative balance resulting from Balance Protection may be reduced if you default on any loan or other obligation to us, your account becomes subject to any legal or administrative order or levy, or if you fail to maintain your account in good standing by not bringing your account to a positive balance within 32 days for a minimum of one business day. You must bring your account balance positive for at least one business day to have the full Balance Protection limit reinstated. (8) Any USC Credit Union certificate account maintained by a PremiumSpend Checking Account owner will also be subject to an additional 0.25% APY on the certificate account dividends. (9) Select new USC Credit Union loans opened by an owner of a PremiumSpend Checking Account will be eligible for a 0.25% APR discount on the loan rate for as long as the owner maintains the PremiumSpend Checking Account. (10) Any USC Credit Union closed-end or home equity line of credit mortgage loan application approved that was submitted by a PremiumSpend Checking Account owner will receive a $250 mortgage closing cost discount that will apply to Credit Union-imposed and third party closing costs. View our Schedule of Fees for details on any fees you may incur.

Clean energy. Low fixed rates.

Finance solar panels and energy-efficient upgrades with a competitive-rate loan from USC Credit Union, a proud participating lender in the GoGreen Home Energy Financing Program.

I like the personalized service from USC Credit Union. Also like that you don’t get charged all the fees that regular banks charge.

-Betty Jo

  • Home Equity

    Cash in on the equity you’ve built up. Choose from two affordable options: a home equity line of credit (HELOC) or a fixed-rate home equity loan.

  • Home Refinancing

    Don’t just live in your home – thrive in it. Give your mortgage a second chance and save money by refinancing for a lower rate and more favorable terms.

  • Personal Loans

    Pay for the unexpected, consolidate debt, pay for home improvements, or make a major purchase with one of our affordable Personal Loan options.

    Educational Resources

    • Press Release Press Release

      José Orozco Pelico: Latino Communities Are Missing Out on Clean Energy Savings

      For José Orozco Pelico, the message is simple but urgent: the Latino community is losing out financially by not embracing the opportunities offered by clean energy. Beyond money, many families simply don’t have the information they need to take the first steps toward a future where clean energy will soon be the norm.

      Read Full Article

      José Orozco Pelico: Latino Communities Are Missing Out on Clean Energy Savings

    • Press Release Press Release

      Credit Unions and LA County DEO Continue Wildfire Relief with $80K in Direct Assistance

      The USC Credit Union Community Foundation, in partnership with LA County DEO and AJCC, distributed $80,000 from the Southern California Wildfire Relief Fund to provide $1,000 in direct cash aid to 80 families impacted by the Eaton and Pacific Palisades fires, underscoring the power of collaboration in delivering meaningful relief.

      Read Full Article

      Credit Unions and LA County DEO Continue Wildfire Relief with $80K in Direct Assistance

    • Press Release Press Release

      Not Just Green: USC Credit Union Advocates for Clean Energy as Essential Infrastructure for Community Health

      USC Credit Union is proud to announce its ongoing commitment to expanding clean energy access for low-income and disadvantaged communities across Los Angeles and Orange Counties through innovative lending programs and partnerships.

      Read Full Article

      Not Just Green: USC Credit Union Advocates for Clean Energy as Essential Infrastructure for Community Health

    • News News

      USC Credit Union President and CEO Gary Perez: Leo H. Shapiro Lifetime Achievement Award

      We’re honored to celebrate our President and CEO, Gary Perez, for receiving the Leo H. Shapiro Lifetime Achievement Award – the highest recognition from California’s Credit Unions and Nevada’s Credit Unions.

      Read Full Article

      USC Credit Union President and CEO Gary Perez: Leo H. Shapiro Lifetime Achievement Award

    • Press Release Press Release

      Juntos Avanzamos’ Designation Bolsters Inclusion at USC Credit Union

      Read the original press release at: https://www.ccul.org/news/juntos-avanzamos-designation-bolsters-inclusion-at-usc-cu/ 

      On Monday, USC Credit Union proudly hosted a proclamation ceremony that officially marked its designation as a Juntos Avanzamos (“Together We Advance”) credit union. This national recognition, led by Inclusiv, highlights the credit union’s commitment to fostering financial inclusion, accessibility, and cultural services specifically for Latino and immigrant communities.

      Read Full Article

      Juntos Avanzamos’ Designation Bolsters Inclusion at USC Credit Union

    • Credit Unions Credit Unions

      Credit Unions Unite to Aid Los Angeles County Residents Affected by Wildfires

      Credit unions across the country have rallied together to support residents of Los Angeles County affected by the catastrophic Eaton and Pacific Palisades fires.

      Read Full Article

      Credit Unions Unite to Aid Los Angeles County Residents Affected by Wildfires

    • Fire Relief Resources Fire Relief Resources

      Los Angeles Wildfire Relief Resources

      Read Full Article

      Los Angeles Wildfire Relief Resources

    • News News

      2024 Charity Challenge: USC Credit Union vs. Notre Dame FCU

      This year’s Charity Challenge brings USC Credit Union and Notre Dame FCU together to support a cause bigger than the game itself. Each credit union has pledged $5,000, and the stakes are high: the winner of the Notre Dame vs. USC football game on November 30 will decide which charity receives a boosted $10,000 donation.

      Read Full Article

      2024 Charity Challenge: USC Credit Union vs. Notre Dame FCU

    • News News

      USC Credit Union Celebrates Success with The RightWay Foundation: Empowering Foster Youth through Financial Literacy

      USC Credit Union is proud to announce the successful conclusion of a transformative 10-month financial literacy program in partnership with The RightWay Foundation.

      Read Full Article

      USC Credit Union Celebrates Success with The RightWay Foundation: Empowering Foster Youth through Financial Literacy

    • Investments Investments

      High-Yield Business Savings Accounts: Consider a Credit Union!

      Are you looking to make your business’s savings work harder? High-yield savings accounts (HYSA) and high-yield money market accounts (MMA) can help grow your business savings at a competitive interest rate. It’s just one way to beat inflation while growing your funds for the future.

      Read Full Article

      High-Yield Business Savings Accounts: Consider a Credit Union!

      *GoGreen Loan Disclosure

      APR (Annual Percentage Rate) is effective as of 10.16.2025 and is based on creditworthiness, underwriting criteria, and participation in qualifying discount programs. The lowest advertised rate of 3.49% APR includes the following stackable discounts:

      • 0.25% discount for automatic loan payments from a qualifying USC Credit Union checking account2

      Additional discounts available include:

      • 0.125% discount for verified renters3
      • 0.125% discount for applicants whose residential address and project location qualify as a Low-Income and Disadvantaged Community (LIDAC)4

      To receive the 3.49% APR, at least 70% of the project cost must be for measures eligible under California’s GoGreen Home Energy Financing program.

      To qualify for the automatic payment discount, borrower must set up recurring loan payments from an active USC Credit Union checking account.5

      2To qualify for the renter discount, applicant must not be a homeowner and must provide proof of current rental agreement or lease. Discount is not available to homeowners.

      3LIDAC eligibility is determined based on project location and borrower’s residential address, according to State of California definitions. Visit the Eligibility Mapping Tool to check your property’s designation.

      4Project eligibility under GoGreen is determined based on utility provider. Projects must use eligible energy efficiency measures (EEMs) listed in the official GoGreen EEMs List, available at: www.gogreenfinancing.com/energy-efficiency-home-loans-california/eligible-financing-projects/gogreenfinancing.com/homemeasures 

      5A valid purchase order or contractor invoice is required to verify project scope before loan funding. Applicant may be required to be a customer of a participating utility provider. See GoGreen Financing for utility exceptions and full program details.

      Only new solar panel installations, including battery bundles, are eligible. Replacement of existing panels does not qualify.

      This is an unsecured loan product and is not associated with any mortgage or home loan.

      All credit union loan programs, rates, terms, and conditions are subject to change without notice. Final rate is determined at loan approval and may vary based on credit, loan term, and project eligibility.

      Example: Monthly payment per $1,000 borrowed at 3.49% APR over 12 months is $85.03. This example is for illustration purposes only. Actual payment may vary.

      Membership eligibility requirements and membership fees may apply; please call (877-670-5860) or visit www.USCCreditUnion.org to confirm eligibility.

      **PremiumSpend checking account disclosure: A $8.95 monthly service fee applies, but the fee will be waived if you meet one of the following requirements in a month: (a) minimum $5,000 average daily balance maintained in the PremiumSpend Checking Account during that month; or (b) minimum $25,000 combined share account balance maintained at USC Credit Union every day during that month. (2) PremiumSpend Checking Accounts are subject to a variable rate. For the current dividend rate(s) and corresponding APY(s), refer to the separate Rate Sheet. (3) The minimum opening deposit for PremiumSpend Checking Accounts is $25.00. The minimum balances required to earn dividends are disclosed in our Schedule of Fees. (4) For payroll that can be verified by the Credit Union to its reasonable satisfaction, your direct deposit paycheck may be made available up to two (2) to three (3) calendar days prior to your regular payroll deposit date. (5) PremiumSpend Checking Account owners are provided access to approximately 32,000 fee-free nationwide COOP ATMs and to approximately 2,300 fee-free Citi Community Network ATMs. In addition, PremiumSpend Checking Account owners are provided access to 5,200 fee-free nationwide Shared-Branching locations. (6) PremiumSpend Checking Account owners are provided the following free services: free check writing, free incoming domestic wire transfers, free debit card, free Mobile Banking, free Mobile Deposit, free Bill Pay, free Zelle, free eStatements, optional free paper statements, one (1) complimentary financial review with a Trojan Wealth Management advisor, free non-network domestic ATM transactions (up to four (4) each month), free Credit Union cashiers checks (one (1) a month), free Credit Union notary services (one (1) a month), free temporary checks, and free access to their credit score through online banking. (7) PremiumSpend Checking Accounts are also provided Overdraft Protection services that cover your check, ACH, debit card, and ATM transactions if your account has insufficient available funds to cover the transaction, but we pay the transaction anyway, resulting in a negative balance. Overdraft Protection services are only provided for everyday (one-time) debit card transactions, if you have opted in to payment of such transactions. Each overdraft transaction covered under the Overdraft Protection service is subject to a $14 fee. We reserve the right not to pay any overdraft transaction, even if we have paid such transactions in the past, and also will only make the Overdraft Protection service available to members in good standing. You must repay any negative balance resulting from Balance Protection may be reduced if you default on any loan or other obligation to us, your account becomes subject to any legal or administrative order or levy, or if you fail to maintain your account in good standing by not bringing your account to a positive balance within 32 days for a minimum of one business day. You must bring your account balance positive for at least one business day to have the full Balance Protection limit reinstated. (8) Any USC Credit Union certificate account maintained by a PremiumSpend Checking Account owner will also be subject to an additional 0.25% APY on the certificate account dividends. (9) Select new USC Credit Union loans opened by an owner of a PremiumSpend Checking Account will be eligible for a 0.25% APR discount on the loan rate for as long as the owner maintains the PremiumSpend Checking Account. (10) Any USC Credit Union closed-end or home equity line of credit mortgage loan application approved that was submitted by a PremiumSpend Checking Account owner will receive a $250 mortgage closing cost discount that will apply to Credit Union-imposed and third party closing costs. View our Schedule of Fees for details on any fees you may incur.