Join the Clean Energy Movement

With our solar electric system loans, you can harness the power of the sun with low rates.

Take Control of Your Energy with a Solar Loan

Purchasing your own home solar system is within reach. Go solar with USC Credit Union and enjoy fixed monthly loan payments, flexible loan terms, and a competitive interest rate. You can also save on your monthly energy bill, qualify for solar incentives, and potentially build property value.


Choose one of our flexible loan types:

  • A 12-18 month loan that covers your solar tax credit (i.e. the Section 25D federal income tax credit that’s available for new residential solar electric systems at up to 26% of the eligible project cost).
  • A longer fixed-rate loan on the remaining portion of your solar electric system cost (i.e. up to 74% of the eligible project cost).


Loan Benefits:

  • Secured by the solar equipment that’s installed, not by the equity in your home
  • Loan amounts up to $100,000 per loan
  • Fixed interest rates
  • No prepayment penalties
as low as


Solar Loans - Tax Credit1

  • 18 Months
    as low as 5.49%
1Solar Loans “as low as” rates include the 0.25% discount for automatic loan payments.
Annual Percentage Rate (APR) is effective as of 01/24/2023 is based on creditworthiness and underwriting factors and is our best rate including a 0.25% discount for automatic loan payments. To qualify for the automatic payment rate discount, loan payments must be made automatically from a qualifying checking account. Proof of income may be required at the time of loan funding. Monthly payment per $1,000 for 18 months at 5.49% is $58.00. This payment example is for illustration purposes only. Your actual payment may vary. Short term, tax-credit loan amount not to exceed 26% of project cost and term not to exceed 18 months. USCCU and its Representatives do not provide tax or legal advice. For such advice, please consult with a qualified professional. Long-term loan amount can be used for the remaining balance up to an aggregate solar loan amount of 95% of the solar project cost. Property must be owned by applicant. A Uniform Commercial Code (UCC-1 lien) will be filed on all solar equipment and county and state filing fees will be assessed during the loan transaction. Membership eligibility requirements and membership fees may apply; please call (877-670-5860) or visit to confirm eligibility. All credit union loan programs, rates, terms, and conditions are subject to change without notice.