Solar Loans

Affordable rates and clean energy.

There’s never been a better time to invest in a solar system to power your home. Electricity costs have spiked while solar energy prices have come way down. Couple that with tax credits and USC Credit Union’s affordable solar loan rates, and it’s a win-win! Join the clean home energy movement with your choice of two solar loan options:

  • 12- to 18-month loan that covers your solar tax credit (Section 25D federal income tax credit for new residential solar electric systems)1
  • Longer fixed-rate loan on the remaining portion of your solar electric system cost

Solar loan benefits:

  • Borrow up to $100,000
  • Lock in fixed interest rates from 6.49% APR2
  • Get fixed payments and flexible terms with no prepayment penalties
  • Secure your loan with solar equipment installation vs. home equity
  • Save on your monthly energy bill
  • Increase your property value

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.

Solar Loans – Solar System*

Rates accurate as of 5/29/2024
All rates and terms subject to change without notice.

Term Up ToAPR as low as
36 Months6.49%
60 Months6.99%
84 Months7.49%
120 Months7.99%
144 Months8.49%
180 Months8.99%
240 Months9.49%

*Solar Loans “as low as” rates include the 0.25% discount for automatic loan payments.

Solar Loans – Tax Credit*

Rates accurate as of 5/29/2024
All rates and terms subject to change without notice.

Term Up ToAPR as low as
18 Months6.49%

*Solar Loans “as low as” rates include the 0.25% discount for automatic loan payments.

Clean energy. Low fixed rates.

Bring the clean energy movement home with a great rate on a solar loan from USC Credit Union.

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.

1USC Credit Union and its Representatives do not provide tax or legal advice. For such advice, please consult with a qualified professional.

2Annual Percentage Rate (APR) is effective as of 5.29.2024 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 6.49% is $58.45. 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 www.USCCreditUnion.org to confirm eligibility. All credit union loan programs, rates, terms, and conditions are subject to change without notice.