Apply 24 /7, 365 days a year!
SPECIAL OFFER: Be approved for an Energy Loan between October 1st and November 30th, 2020 and receive a flat-rate APR* of just 5.00%!
*APR = Annual Percentage Rate
Want to lock in a great rate by pre-purchasing your heating oil? Would new doors, windows, or siding boost your home’s energy efficiency? Have you been thinking about supplementing your home heating this winter with a new wood or pellet stove? OTIS can help!
We now offer energy loans to our members at competitive rates year-round, which can be used to purchase fuel, oil furnaces, windows, siding with weather wrap, wood or pellet stoves, wood or pellet furnaces, new interior and/or exterior doors, heat pumps, solar panels, and geothermal heating systems.
An energy loan can…
- Make home energy expenses and improvements more affordable.
- Help you to save money by boosting your home’s energy efficiency and subsequently reducing your utility bills.
- Enhance the comfort of your home.
- Increase the value of your home via energy-related upgrades.
Loan terms and interest rates vary depending on credit score.
- A one-year unsecured loan for the purchase of fuel is discounted by 2.00% from the current personal loan interest rate that you qualify for.
- A multi-year unsecured loan for replacements, upgrades, or energy improvements is discounted by 2.00% from the current personal loan interest rate that you qualify for.
- Secured loans for replacements, upgrades, or energy improvements using collateral for security are discounted by 1.00% from the current secured loan interest rate that you qualify for.
- All funds disbursed will be paid directly to the dealer, supplier, contractor, or vendor.
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Please note: If you apply during non-business hours, we will contact you the next business day.
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Dependably low rates, all year long.