Energy Loans

Energy costs weighing you down? We can help!

Energy Loans


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.

Kariss Loan OfficerExtension 128
Lindsay Loan OfficerExtension 103
Caitlin Loan OfficerExtension 108
Jasmine Loan OfficerExtension 105
Jamie Loan ManagerExtension 124

Please note: If you apply during non-business hours, we will contact you the next business day.


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Apply 24 /7, 365 days a year!

View Loan Rates

Dependably low rates, all year long.