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Earning your trust. Building your future.

San Diego Metropolitan Credit Union (METRO) and the City of San Diego have partnered to provide affordable financing to San Diego residents on home energy efficient upgrades as part of the San Diego Home Energy Upgrade program.

Making energy-saving improvements is as easy as two simple steps and you may benefit by adding value to your home while conserving energy. Whether it's new energy efficient windows, a water heating system or other upgrades, the San Diego Home Energy Upgrade program offers homeowners a low-rate loan to make these, and other money-saving improvements!

San Diego Home Energy Upgrade Program
Rate As Low As: 4.99% to 6.99% APR(1) based on loan term
Loan Amounts from $1,000 - $25,000
Terms from 5 years to 15 years 
  • Interest rate as low as 4.99%APR(1) with automatic payments
  • Loan amount up to $25,000 for Energy Efficient Home Improvements
  • Property must be a single family owner-occupied home within the city of San Diego
  • Must qualify for and establish membership with METRO(2) (Membership eligibility)
  • State and Federal tax credits may be available(3)

Step 1. Contact a licensed contractor for options for your home. (Licensed Contractors List)

Step 2. Apply Online 

There's never been a better time or more affordable way to make energy efficient upgrades to your home. Check below to locate a licensed contractor near you or call us toll free at 888.90.SDMCU (907-3628) or apply online now.

Improvement Examples
Basic Advanced
Air Sealing Energy Efficient Cooling
Attic Insulation Energy Efficient Hot Water Heater
Duct Sealing Energy Efficient Windows
Hot Water Pipe Insulation Wall Insulation
Thermostatic Shower Control Variable Speed Pool Pump
Combustion Safety Testing Specialized Material Roofing
Smoke and Carbon Monoxide Detector For details on these improvements, click here.
  High Efficiency Furnance

Are you a licensed contractor that would like to join the program? Email us at memberservices@sdmcu.org.
Empowered Energy Solutions | 4542 Ruffner Street #110 | San Diego | P: 858-292-6100 F: 858-724-1417

Basic & Advanced Qualified | California Solar Initiative
  Solare Energy Inc | 9520 Padgett Street Ste 218 | San Diego | P: 800-411-7652 F: 858-547-3800

Basic & Advanced Qualified | California Solar Initiative
  Get Green Remodeling, Inc | 12147 Kirkham Road Ste C | Poway | P: 858-217-5800 F: 858-953-7321

Basic & Advanced Qualified | California Solar Initiative
Sullivan Solar Power | 8949 Kenamar Drive Ste 101 | San Diego | P: 858-271-7758 F: 858-271-7759

California Solar Initiative
Classic Residential Inc | 3969 Nobel Drive #284 | San Diego | P: 619-818-5793 F: 760-639-4033

Basic & Advanced Qualified
ASI Hastings | 4870 Viewridge Ave #200 | San Diego | P: 800-481-COOL(2665) F: 619-590-9363

Basic & Advanced Qualified | California Solar Initiative


1. APR = Annual Percentage Rate. Rates and terms are effective 11/01/11 and are subject to change without notice. Stated rates include a .25% discount for automatic payments and based on a certain level of credit worthiness. All loans are subject to credit approval. Other rates and terms are available. Restrictions and conditions may apply.
Sample Energy Efficient Loan Payment: At the rate of 4.99%, your payment for 96 months would be $12.66 for each $1,000 borrowed.
Sample energy Efficient Loan Payment: At the rate of 6.99%, your payment for 180 months would be $8.98 for each $1,000 borrowed.

2. Membership with METRO, including payment of a one-time membership fee, is required. Membership eligibility.

3. Please consult your tax advisor. 

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For Your Information
  • Contact a Phone Representative for assistance 619.297.4835

    The Energy Efficiency and Conservation Block Grant (EECBG) from the American Recovery and Reinvestment Act of 2009 allocated funds toward programs to support City of San Diego residents; make energy efficient improvements to help conserve energy, increase the comfort, health and safety of your home while reducing monthly energy costs.


    $1,000 - $25,000

    4.99% to 6.99% APR*

    Based on terms
    APR = Annual Percentage Rate
  • Apply Now 
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