Heating & Cooling Loans
Keep warm or stay cool with a Heating & Cooling Loan from Acadia FCU. Whether you’re installing a new heat pump, upgrading your heating system, making your home more energy efficient, or simply preparing for the cold months ahead, we offer flexible financing options to help.
Financing to keep your home comfortable.
Big improvements or seasonal necessities, we’ve got you covered. Finance eligible heating and cooling systems and improvements with flexible terms ranging from 12 to 60 months, all at a competitive APR.
Need to stock up for winter instead? You can borrow up to $5,000 for up to 12 months to purchase heating fuel, including pellets, coal, or heating oil.
-
Flexible financing from 12 to 60 months
-
Borrow up to $5,000 for heating fuel
-
Up to 12 months to repay heating fuel loans
-
Finance heat pumps, heating systems and other eligible improvements
-
Purchase pellets, coal or heating oil
Rates as low as
Monthly Payment
Acadia delivers exceptional customer service. The staff is always ready to help, and they know me by name.
-
We will ask for your last 30 days of pay stubs.
-
Yes – a share-secured loan lets you borrow money using a savings account, a share certificate (also known as a CD in the banking world), Acadia Super Saver account, or Acadia Star Money Market account as collateral. We’ll “freeze” the amount you’d like to borrow and while the amount won’t be available for withdrawal, it will remain in your account and continue to earn dividends. Share-secured loans allow you to keep the money you have worked so hard for! As you pay down the loan, your funds become available to you again. A share-secured loan is also a great way to build or rebuild your credit score.
-
We have many ways available to accept a payment on your Acadia FCU loan. Check this page for all the details!
Rates
Personal Loans
| Loan Term | APR* as low as | Loan Amount |
|---|---|---|
| 2 Years |
|
Up to $15,000 |
| 3 Years |
|
Up to $15,000 |
| 4 Years |
|
Up to $15,000 |
| 5 Years |
|
Up to $15,000 |
| Heating & Cooling Loan |
|
Up to $5,000 |
| Score Saver Loan |
|
Up to $5,000 |
| Cash for Christmas Loan (Seasonal) |
|
Up to $3,000 |
*Annual Percentage Rate (APR). All loans are subject to approval. For standard personal loans, borrow up to $15,000 with A or B credit or up to $10,000 with C or D credit. A minimum loan amount of $5,000 applies to 5-year personal loans. Advertised rates are based on “A” credit; your rate may vary based on creditworthiness.
Heating & Cooling, Score Saver, and Cash for Christmas loans have separate terms, eligibility requirements, and restrictions. Cash for Christmas is a seasonal loan available only during the promotional period, typically beginning in October and continuing through November and December.
Open Account
Leaving Our Website
You are leaving our website and linking to an alternative website not operated by us. We do not endorse or guarantee the products, information, or recommendations provided by third-party vendors or third-party linked sites.