HomePlus Energy Efficient Home Improvement Loans

Stop Wasting Your Energy Dollars!

Finance your energy-efficiency home improvements with a 7.9% APR HomePlus loan. The HomePlus loan is offered only to Members of Georgia’s participating electric cooperatives through the Georgia Electric Membership Corporation Credit Union. To receive the lowest interest rate we make it possible for you to repay the load in monthly installments on your electric bill. You can also replay the loan with automatic bank draft. As an added benefit you will become a full fledged member of the GEMC Credit Union and can take advantages of all of the services the credit union offers its members such as checking, bank cards, savings and very competitive auto loan programs.

HomePlus loan funds can be used for virtually any qualifying energy efficiency improvement to your home including heating and cooling systems, insulation, windows and doors, Energy Star Appliances, solar projects and more

Click here to go directly to the online application.

Loan Amount
Minimum Rate
$500 – $3,000 7.9% APR1 Up to 24 months
$3,001-$7500 7.9% APR1 25 to 60 months
$7,501-$25,000 6.50% APR1 61 to 84 months
1 APR: Annual Percentage Rate. The APR shown above has been discounted by 1.0% and applies to borrowers who elect HomePlus on-bill payments through Coastal Electric Cooperative or who elect to pay their HomePlus bill using automatic bank draft.• Term 24 months; estimated monthly payment of $45.19 per $1,000 borrowed. • Term 60 months; estimated monthly payment of $20.24 per $1,000 borrowed. • Term 84 months; estimated monthly payment of $14.86 per $1,000 borrowed.Loan closing cost is $65, payable at loan closing. Loan qualification is subject to assessment of individual creditworthiness and our underwriting standards. All Credit Union loan programs, rates, forms, and conditions are subject to change at any time without notice. Subject to certain conditions, loan default rate may be 16.9% APR. Please speak to your GEMC CU loan representative for available term options.
2 Using collateral under Article 9, Uniform Commercial Code.

Improvements eligible for financing include: Central heat pump and air conditioners, heat pump
water heaters, solar water heating systems with electric back up, replacement windows, roofs, and
appliances. All of these items are required to be Energy Star rated for energy savings. Gas furnaces are
eligible if combined with a heat pump or air conditioner installation. The furnace must also be Energy
Star rate unless it is installed as an auxiliary hear for a dual fuel heat pump system. Additional eligible
improvements include Marathon water heaters, duct work and other HVAC related items as well as
insulation and other weatherization products. Loan items requested, but not listed above, will need
prior approval from Coastal Electric Cooperative. Please call us at (912) 884-3311.

The loan process can begin by applying online. You applications will go directly to a loan officer at the Georgia Electric Membership Corporation Credit Union. It does not go to Coastal Electric Cooperative. The credit union will quickly make a decision on your loan. Usually the same day if it is a normal workday. When your loan is approved they will notify Coastal Electric and someone from Coastal will call to notify you of the approval and begin to work with you on the details of your home improvement. If the loan cannot be approved, the credit union loan officer will call you directly and follow up with a letter.

You may contact the GEMC Credit Union at 770-270-7851.

Coastal Electric provides a list of participating HVAC and home improvement and insulation contractors. The inclusion of a contractor on this list is not necessarily an endorsement of the contractor but it does mean the contractor is familiar with and agrees to participate in the loan process. The contractors listed here have also met our minimum requirements for being properly licensed, providing proof of liability insurance, maintaining a 24/7 on-call service and having a satisfactory record with the Better Business Bureau.

Local Residential and Commercial Solar Sales and Installation Contractors




Coastal Solar Energy Solutions
229 W. General Screven Way Suite N1
Hinesville, GA 31313
Phone: (844) 765-2793

Heating and Air Conditioning Contractors

Ace Heating and Air, Hinesville, GA (912) 876-2848

Action Heating and Air Darien, GA (912) 437-6243

Aire Serv Heating and Air Conditioning, Hinesville, GA (912) 876-8411

All Season’s Comfort, Inc., Savannah, GA (912) 201-9822

Arnold’s Heating and Air (912) 432-0444

Arctic South Heating, Air and Electrical Jesup, GA (912) 427-7022 Ralph Hickox

ARS Rescue Rooter (912)-308-7561 Joe Vertullo – Comfort Specialist. Richmond Hill, GA / Bluffton, SC

Baker Heating and Air (912) 462-7444 13499 Highway 301 North, Nahunta, GA

Bennett’s HVAC and Electrical, LLC Hinesville, GA (912) 876-8144

Boatright & Associates Brunswick, GA (912) 264-6468

Canady’s Precision Air Conditioning and Heating Richmond Hill, GA (912) 756-6688

Coastal Georgia Mechanical, LLC Midway, GA (912) 884-4343 Geoff Collins

Custom Climate, Inc 4191 West Oglethorpe Highway, Hinesville, GA (912) 877-7131

Elite Services – 620 Sea Island Road Suite 399, St. Simons Island (912) 638-5277

Energy Experts – (912) 376-3251 Statesboro, GA – Don Martin

Galbreath & Sons Heating, Air Conditioning and Electric, Inc. Richmond Hill,GA (912) 756-3102

Gerralds’s Mechanical Services, Inc. Richmond Hill, GA (912) 756-3422

Gibson & Lovell HVAC (912) 756-4822

Indoor Climate Experts of Southeast Georgia, Pembroke, GA (912) 823-3199

Mr. Central of the Coastal Empire (912) 236-2272

N2N Home Repair Hinesville, GA (912) 369-6387- Steve Wiggins

R & K Contractors, Fleming, GA (912) 232-0800 – Richard Strauss


Home Improvement and Insulation Contractors

Energy Experts – (912) 376-3251 Statesboro, GA – Don Martin

Envirofoam Technologies, Inc. (912) 721-2001

Image Design Solutions, LLC. Savannah, GA, (877-298-FOAM (3626)

Michael A. Rogers Pooler, GA (912) 658-6990

RPI Residential Roofing – (912) 756-7663 Richmond Hill, GA

White’s Southern Energy Solutions LLC (Insulation Contractor)

N2N Home Repair Hinesville, GA (912) 369-6387- Steve Wiggins

Coastal Applies Systems (glass coating and tinting) Hilton Head, SC (800) 952-2725

The Window Man and More (912) 439-1225 12127 Apache Ave., Savannah, GA