FDIC Digital Sign, using the official FDIC wordmark. This digital sign indicates the deposit institution is backed by the full faith and credit of the US government.
FDIC Digital Sign, using the official FDIC wordmark. This digital sign indicates the deposit institution is backed by the full faith and credit of the US government.

Home Energy & Home Improvement Loans

Make your home more comfortable, save money and support the environment. We can help you finance:

  • whole house energy & renewable energy
  • heating, cooling & ventilation – including heat pumps
  • windows & doors
  • air sealing & insulation
  • interior & exterior renovations
  • outdoor improvements (pool, shed, etc.)
  • and more!

Why choose a Home Energy or Home Improvement Loan with NBM?

Save money

By making your home more energy efficient you can save on heating, cooling and water bills all year round.

Better for the planet

Our financing can help you complete the projects to reduce your carbon footprint.

Competitive rates and terms

Check out our current rates below!

Home Energy & Home Improvement Loans

Maximum term based on loan amount:

Up to $5,000: max 5-year term
$5,001 – $20,000: max 10-year term

$55 origination fee applies.

Rates posted on 12/02/2024 and may change at any time.
^Automatic Pay Interest Rate. An automatic monthly payment is required or the rate increases by .50%.
Term Interest Rate^ Annual Percentage Rate
5 years 7.300% 8.883%
10 years 7.700% 7.952%

Start planning your home improvements today

Contact us at 1-877-508-8455, visit any branch or start your application online today!

Apply now

Convenient ways to pay your NBM loan

Online Banking
Within our Online Banking, you can transfer money from your deposit account to pay your loan online. Or, you can set up recurring payments. Current Online Banking users: Log in here to pay your loan. Not yet enrolled? Enroll now.

Recurring automated funds transfer
With this service, you can set up a monthly payment of your loan that will be automatically withdrawn from your deposit account on a date you choose. Visit any NBM location, call 877-508-8455 for assistance or submit this secure form: Recurring Loan Payment Transfer to set up recurring payments.

Recurring automated funds transfer from another institution
With this service, you can set up a monthly payment of your loan that will be automatically withdrawn from your deposit account at another institution on a date you choose. Visit any NBM location, call 877-508-8455 for assistance or submit this secure form: Recurring Loan Payment Non-NBM Account Transfer to set up recurring fund transfers.

One-time payment for non-deposit account customer
Make a one-time payment withdrawn from your deposit account at another financial institution by submitting this secure form: One Time Payment Non-NBM Account Transfer.

In person
You can make a payment by cash or check at any of our branch locations with a teller or at an ATM.

By mail
You can mail us a check to pay your loan. Just write your loan account number on the memo line and then mail it to:

National Bank of Middlebury
ATTN: Loan Department
PO Box 189
Middlebury, VT 05753-0189