two workers adding photo voltaic panels to structure
Clean Energy Program

Affordable, clean energy financing options for homes and commercial real estate.

Clearwater’s Clean Energy Program offers affordable loan options that help Montana homeowners and businesses finance clean energy construction, renovations, retrofits, and upgrades.

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Solar Loan

Finance everything needed to go solar at a below market rate of 5.90% APR*.

Rates and Terms
  • Financing up to $75,000
  • Unsecured, 20-year term loan
  • No application fee
  • No origination fee
  • No pre-payment penalty
When associated with solar panel installation, can also include:
  • Roof replacement or repair
  • EV charging
  • Heat pumps
  • Electrical service upgrades
  • Batteries
  • Generators

APPLY Today

*APR = Annual Percentage Rate

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Energy Efficiency Loan

Finance energy-efficient appliances, improvements, and upgrades for as low as 6.90% APR*.

Rates and Terms
  • Financing up to $25,000
  • Unsecured, 20-year term loan
  • No application fee
  • No origination fee
  • No pre-payment penalty
Loan purposes include:
  • Heat pumps
  • Weatherization, insulation, and energy audits
  • Electrical service and panel upgrades
  • Energy Star appliances, including electric stoves, furnaces, and water heaters

APPLY Today

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Clean Energy Mortgages

Discounted pricing for homes using energy efficiency or conservation measures.

Rates and Terms
  • At least 50% of the loan proceeds must go towards energy efficiency or conservation measures.
  • Up to 90% maximum loan-to-value or combined loan-to-value
  • One-Time Close Renovation Loan $25,000 minimum; $125,000 maximum cash out for home improvements
  • Home Equity Loan or Line of Credit $25,000 minimum loan amount

Call 406-523-3312 to learn more

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Clean Energy Commercial Loans

Financing for high performance new construction, solar, and energy-efficient building retrofits.

Loans $250,00 or less
  • Below market, fixed rate of 5.90% APR* for C-PACE or Solar Loans
  • No application fee
  • No loan origination fee
  • No pre-payment penalty
Loans $250,00 or more

Rates and fees vary by project call 406-523-3300 to details

*APR = Annual Percentage Rate

Who is Eligible?

We are proud to serve 20 counties in Western Montana which include Beaverhead, Broadwater, Cascade, Deer Lodge, Flathead, Gallatin, Granite, Jefferson, Lake, Lewis and Clark, Lincoln, Madison, Meagher, Mineral, Missoula, Park, Powell, Ravalli, Sanders, and Silver Bow.

If your business or non-profit is located in one of these counties, you are eligible for membership.