Apply For an Efficiency Loan

The complete cost of making EnergyWise® conservation improvements may be eligible for financing with an ERC loan through Stearns Electric Association at 5% interest. Loan funds, up to $5,000, are available for qualifying improvements to homes, businesses, or agricultural buildings at least one year old. The maximum repayment schedule is set at 60 months for a $5,000 loan.

Related costs for materials, equipment and labor completed by a contractor are eligible for financing. This includes the expenses for electrical wiring, the heating equipment, and/or duct work. There are no income guidelines to qualify; however, the applicant’s payment history with Stearns Electric Association is reviewed for consideration.

Learn more about the ERC Loan here. pdficon_small.png


To apply online please fill out and submit the form below, or print the ERC Loan Applicationpdficon_small.png to apply by mail or fax.


Mail the application to:
Stearns Electric Association
ERC Loan Application Coordinator
29643 Frontage Road
St. Joseph, MN 56374

Fax the application to:


Apply Online