North Arkansas Electric Cooperative, Inc - Residential Energy Efficiency Loan Program

June 18, 2022


North Arkansas Electric Cooperative (NAEC), a Touchstone Energy Cooperative, serves approximately 35,000 member accounts in seven different counties. The coop provides low interest rates for energy efficiency improvements in the home through the EECL Loan Program. 

Up to $20,000 is available for air or water source heat pumps, energy efficient lighting, energy star doors, energy star windows, high efficiency water heaters, and additional weatherization measures. To qualify, a heat pump must be a complete system and have a SEER rating of at least 14.0 and an HSPF of 8.2. All loans for heat pumps require a $100 blower door test at borrower’s expense. Heat pumps must be sized according to North Arkansas Electric design requirements determined at the time of the energy audit. Heat pump dealers must be licensed with the State of Arkansas. Applications for additional funds above $20,000 may be presented and considered for approval by board committee which meets monthly. Approval is needed prior to the installation of energy efficiency equipments. 

Program Overview

Implementing Sector: Utility
Category: Financial Incentive
State: Arkansas
Incentive Type: Loan Program
Web Site:
Administrator: North Arkansas Electric Cooperative
Start Date:
Eligible Renewable/Other Technologies:
  • Heat pumps
  • Duct/Air sealing
  • Windows
  • Doors
Maximum Loan: $20,000 (can go higher with board approval)
Loan Term: Fixed interest rate of 1.5%


Name: North Arkansas Electric Cooperative
Address: 824 Highway #56
Ash Flat AR 72513
Phone: (870) 994-2191

This information is sourced from DSIRE; the most comprehensive source of information on incentives and policies that support renewables and energy efficiency in the United States. Established in 1995, DSIRE is operated by the N.C. Clean Energy Technology Center at N.C. State University.