Habersham EMC - Energy Efficient Loan Program

May 20, 2015


Habersham Electric Membership Corporation (EMC) is an electric cooperative that provides service to 32,000 customers in northeastern Georgia, including Rabun, Habersham, White, Hall, Lumpkin and Stephens counties. Habersham EMC offers an ERC loan program with a 0% - 5% interest rate for customers to upgrade homes to be more energy efficient. Financing for projects greater than repaid within five years can be repaid interest free, while loans from five to ten years are repaid at a 5% rate.Loans may be used to upgrade heat pumps, windows, door and insulation. Customers may also qualify for a rebate as part of the Touchstone Energy Home Program. For more information about these programs, contact Habersham EMC.

Program Overview

Implementing Sector: Utility
Category: Financial Incentive
State: Georgia
Incentive Type: Loan Program
Web Site: http://www.habershamemc.com/mainNav/residential/energyManagement/howSmartProgram.aspx
Administrator: Habersham Electric Membership Corporation
Start Date:
Eligible Renewable/Other Technologies:
  • Water Heaters
  • Lighting
  • Heat pumps
  • Caulking/Weather-stripping
  • Duct/Air sealing
  • Building Insulation
  • Windows
  • Other EE
Maximum Loan: not specified
Loan Term: Rate (up to $5,000): 0%
Repayment (up to $5,000): up to 5 year

Rate (up to $5,000): 5%
Repayment (up to $5,000): 5 - 10 years


Name: Customer Service - HEMC
Organization: Habersham Electric Membership Corporation
Address: 6135 Highway 115 West
Clarkesville GA 30523
Phone: (800) 640-6812
Email: forinfo@hemc.coop

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.