In FY 2023-2024, the Pennsylvania Energy Development Authority (PEDA) launched the Energy Accelerator Program (EAP), a green bank for Pennsylvania. PEDA has contracted with the National Energy Improvement Fund (NEIF) to launch the first two financing products under the EAP in spring of 2024, the first of which is the Keystone Energy Efficiency Program (KEEP).
KEEP offers low-interest rates and incentivizes high-performing Energy Star upgrades for credit-qualified borrowers. Loans are made directly to the consumer and can range between $2,500 and $25,000 depending on the applicant's credit score.
Owners of single family and multi-unit residential buildings up to four units can apply, though the property must be owner-occupied (primary or secondary home).
Work must be performed by a NEIF-approved contractor who must certify that the primary qualifying improvements are listed on the Energy Star Energy Efficient Products List at the time of installation.
Qualifying improvements are limited to the categories listed below:
Heating/Cooling/Water Heating
Building Products/Other
Typically, eligible loan amounts based on qualifying credit score are as follows:
Loan repayment periods range from 36 to 120 months.
Effective July 1, 2025 through September 30, 2025, or until allocated program funds are exhausted, homeowners can finance qualifying home energy upgrades using reduced interest rates as structured below:
| Implementing Sector: | State |
| Category: | Financial Incentive |
| State: | Pennsylvania |
| Incentive Type: | Loan Program |
| Web Site: | https://www.pa.gov/agencies/dep/programs-and-services/energy-programs-office/financial-options/energy-accelerator-program/keep-home-energy-loan |
| Administrator: | National Energy Improvement Fund |
| Start Date: | |
| Eligible Renewable/Other Technologies: |
|
| Maximum Loan: | $25,000 |
| Loan Term: | 36-120 months |
| Interest Rate: |
No general program interest rate(s) listed. Effective July 1, 2025 through September 30, 2025, or until allocated program funds are exhausted, homeowners can finance qualifying home energy upgrades using reduced interest rates as structured below: 4.99% for 36 months 6.99% for 60 months 7.99% for 120 months |
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.
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