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Energy Upgrade & Seismic Safety Loans

Finance a home energy project or seismic upgrade with Advantis.

Advantis is proud to partner with Community Energy Project, a local nonprofit that helps homes become healthier and more efficient. Community Energy Project guides homeowners step-by-step through the home upgrade and improvement process, making homes healthier and safer. Advantis is one of four local funding options for projects like seismic strengthening, energy efficiency, radon mitigation and solar panels.

Community Energy Project & Advantis Logo

Community Energy Project’s Home Advisors guide you through your project

Projects include:

  • Heating and air conditioning
  • Duct sealing
  • Air sealing and insulation
  • High-tech water heating systems
  • Energy-efficient windows
  • Indoor air quality improvements
  • Radon mitigation systems
  • Seismic/earthquake home retrofits
Earthquake Insurance
Seismic retrofitting may also help your home qualify for earthquake insurance coverage since many insurance providers now require that older homes complete the retrofit process in order to be eligible for earthquake coverage. Adding earthquake coverage is a smart step that members can take when preparing for a catastrophic event that could have major financial implications. Get a free insurance quote from our partner First Line Insurance.

  • Solar photovoltaic (PV) panels

How it works

  • Begin with a phone consultation with a Community Energy Project Home Advisor.
  • Community Energy Project matches your needs with the expertise of local, certified contractors to complete your upgrades.
  • Community Energy Project ensures complete satisfaction with every project, with oversight throughout, including the utility incentive process.
  • As a Community Energy Project financing partner, Advantis offers flexible financing choices to help keep projects affordable, and we’re able to waive many of the regular fees incurred on a Community Energy Project Home Equity Line of Credit.


Our energy upgrade and seismic safety loan options feature low rates, no fees, and personal service to get your project done on time and on budget.

Personal Loan up to $5,000 Personal Loan up to $50,000 Home Equity Line of Credit up to $100,000
Loan Amount $1,000 to $5,000 $5,001 to $50,000 $10,000 to $100,000
APR* 5.75% - 13.75% APR (fixed) 6.25% - 14.25% APR (fixed) As low as 5.40% APR** (variable rate)
Term Up to 5 years Up to 10 years 10 year draw period, 20 year repayment
Fees No origination fees
No annual fees
No prepayment penalties
No origination fees
No annual fees
No prepayment penalties
No annual fees
No prepayment penalties

Schedule a Phone Consultation Today!

Get started with Community Energy Project. Take the first step by scheduling a phone consultation with a Community Energy Project Home Advisor.

Then apply for Advantis financing

When you’re ready to move forward with a Community Energy Project plan, work with a local Advantis lending expert to determine the best loan option to fit your needs.


To learn more about the Community Energy Project program, visit or call 855-870-0049.

For questions about Advantis loan options, please call 503-785-2528 and ask to speak to a mortgage loan officer.

†Rebates are offered through Community Energy Project for a limited-time and are subject to restrictions. For more details go to Community Energy Project is not an affiliate of Advantis Credit Union and neither party is responsible for the products or services of the other. Loans are subject to underwriting approval. Hazard insurance will be required, flood insurance may be required.
* APR= Annual Percentage Rate. All rates are accurate as of 2/4/2016 and are subject to change without notice. Property insurance is required, flood insurance may be required. All loans are subject to underwriting approval. No Fee Personal Loans: Payments on a 5-year personal loan at 5.25% would be $18.99/month for 60 months per $1000 borrowed. Payments on a 10-year personal loan at 5.75% would be $10.98/month for 120 months per $1000 borrowed.
**Home Equity Line of Credit: This is a variable rate loan. All home equity rates are based on your credit history, current credit report and loan to value ratio. All loans are subject to underwriting approval. For all real estate loans property insurance is required and flood insurance may be required. APR is based on Wall Street Journal Prime Rate plus or minus a margin. The Prime Rate is currently 4.50%. Maximum APR is 12.00%. Minimum APR is 3.99%. Closing costs range from $525.00 to $2,900.00, depending on loan amount, loan position and appraisal costs. This loan has a fixed rate conversion option. You may convert all or part of the outstanding balance up to 2 times during the draw period. First loan conversion is free; the fee for the second conversion is $50.00. The fee to reconvert back to a variable rate credit line is $100.00. The rate for the fixed rate conversion will be set at the time of conversion and will be based on Prime Rate plus a margin.