Green Lending: Powering a better tomorrow

It’s easier than ever to finance high-quality, energy-efficient upgrades for your home. With loans for everything from solar panels and EV chargers to efficiency improvements, we help our Michigan members power their future and protect the planet.

Smart money for a sustainable tomorrow

Green Lending is designed for members who value quality, longevity, and impact. Whether you’re investing in solar, upgrading your home’s energy efficiency, or preparing for an electric future, our green loans support premium improvements that deliver long-term value.

  • Lower rates on qualifying green purchases

  • Flexible financing for solar, EV charging, and home efficiency upgrades

  • Personal guidance from trusted, Michigan-based experts

  • Support for local programs, contractors, and communities

Apply Now

Three ways to invest in a greener future

Explore our specialized financing for energy-efficient home upgrades, cleaner transportation, and home solar energy systems.

Open an Account

Personal Green Loans

Finance energy-efficient upgrades and eco-friendly improvements designed to save energy and enhance your comfort and everyday living.

  • Energy-efficient windows & doors

  • HVAC upgrades & insulation

  • EV chargers & smart energy systems

  • Appliances, water-saving upgrades, and more

Solar Boost Loan

Power your Michigan home with solar financing tailored to our climate, energy needs, and communities.

  • Rooftop solar panels

  • Battery storage systems

  • Inverters, mounting, and system components

  • Whole-home solar installations

Auto Green Loans

Drive smarter with a loan for electric and hybrid vehicles built for efficiency, comfort, and long-term savings.

  • Electric & hybrid vehicles

  • Electric motorcycles & mopeds

  • Electric boats

  • Fleet & commercial EVs

Going green with UBay

  • I refer so many people here because I have had such a great experience. I tell everyone to come to United Bay because they really do take care of you.

    Ashley G., Member

  • I had no idea I could save that much just by refinancing. I’m so glad they told me about the program.

    Member

  • I’ve been a member at the credit union this long because the minute you walk in, everybody is so super friendly.

    Isabel & Thomas C., Members

  • This finally made solar make sense for us. The rate difference alone saved us thousands.

    Member

  • The difference was immediate. Our house finally feels comfortable again, and we’re already noticing a reduction in energy usage with how little our furnace goes in and out now.

    — Member

Simple financing. Seamless banking.

Green Loans work with the accounts you already use, so managing your financing feels familiar, not complicated.

  • Apply simply—online or with a local expert

  • View balances and make payments in one place

  • Manage your loan alongside your checking and savings

  • Get help from real people, right here in Michigan

Become a Member

Showing up. Standing beside you.

  • Investment in community

    We have been rooted in Michigan for more than 75 years, always championing the people and places that make it home.

  • People first, always

    As a not-for-profit credit union, we prioritize people and reinvest in better rates for you, lower fees for all, and community growth.

  • Support at every step

    From your first savings account to credit building, retirement, and beyond, we are here to guide your financial journey for life.

Become a Member

 Frequently asked questions

  • Green Loans can be used for qualifying energy-efficient and eco-conscious purchases, including solar panels, EV chargers, electric or hybrid vehicles, HVAC upgrades, insulation, energy-efficient appliances, and more.

  • Not at all. Applying for a Green Loan is just as straightforward as any other UBay loan, and you can apply online or with help from a local team member.

  • Many green upgrades help reduce energy or fuel costs over time, and qualifying Green Loans may offer discounted rates—helping you save now and in the long run.

  • Absolutely. Your Green Loan appears right alongside your other UBay accounts, making it easy to view balances, make payments, and manage everything in one place.