JOEMC is partnering with ElecTel Cooperative Federal Credit Union, another co-op like us, to provide a valuable member service.

Do you want to save energy while increasing your home’s value? If so, JOEMC’s partner ElecTel can help with their Energy Efficient Loan Program.

With this new partnership, JOEMC consumer-members are eligible to join ElecTel with a minimal membership deposit. Electel members may borrow* up to $35,000 for improvements, including new windows and doors, electric heat pumps, furnaces, air conditioners, generators, solar projects, water heaters, insulation, and ENERGY STAR® appliances.

ElecTel offers a full range of financial services including energy-efficiency loans to residential property owners of single-family homes and owner-occupied condominiums. The Energy Efficient Loan Program features:

  • Low-interest loans to qualified applicants;
  • Up to 100 percent financing of the purchase price, including taxes and installation costs;
  • $35,000 maximum loan limit.

You may join ElecTel Federal Credit Union online at and then apply for loans or other financial services online. For more information, contact ElecTel at 800-849-5600 or email

*All loans are subject to approval. Your rate may vary and is determined by your credit qualifications, amount financed, collateral, and loan terms. All rates and terms are subject to change without notice.