Power Your Life
Mascoma Bank wants to help you power your life with clean, efficient, and affordable energy. Whether you’re upgrading your home or choosing smarter ways to get around, we’re here to provide the financing that helps you make the switch.
Our Solar Loan features:
- Loans up to $60,000.
- Interest rate varies with term and multiple loan terms available.
- Loan decisions made within 24 hours and distribution of funds often within 48 hours.
- Your home is not used as collateral.
- Payment amounts are subject to change after initial 12 months based on tax credits or other funds applied to principal.
Solar Loans
| Rate | APR | Payment per $1000 Financed | Max Term | |
|---|---|---|---|---|
| 10 Year Term | ||||
| 10 Year Term | 7.290% | 7.737% | $11.76 | 120 |
| 15 Year Term | ||||
| 15 Year Term | 7.790% | 8.117% | $9.44 | 180 |
| 20 Year Term | ||||
| 20 Year Term | 8.290% | 8.563% | $8.55 | 240 |
Payment per $1000 Financed is for loans with Payment by Auto Deduction from a Mascoma Bank Account. For more information contact a local branch.
Rates effective August 14, 2025
APR = Annual Percentage Rate
APR is based on a $5000 loan
APR includes one-time processing fee of $99.00
Rates are subject to change without notice
Solar Loan Requirements:
- Solar purchase and sales contract.
- Customer must meet standard underwriting guidelines.
- Primary residence, second homes, and 1-4 family investment properties.
- Click for Printable Features and Requirements.
Our Energy Efficiency Loan features:
Home Energy Efficiency Loan features:
- Secure funding for new heating and cooling systems, updated windows, insulation, energy efficient appliances, and more.
- Loans up to $25,000 (no down payment required).
- Your home is not used as collateral.
- Loan decisions made within 24 hours and distribution of funds often within 48 hours.
- 10 year loan with an interest rate of 9.19%*.
- Example: A $10,000 loan at 9.19% for 10 years would result in principal and interest payments of $127.70 per month.
E‑Bikes features:
- Funding available exclusively for brand‑new electric bicycles.
- Loans up to $10,000 (no down payment required).
- Flexible Terms:
- Up to $7,000 eligible for a 36‑month term
- Over $7,000 eligible for a 60‑month term
- You may pursue rebates on your own; however, rebates cannot be applied as down payments or used to reduce loan terms.
- Conversion kits and upgrades to existing bicycles are not eligible for financing.
Efficiency Loans
| Rate | APR | Payment per $1000 Financed | Max Term | |
|---|---|---|---|---|
| Unsecured* | ||||
| Unsecured* | 9.190% | 9.654% | 12.77 | 120 |
| E-Bike – 60 Month Term | ||||
| E-Bike – 60 Month Term | 9.190% | 10.051% | $20.85 | 60 |
| E-Bike – 36 Month Term | ||||
| E-Bike – 36 Month Term | 9.190% | 10.558% | $31.89 | 36 |
Home
Rates effective August 14, 2025
APR = Annual Percentage Rate
APR is based on a $5000 loan
APR includes one-time processing fee of $99.00
Rates are subject to change without notice
E‑Bikes
Rates effective May 12, 2026
APR = Annual Percentage Rate
APR is based on a $5000 loan
APR includes one-time processing fee of $99.00
Rates are subject to change without notice
Home Energy Efficient Loan Requirements:
- Customers should have a quote, an estimate, or an energy audit.
- Primary residence, second homes, and 1-4 family investment properties.
- Customer must meet standard underwriting guidelines.
- Click for Printable Features and Requirements.
E‑Bike Loan Requirements:
- Applicants must provide an official invoice from the authorized dealer.
- Customers must meet standard underwriting guidelines.
Holiday Closures
Mascoma Bank will be closed on Saturday, May 23, 2026, and Monday, May 25, 2026, in observance of the Federal Holiday. Our digital Banking and ATM's will be available to meet your banking needs. We apologize for any inconvenience.
You may experience intermittent service disruptions to Digital Banking on Sunday, May 17, between 7 a.m. – 7 p.m. CT. The disruptions could last for up to 20 minutes at a time.