Invest in Energy Efficiency Improvements on your home now, enjoy savings on your utility bills for years to come.

NSB offers several programs to help finance important projects such as new insulation, a new furnace or replacement windows. Almost any improvement which makes your home more efficient will qualify. Loans amounts are available from as little as $1000 and equity in your home is not required for some programs. Pick the one best suited for your needs.

We suggest you start by having an energy audit performed by a contractor with Building Performance Institute (BPI) certification. This audit will recommend improvements for your home, provide details on the cost to make the improvements and estimate the savings you can expect to see once the work is completed. 

Click here to see NSB's lending area.

Unsecured Personal Loan

Loan amounts range from $1000 to $8000 with no closing costs, and are not based on available equity.  To get started, click here to apply online, download a loan application or contact your local branch.

See Current Rates

Home Equity Loan

If you have equity in your home, a Home Equity Energy Improvement Loan might be right for you. Loan amounts range from $3,000 to $30,000. There are no application fees, appraisal fees or closing cost.

Learn more about Home Equity Loans


Perhaps now is the time for a construction loan to do that remodeling project you have always dreamed of.  At the same time why not improve the energy efficiency of your home?

Our Construction Loan program features a dedicated Loan Manager, a customized disbursement schedule and a single-closing "construction to mortgage program".

Other refinancing options are also available.

Learn More about Mortgages