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Energy Advance Application Process

What qualifications are required to apply?

  • Continuous electric service with Berkeley Electric Cooperative for at least 12 months
  • Applicant must be the homeowner or business owner
  • Joint ownership requires that all parties complete an application
  • If living in a mobile home, applicant must own the home and the land it sits on
  • Heirs and ET AL properties do not qualify
  • Credit check & project approval
  • Must use approved contractor
  • List of pre-approved contractors may be obtained from any Berkeley Electric or Farmers & Merchants office location


  • Contact your local Berkeley Electric Cooperative district office and ask to speak to a Marketing & Energy Specialist, or apply on-line at You can also contact Farmers & Merchants Bank to set up an appointment.
  • Complete the Energy Advance loan application fully and return it to one of our district offices or to F&M Bank. If you apply on-line the application is automatically submitted for review.
  • Consult with The Energy ExpertsTM at Berkeley Electric Cooperative about recommended energy upgrades to improve your home’s energy efficiency and comfort.
  • Upon loan approval from F&M Bank, the member must request bids from companies on the Berkeley Electric Approved Contractor list. All work must be completed and the loan closed within thirty (30) days of approval.
  • After you have chosen a contractor, the loan will be closed by a F&M Bank loan officer and loan payments will be applied to your monthly Berkeley Electric bill.
  • Upon completion of the job, Berkeley Electric Cooperative will inspect the contractor’s work to verify projection completion per the Cooperative’s standards and contractor’s bid form.
  • The check for improvements will be issued once the standards have been satisfied.
  • Sit back in comfort and enjoy your newly improved and energy efficient home!




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