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Customer Service: 1.800.951.6088

Haywood EMC is here to provide affordable, reliable, safe services and open communications. Our office is located in Waynesville, with a district office in Lake Toxaway, North Carolina.






























Heat Pump/Weatherization Loan

With an approved credit check, Haywood EMC members may borrow up to 100% of the total cost for heat pump or weatherization loans through ElecTel Cooperative Federal Credit Union. This loan is for a maximum of 120 months with low interest financing with rates as low as 3.90% APR.

  • How do I get started improving my home?
    First determine the improvements you want to make to your home, then obtain an estimate for your home energy upgrades. Finally, complete a simple application and submit it to ElecTel.
  • How long does it take to process my loan application?
    Once we receive your completed application, we generally process it within 24 hours.
  • What improvements can I finance through ElecTel?
    You may finance all approved energy upgrades with the Energy Efficient Loan. When applying for the loan, please indicate the amount of money you wish to borrow to complete your project.
  • How and when are my contractors paid?
    Once your improvements have been completed, you will then sign your loan documents and the check will be madepayable to you and the contractor.

Heat Pump/Weatherization Credit Application
Please call ElecTel CCU at 800-849-5600
or apply online at

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