WARNER ROBINS, Ga. (1/31/11)--Robins FCU has joined with Flint Energies to offer a 4.99% annual percentage rate (APR) on energy efficiency loans to their joint members. The reduced-rate loan can be used to pay for floor/wall/attic insulation, heating and cooling equipment that is Energy Star qualified, Energy Star windows and doors, envelope sealing, duct sealing, duct insulation, the new GE GeoSpring heat pump water heaters and other Energy Star Appliances like dishwashers, clothes washers and refrigerators. The loan is available to residential homeowners who qualify. Members of Flint Energies can start the loan process by calling Flint Energies to schedule a free home-energy audit. The member then decides on home improvements and gets a contractor quote for the upgrades. The member then completes and submits a Robins FCU loan application. Applicants don’t have to be members of the credit union, but can join when they apply. Robins FCU expects to process loan applications within 48 hours. Once the loan is approved and the home improvements have been completed, Flint Energies will inspect the work. The member will sign the loan documents at a Robins FCU office, and the credit union will issue a check, payable to the member and the contractor. Generally, the loan terms will be for a 4.99% APR between $1,000 and $7,500 for five years or less. The interest rate buy-down program is made available through the Energy Efficiency and Conservation Block Grant Program and Georgia Environmental Finance Authority in conjunction with the American Recovery and Reinvestment Act of 2009.