Program Steps:

1. Determine if the Loan, Incentives, or Both Are Right For You

Customers interested in Me² loans can get pre-approved for a loan online at: www.summitcreditunion.com/borrow/energy-efficiency-loans, or calling (800) 236-5560 (press 1 for loan information). 

Focus on Energy incentives are available at either Tier 1 or Tier 2 level, based on income and family size.  Me² bonus incentives are available to income-eligible households as defined by Focus on Energy’s Tier 2 incentive program (https://www.focusonenergy.com/Tier2).

Complete the Focus on Energy Income Eligibility Application to qualify for Tier 2 incentives and Me² Bonus Incentives. if you income does not qualify, you may still receive Tier 1 incentives. Continue to the "Incentives" page or contact the Me² Program for more information.

2. Contact a Me² Contractor to Develop a Project

Contact a participating Me² contractor to develop an eligble project. The Me² contractors are listed by the work they perform. If you don't know which improvement your home needs, select a "Full Service" Contractor. Full Service contractors can perform energy assessments to help identify what projects best suit you and your home. 

3. Close your Me² Loan at Summit Credit Union

After you receive a bid from a Participating Me² contractor, bring the contractor bid, Me2 Project Detail Form, and employment verification to your local Summit Credit Union to close the loan.

Not pursuing a Me² Loan? Skip this step and continue to submit your incentives. 

4. Complete the Project and Submit Incentives

Once a Me² Participating Contractor completes your qualifying energy improvements, you and your contractor complete the Completion Certificate and upload it to your Summit online account or email it to me2lenders@summitcreditunion.com.

To receive Me2 bonus incentives, send a copy of the Project Detail form, your Me2 Completion Certificate and your Focus on Energy approval letter for Tier 2 incentives to Me2@Slipstreaminc.org or mail to: Me2 Program, 431 Charmany Drive Madison WI 53719

Complete applications must be received within 60 days of project installation.

5. Enjoy the Benefits

Me² helps you take some of the dollars you are wasting on high energy bills and put them into energy-saving home improvements. Insulation, air sealing, windows, and new furnaces and boilers can help you save energy while making your home more comfortable, safe, and quiet.

Incentives are paid by check 6-8 weeks after project completion and all paperwork has been received and approved.

Program Benefits

Me² helps you take some of the dollars you are wasting on high energy bills and put them into energy-saving home improvements. Insulation, air sealing, windows, and new furnaces and boilers can help you save energy while making your home more comfortable, safe, durable, and quiet. Homeowners who have had their home inspected, insulated, and air sealed through Me² have averaged a 30% reduction in energy use.  Contact one of our Participating Me2 Contractors to find out how much you can save.

In addition to improving your home, working through Me² is great for Milwaukee. All Participating Me² Contractors are committed to putting Milwaukee residents to work and saving energy in your home reduces air pollution that can lead to respiratory problems and contribute to extreme weather events from climate change.

Me² Property Eligibility

You are eligible for energy-efficiency incentives if your home meets the following criteria:

• Your property is located within the City of Milwaukee.
• Single-family home, duplex, or triplex (3 units or less)
• Owner of building must be listed as an individual and not as a trust, LLC, or form of business (Me² loan customers only)
• No delinquent property taxes due to the City of Milwaukee. (Me² Loan only)
• Work must be performed by a Participating Me² contractor. Me² cannot finance do-it-yourself projects.  

Usted es elegible para los incentivos de energía-eficiente y financiamiento si su casa cumple con los siguientes criterios:

• Localizada dentro de la Ciudad de Milwaukee
• Ocupada por el propietario de casa o no ocupada por el propietario de casa*, casa de una familia, duplex, o triplex (3 unidades o menos).
• El propietario del edificio debe ser catalogado como un individuo y no como un fideicomiso, LLC, o forma de un negocio
• No deber impuestos de la propiedad a la Ciudad de Milwaukee
• Me2 no se basa en ingresos
* Opciones de financiamiento y reglas del programa pueden ser diferentes para casas que no están ocupadas por el propietario.

Loan Terms and Eligibility     

The City of Milwaukee is pleased to partner with Summit Credit Union to help Milwaukee homeowners finance energy saving improvements. Me² financing helps you pay for your home upgrades in affordable monthly payments as you save on your energy bill.  Summit Credit Union offers low-interest loans that do not require home equity.

•  Loan Size: Up to $15,000
•  Interest Rate: Low-Interest Fixed Rate 
•  Terms: Up to 15 years
•  No down payment
•  No home equity required
•  Summit pays your contractor directly after you sign off that the work was completed
•  Fees: No penalties for early payment

In general, qualified loan applicants will:

• Meet property eligibility requirements
• Be employed for the past 12-24 months
• Have a debt to income ratio less than 45%
• No minimum credit score requirement. Applicants with lower credit scores must have a longer recent employment history and lower outstanding debt obligations.

Click here for more information regarding terms, interest rates, or eligibility. 

"At Summit, we have a passion for empowering people to improve their financial well-being and believe anyone can be financially successful. Helping you secure a bright financial future is our highest goal!"

Eligible Improvements

With Me², you can finance primary energy efficiency improvements and a limited number of supporting safety improvements.
 

ENERGY STAR^® Rated Windows

Attic & Wall Insulation

Air Sealing

High Efficiency Hot Water Heaters, Heating & Cooling Equipment

• High efficiency furnaces and furnace/air conditioning combo packages (95%+ efficiency)
• High efficiency boilers (95%+ efficiency)
• High efficiency air conditioners (SEER 14+)
• High efficiency water heaters                                                                    (storage EF .67+; condensing storage TE 90+;  tankless EF .82+)

Furnaces & boilers must be eligible for incentives from the statewide Focus on Energy program

Geothermal Heat Pumps (EER 15+)

Supporting Safety Improvements

Up to 20% of the Summit loan on each project may be for support measures that are necessary to install the primary energy efficiency measures or otherwise contribute to energy efficiency in the home. These include but are not limited to electrical upgrades, asbestos/vermiculite removal, oil tank removal, minor roof repair, minor carpentry work such as creating attic access, mechanical ventilation, and window or door replacements.

Insulation, air sealing, attic ventilation, and other "whole house" improvements must be completed under the Home Performance with ENERGY STAR^® program. For these services, contact a Participating Me² contractor with the “Full Service” or “Insulation/Air sealing” symbol.


Mejoras Elegibles

Deben ser instalados por Contratistas Participantes con Me2. Ver smartenergypays.com para una lista completa

• Aislamiento térmico de ático y pared
• Sellado de aire (impermeabilizar y sellar los huecos que permiten
la entrada del aire exterior)
• Enfoque en Energía son elegibles Equipos de Calefacción, Refrigeración y de Ventilación
• Bombas de Calor
• Apoyando las mejoras de seguridad

Windows and Energy Efficiency

New energy efficient windows save energy as compared to older or single pane windows. Information on selecting ENERGY STAR® rated windows can be found at the Efficient Windows Collaborative™ or by contacting a Participating Me² Contractor.  Windows, however, are not ordinarily the biggest culprit for uncomfortable drafts and wasted energy in the home. Rather, air sealing and insulation through Focus on Energy’s Home Performance with ENERGY STAR program typically provides the most cost effective solutions to saving energy and improving the comfort of your home. 

Participating Me² Full Service or Insulation/Air Sealing Contractors can provide a comprehensive home energy assessment that will identify solutions customized for your home.  Focus on Energy also provides rebates for insulation and airs sealing, but not for windows.  Me² requires that homeowners first have their attic insulated and air sealed to minimum standards prior to, or in conjunction with, financing new windows.  Windows financed through Me² must be installed by a Participating Me² Contractor.

Customers wishing to finance windows through Me² should have their Participating Me² contractor complete this form.

Focus on Energy & New Me² Bonus Incentives

Focus on Energy Incentives 

Focus on Energy is Wisconsin utilities’ statewide energy efficiency and renewable resource program. Focus on Energy is funded by the state’s investor-owned energy utilities, as required by law, and participating municipal and electric cooperative utilities. To participate in Focus on Energy programs, residents or business owners must be customers of a participating utility, such as We Energies.

Focus on Energy incentives for homeowners offers two levels of incentives. "Tier 2 Incentives" offer higher incentives for income-eligible households and require you to complete an application.  Tier 1 Incentives are not based on income and are available directly through your Participating Me² Contractor. See the table below.

New Me² Bonus Incentives

You can pair incentives from the statewide Focus on Energy program with an Me² Loan and New Me² Bonus Incentives! Starting in October 2020, Me² is offering additional incentives for applicants that qualify for Focus on Energy Tier 2 Incentives. 

If you qualify, download the Tier 2 Income Eligibility Application and Guidelines from the Focus on Energy website and submit it directly to Focus on Energy along with the required income documentation. If Focus on Energy approves you for Tier 2 incentives, they will send you an approval letter. Submit a copy of the Focus on Energy Tier 2 approval letter to Me2 along with the Residential Project Detail Form and Me2 Completion Certificate to receive your bonus incentives.

Complete applications must be received within 60 days of installation. Me2 bonus funding is limited and will be paid out on a first come, first served basis. Me2 Bonus Incentives plus Focus on Energy Incentive cannot exceed the cost of the improvement. Me2 bonus incentives are only paid once per household.

2020 Incentive Table

Below is a listing of the current incentives offered in 2020. The incentive amounts are subject to change in 2021 and will be updated as soon as they are available. 

Focus on Energy Tier 2 Self-Screening Tool

Compare your household size and income to the table below to determine if you are eligible for Tier 2 incentives and Me² Bonus Incentives.

Participating Residential Contractors

To finance a project with Me², the project must be completed by a Participating Me² Contractor. All Me² Participating Contractors have agreed to hire local workers on your project and because they are Trade Allies in the Focus on Energy program, they can help you get rebates on qualifying projects.

Homeowners may select any contractor from this list to complete their Me² qualifying project and are encouraged, but not required, to get more than one bid for service.

The City of Milwaukee, the Me² program, and Summit Credit Union:

• Do not endorse any particular installation contractor, engineering firm, manufacturer, product, or system design by this offering.

• Make no representation or warranty and assume no liability with respect to the quality, safety, performance, or other aspect of any design, consulting, product, system, equipment, or appliance installed or received and expressly disclaim any such representations, warranties, and liability, including, but not limited to, any implied warranties of merchantability or fitness for a particular purpose. Please contact your contractor for detailed manufacturer equipment warranties.

• Recommend that you read and adhere to Homeowner Consumer Tips.

• Do not guarantee that installation and operation of energy efficient equipment will result in reduced usage or in cost savings.

• Are not liable for any damages, including any incidental or consequential damages, arising out of the operation or malfunction of the products, equipment, or appliances or the installation thereof.

Me² strives for good customer service and quality workmanship.

If you have an unsatisfactory experience with a Me² contractor, first seek to resolve the issue directly with your contractor before contacting the Me² program.

Me² Full Service Contractors

These contractors provide services for all Me² qualified projects and are able to access all residential Focus on Energy incentives. These contractors perform home energy evaluations required for insulation and air sealing projects. These contractors may charge a fee for this service. Ask for details.

Full Service Contractors

Insulation Technologies

321 N 25th St, Milwaukee, WI 53233
(414) 732-2234
Master Plumber License #224725

S&E Insulation

6438 W Mill Rd, Milwaukee, WI 53218
(414) 332-3990

Weatherization Services, LLC

1101 W Layton Ave, Milwaukee, WI 53221
(414) 873-4945
Master Plumber License #22399

Me² Furnace, Boiler, and Water Heater Contractors

These contractors provide services for Me² HVAC, boiler and water heater projects and can provide Focus on Energy incentives. A home energy evaluation is NOT required to receive financing and incentives for qualified products in this category.

Furnace, Boiler, and Water Heater Contractors

Action Heating

1011 W Somers St, Milwaukee, WI 53205
(414) 291-5400

Affordable Heating & A/C

4630 S Kinnickinnic Ave, Cudahy, WI 53110
(414) 481-2727
Master Plumber License #224725

Bintz Heating and Sheet Metal

2729 W Carmen Ave, Milwaukee, WI 53209
(414) 463-6490

Rudy Uttke & Sons, Inc

4209 S Howell Ave, Milwaukee, WI 53207
(414) 483-2159

Window Contractors

These contractors provide services related to replacing your home's current windows with Energy Star efficient windows. The contractor must first inspect your home's insulation to ensure it meets minimum standards before windows can qulaify.

Window Contractors

All-Craft

3242 N 93rd St, Milwaukee, WI 53222
(414) 807-2408

Insulation Contractors

These contractors provide services related to upgrading your home's insutlation in the attic or walls. This helps to maintain the temperature in your home and reduce energy waste. 

Insulation Contractors

River City Woodworking

607A S 6th St, Milwaukee, WI 54204
(414) 272-0437

Me² Support Contractors

These contractors provide support services for Me² qualified projects. Up to 20% of a Me² loan can be used for home upgrades such as electrical improvements, asbestos repair, and roof repair. The remaining 80% of a Me² loan must be for primary energy efficiency projects like insulation, air sealing, furnaces, boilers, hot water heaters, or windows.

Support Contractors

Green Energy Insulation Services

1136A S layton Blvd, Milwaukee, 53215
(414) 810-3990

Pieper Electric, Inc

5070 N 35th St, Milwaukee, WI 53209
(414) 462-7700
 

Homeowner Forms

Me2 Project Detail Form

Me2 Completion Certificate

Me2 Window Application Form