{"id":17123,"date":"2025-04-07T18:27:47","date_gmt":"2025-04-07T18:27:47","guid":{"rendered":"https:\/\/coastccu1dev.wpenginepowered.com\/?p=17123"},"modified":"2025-04-07T18:28:00","modified_gmt":"2025-04-07T18:28:00","slug":"power-up-home-energy-efficient-upgrades","status":"publish","type":"post","link":"https:\/\/www.coastccu.org\/power-up-home-energy-efficient-upgrades\/","title":{"rendered":"Power Up Your Home with Energy-Efficient Upgrades"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Are you considering some energy-efficient home upgrades to save money? It\u2019s a smart move! The average California household spends around $298 on electricity each month\u2014<\/span><a href=\"https:\/\/www.energysage.com\/local-data\/electricity-cost\/ca\/\"><span style=\"font-weight: 400;\">23% more than the national average<\/span><\/a><span style=\"font-weight: 400;\">. By making a few eco-friendly home upgrades, you can reduce home energy costs significantly while contributing to a greener planet.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><b>Do Your Own Research<br \/>\n<\/b><span style=\"font-weight: 400;\">The amount of money you can save with home-energy improvements depends on a number of factors, many of which are related to where you live. Here are a few key questions to guide your decisions regarding which upgrades are right for you.<\/span><\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>What are the upfront costs of the improvement in your local area?<\/b><span style=\"font-weight: 400;\"> Consider the price of the materials and installation expenses.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Are there any rebates, tax credits, or incentives available?<\/b><span style=\"font-weight: 400;\"> Be sure to stay informed about potential government policy changes.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>How will this upgrade affect your home\u2019s value?<\/b><span style=\"font-weight: 400;\"> Look at comparable home sales in your region to see what energy-efficient features influence market value.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Will you be in your home long enough to get a good return on your investment? <\/b><span style=\"font-weight: 400;\">If you plan to move soon, consider how much you can recoup in the short term.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>How much will this improvement help your budget?<\/b><span style=\"font-weight: 400;\"> Calculate potential savings to see if the investment is worth it.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Are there more affordable alternatives?<\/b><span style=\"font-weight: 400;\">\u00a0Sometimes, a simpler upgrade can deliver similar benefits at a lower cost.<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><b>Get a Home Energy Audit<br \/>\n<\/b><span style=\"font-weight: 400;\">Before you make any plans regarding home improvements, start with a home energy audit, which identifies areas where your home is wasting energy. If you\u2019d like to do your own audit, check out the U.S. Department of Energy\u2019s <\/span><a href=\"https:\/\/www.energy.gov\/energysaver\/do-it-yourself-home-energy-assessments\"><span style=\"font-weight: 400;\">Do-It-Yourself Home Energy Assessments<\/span><\/a><span style=\"font-weight: 400;\">. However, for a much more thorough analysis of your home\u2019s energy use, hire a certified energy assessor. Get recommendations for finding one by visiting <\/span><a href=\"https:\/\/www.energy.gov\/energysaver\/professional-home-energy-assessments\"><span style=\"font-weight: 400;\">Professional Home Energy Assessments<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><b>Weigh Your Options<\/b> <span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">As you research which energy-efficient home upgrades are right for you, here are some options to consider:\u00a0<\/span><\/p>\n<p><b>Add Sealing and Insulation <\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\">No matter where you live, your home can probably use more insulation! In fact, <\/span><a href=\"https:\/\/www.energystar.gov\/sites\/default\/files\/2024-10\/2024%20Insulation%20Factsheet.pdf\"><span style=\"font-weight: 400;\">nine out of ten U.S. homes<\/span><\/a><span style=\"font-weight: 400;\"> don\u2019t have enough. <\/span><span style=\"font-weight: 400;\">If you add insulation and seal air leaks around your home\u2014including weather stripping on doors and caulking around windows\u2014you could save up to <\/span><a href=\"https:\/\/www.energystar.gov\/saveathome\/seal_insulate\"><span style=\"font-weight: 400;\">10% on your yearly energy bills<\/span><\/a><span style=\"font-weight: 400;\">.\u00a0<\/span><\/p>\n<p><b>Install Smart-Home Technology <\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\">Make technology your ally in saving money! For example, a smart thermostat, which can automatically adjust the temperature when no one is home, can <\/span><a href=\"https:\/\/www.energystar.gov\/products\/heating_cooling\/smart_thermostats\/smart_thermostat_faq#:~:text=How%20much%20will%20the%20average,%2Fcooling%20(HVAC)%20equipment\"><span style=\"font-weight: 400;\">lower your heating and cooling expenses by about 8%<\/span><\/a><span style=\"font-weight: 400;\">. With other types of smart-home automation, you can control your lighting, monitor energy use, and more\u2014all from your smartphone.<\/span><\/p>\n<p><b>Upgrade to Energy-Efficient Appliances<\/b> <span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">Look for the ENERGY STAR label, which shows that an appliance has been independently verified to meet rigorous energy-efficiency standards. <\/span><span style=\"font-weight: 400;\">For example, <\/span><span style=\"font-weight: 400;\">washing machines with this label <\/span><a href=\"https:\/\/www.energystar.gov\/products\/clothes_washers\"><span style=\"font-weight: 400;\">use about 20% less energy<\/span><\/a><span style=\"font-weight: 400;\"> than regular washers. A wide variety of ENERGY STAR products are available\u2014everything from televisions to pool pumps.<\/span><\/p>\n<p><b>Put in Energy-Efficient Windows<\/b><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">Your current windows may account for <\/span><a href=\"https:\/\/www.energy.gov\/energysaver\/update-or-replace-windows\"><span style=\"font-weight: 400;\">25-30% of your home\u2019s heating and cooling expenses<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><span style=\"font-weight: 400;\"> The average California household that replaces single-pane windows with energy-efficient windows can expect to <\/span><a href=\"https:\/\/www.energystar.gov\/ia\/partners\/manuf_res\/windows\/ES_Windows_Cost_Energy_Savings.pdf\"><span style=\"font-weight: 400;\">save about $125<\/span><\/a><span style=\"font-weight: 400;\">\u2014and it\u2019s even more for people who live in Arcata. They can save an <\/span><a href=\"https:\/\/www.energystar.gov\/ia\/partners\/manuf_res\/windows\/ES_Windows_Cost_Energy_Savings.pdf\"><span style=\"font-weight: 400;\">average of $160 a year<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><b>Invest in Solar Panels<\/b> <span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">A U.S. homeowner with rooftop solar panels can expect to save about <\/span><a href=\"https:\/\/www.energy.gov\/eere\/solar\/benefits-rooftop-solar-energy#:~:text=Total%20savings%20differ%20based%20on,even%20higher%20total%20consumer%20savings.\"><span style=\"font-weight: 400;\">$50,000 over 25 years<\/span><\/a><span style=\"font-weight: 400;\">\u2014the usual lifespan of the panels. A Californian can expect to recoup the cost of their system <\/span><a href=\"https:\/\/www.energysage.com\/solar\/understanding-your-solar-panel-payback-period\/\"><span style=\"font-weight: 400;\">in a little more than five years<\/span><\/a><span style=\"font-weight: 400;\">\u2014after factoring in the federal tax credit. Plus, with <\/span><a href=\"https:\/\/www.nerdwallet.com\/article\/mortgages\/nem-3-0?utm_source=goog&amp;utm_medium=cpc&amp;utm_campaign=mr_mktg_paid_041223_mortgage_dsa:lo&amp;utm_term=adgrp_articles_148791112020&amp;utm_content=c&amp;mktg_hline=148791112020&amp;mktg_body=655074697829&amp;mktg_place=dsa-2073031996717&amp;mktg_link=&amp;gclsrc=aw.ds&amp;gad_source=1&amp;gbraid=0AAAAADR9tpiolQmbNXpffMH7P81lxI_fc&amp;gclid=Cj0KCQjwhYS_BhD2ARIsAJTMMQYR0yTHTMVac5DKDcfdjqFaxpYfppKi4oi42hhq9c7rQsGwRv0NRJgaApBVEALw_wcB\"><span style=\"font-weight: 400;\">net metering<\/span><\/a><span style=\"font-weight: 400;\">, you can sell excess energy back to your utility company.\u00a0<\/span><\/p>\n<p><b>Set Up a Home Energy Storage System<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\">Instead of selling your excess solar energy, you can store it for later use with a whole-house battery. You can also charge your battery directly from the grid. If you live in an area with time-of-use (TOU) electricity rates, a battery can <\/span><a href=\"https:\/\/www.energysage.com\/energy-storage\/\"><span style=\"font-weight: 400;\">store energy when rates are low<\/span><\/a><span style=\"font-weight: 400;\"> for use when rates are more expensive. It\u2019s also very useful during a power outage!<\/span><\/p>\n<p><b>Finance Your Upgrades with a HELOC from Coast Central<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\">Start your journey to a greener, more cost-effective home today! Get a\u00a0Home Equity Line of Credit (HELOC)<\/span> <span style=\"font-weight: 400;\">from Coast Central. You can borrow money as needed, just like a credit card, without committing to a large lump sum. Plus, you\u2019ll get lower interest rates than you would with a credit card or personal loan.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In celebration of Coast Central\u2019s 75<\/span><span style=\"font-weight: 400;\">th<\/span><span style=\"font-weight: 400;\"> anniversary, take advantage of a limited-time, low-rate HELOC offer: 3.75% APR* promotional rate, in effect for nine months, with no points and no fees. (The current variable rate is 7.50% APR*.) The deadline to apply is June 30, 2025. <\/span><a href=\"https:\/\/www.coastccu.org\/heloc75\/\"><span style=\"font-weight: 400;\">Apply today!<\/span><\/a><span style=\"font-weight: 400;\"> We\u2019re <\/span><a href=\"https:\/\/www.coastccu.org\/member-assistance\/\"><span style=\"font-weight: 400;\">happy to answer any questions<\/span><\/a><span style=\"font-weight: 400;\"> you have!<\/span><\/p>\n<p><b>Coast Central \u2013 Where YOU are central.<\/b><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\"><img loading=\"lazy\" decoding=\"async\" class=\" wp-image-17126 alignleft\" src=\"http:\/\/www.coastccu.org\/wp-content\/uploads\/2025\/04\/180x180EqualHousingLenderBlack.png\" alt=\"\" width=\"52\" height=\"53\" srcset=\"https:\/\/www.coastccu.org\/wp-content\/uploads\/2025\/04\/180x180EqualHousingLenderBlack.png 180w, https:\/\/www.coastccu.org\/wp-content\/uploads\/2025\/04\/180x180EqualHousingLenderBlack-150x150.png 150w, https:\/\/www.coastccu.org\/wp-content\/uploads\/2025\/04\/180x180EqualHousingLenderBlack-110x112.png 110w\" sizes=\"auto, (max-width: 52px) 100vw, 52px\" \/>*All loans subject to approval of credit, income verification and property valuation. APR is Annual Percentage Rate, and 3.75% is the current promotional APR for new primary residence (not manufactured homes) home equity lines from $25,000 up to $200,000, and 80% combined loan-to-value (CLTV). After 12\/31\/25, the APR will adjust to the variable rate offered at that time, which may not increase more than 6% over the non-introductory start rate (note rate). The minimum rate may not decrease below 3.50% after any introductory period has elapsed. A $25,000 draw required at loan closing. 10-year draw and 15-year amortization terms. No-fee offer is not applicable for third party fees such as sub-escrow, other miscellaneous title fees or professional appraisal charges which may be required. Minimum 650 FICO score required. Home Equity Lines of Credit are also available on non-owner-occupied properties with different rates. Additional terms and conditions may apply.\u00a0<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Are you considering some energy-efficient home upgrades to save money? It\u2019s a smart move! The average California household spends around $298 on electricity each month\u201423% more than the national average. By making a few eco-friendly home upgrades, you can reduce &hellip;<\/p>\n","protected":false},"author":21,"featured_media":17128,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_searchwp_excluded":"","footnotes":""},"categories":[14],"tags":[],"class_list":["post-17123","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-accounts-loans-posts"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.0 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Power Up Your Home with Energy-Efficient Upgrades - Coast Central Credit Union<\/title>\n<meta name=\"description\" content=\"Are you considering some energy-efficient home upgrades to save money? It\u2019s a smart move! 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