For Your Home

You’ll save money on your energy bills, create a more comfortable living space, and feel good doing so. As a leader in sustainable initiatives we've provided over $4.7 million in solar project financing to people just like you.


Types of projects that qualify for an energy loan:

  • Geothermal
  • Insulation, air and duct sealing
  • Efficient heating and cooling systems
  • Water heating systems
  • Windows
  • Solar or wind energy

Want to learn more? Contact an energy loan specialist at 563.382.9661.


Why are we offering this service? Simply stated, it’s all about finding ways to foster sustainability for community members and live our values. It seems like a win-win for all who want to participate.

Leaders in Sustainability Commitment

Providing eco-friendly services, maintaining efficient facilities and using practices such as recycling is a part of who we are.

We recognize being a good steward of the environment is more than recycling paper. We are positioned to lead the way in terms of sustainability because it’s the right thing to do. You’ll see that we are working to:
Make the environment more sustainable.

From our energy conservation efforts and eco-friendly building features to upgrading equipment, our company is constantly working to improve our environmental sustainability efforts.

Make our communities more sustainable.
Through our involvement with homeowners, business owners, and local initiatives, it’s clear that our Bank and employees are passionate about improving our community.

Sustainability history highlights


Installed a 32 kw solar canopy in Decorah Bank’s new employee parking lot in November 2017. This solar array offsets electricity equating to the use of 3 average-sized homes. The new parking lot includes a rainwater runoff design and will provide 23 parking spaces for our growing staff. Community members and visitors are welcome to use the employee bank parking lot after business hours.

Cresco Bank & Trust is involved in the development and financially supportive of the Howard County Energy District initiative. The Energy District’s mission is to provide a clean renewable transition with a strong ethic of stewardship, efficiency, and rural vitality.


Installed a 37.5 kw PV solar array on the roof of our facility in Cresco. Together with our Decorah facility, we have reduced our consumption by 25%.  Now that we are making more of our own renewable power, we will reduce our consumption of power produced at coal-burning plants even more.


Added solar power energy meter to measure energy production in Decorah.

Remaining lighting was converted to LED, making our facilities nearly 100% LED!

Introduced Energy Efficiency/Renewable Energy Loans to provide energy-efficient solutions for consumers.


Began purchasing Solar Renewable Energy Credits (SRECs) from Luther College’s new solar array through Winneshiek Energy District. This is estimated to further reduce our carbon footprint by 41%.

Installed a 21.5 kw PV solar array on the roof of our main facility in Decorah. We estimate we will be producing 8% of our energy consumption in Decorah with our two PV arrays, or roughly enough power for 3 average-sized homes.


Our Cresco Bank & Trust Co. facility became ENERGY STAR certified .

We calculated our carbon footprint to be 643 tons of CO2, a reduction of 28% from 2009.


Purchased Oneota Tags from Winneshiek Energy District. This helped fund energy savings improvements in Winneshiek County.

80% of lighting in Decorah and Cresco facilities was converted to LED. This reduced power consumption for lighting by 50%.


We calculated our carbon footprint to be 898 tons of CO2.


Installed a 2 kw PV solar array on our drive-thru in downtown Decorah. 


Our Decorah facility became ENERGY STAR certified . And was one of only 3200 recipients in the nation at the time. ENERGY STAR is a dynamic government/industry partnership that offers businesses and consumers energy-efficient solutions, making it easy to save money while protecting the environment for future generations.

2005 and 2006

We launched the first monthly eStatement program available in the market. Today 80% of new accounts are opened with monthly eStatements. In doing this, our customers are helping us save over 80,000 sheets of paper and 40,000 envelopes each year. Please contact a personal banker if you would like to receive your statements electronically.

Our two full-service offices, in Decorah and Cresco, were built with features that minimize energy consumption.  View environmental building features.

Features of our buildings include:

  • Recyclable metal roof material
  • Soy-based foam insulation
  • High efficiency LED lighting
  • Occupancy-sensing lighting
  • Automatic plumbing fixtures
  • Recycled tile
  • Computerized set-back heating, ventilating, and air conditioning
  • Durable, light-colored concrete vs. oil based, dark-colored asphalt parking lot
  • Furnishings selected based on renewable materials and green manufacturing practices
  • Efficient geothermal heating/cooling system in Cresco facility
  • Solar panels to offset a portion of energy usage

Daily practices include:

  • Offsetting electrical usage through voluntary participation in Alliant Second Nature program
  • Minimizing after hours lighting, heating and cooling
  • Selecting ENERGY STAR rated computer equipment and appliances
  • Donating older equipment for re-use
  • Using eco-friendly cleaning solutions in building maintenance
  • Recycling destroyed documents, packing material, beverage containers
  • Circulating electronic daily internal reports vs. paper
  • Encouraging customers to use e-statements over paper and mail

How Can You Become Involved?

It’s all part of being one of the forerunners in the eco-friendly movement and passing on what we’ve learned to our community and our customers.

Here’s what you can do:

  • Take advantage of the largest ATM Network in the area as an alternative to traveling to bank’s facilities to transact business.
  • Use Mobile Banking, Online Banking and Bill Pay Services as alternative methods of handling your finances.
  • Use eStatements that are available in Online Banking in lieu of paper statements.

Ready to learn more? See what we can do for you.
Call us at either of our convenient locations to speak with one of our banking specialists.