Savings Within Reach

Put savings within your reach with a $550 cash incentive.

Savings Within Reach, offered through Energy Trust of Oregon, makes it easier for moderate-income Oregon households to make energy-efficiency upgrades and home improvements.

Participating Savings Within Reach contractors, who install a 90 percent AFUE or greater natural gas furnace in your home, deduct $550 from your invoice so you can reduce out-of-pocket expenses. Gas furnaces used as backup for high-efficiency heat pumps, also known as hybrid systems, are not eligible.

Savings Within Reach On-Bill Repayment

Get energy-efficient upgrades now with easy, low-cost financing repaid through your NW Natural bill.

Savings Within Reach customers may apply for a 10-year Craft3 loan with a 5.99% interest rate (loan is 5 years for loans of $2,000 or less) for specific energy-efficiency improvements that receive Energy Trust incentives. The maximum loan amount is $7,500 and the length of the loan depends on the amount borrowed. Once approved for the loan, your monthly payment will appear on your energy bill after the project is complete.

Allowable Upgrades and Maximum Loan Amounts

Maximum loan amount is determined by which Energy Trust eligible measures are performed.*

Up to $5,000 Up to $6,000      Up to $7,500
Attic, wall or floor insulation           Gas furnace

Any combination of incentives that are eligible
for Energy Trust incentives

Gas tank water heater    

*Maximum loan amount varies from $5,000 to $7,500 and is determined by the number of upgrades that qualify for Energy Trust incentives. 


Loan Rates & Terms

Loan Amount          

Up to $7,500

Interest Rate

6.49% APR**


Up to 10 years

Loan Fee


Recording Fee



$5,000 loan at 6.49% APR
120 payments of $56.75 per month

**Annual Percentage Rate. Loan availability, terms and conditions current as of 02/15/19 and are subject to change. Visit for latest terms and eligible measures. All loan applications are subject to credit and project approval. Applicants must be a customer of a listed participating utility. Loans are secured by a UCC-1A filing recorded with the county. Subordination may be available with lender approval, fees may vary. Principal balance and interest is due on sale, transfer, refinance or maturity. Examples include financing of Loan Fee and Recording Fee.

Who can participate in Savings Within Reach?
  • Owner-occupied single-family or manufactured homes in Oregon. (Must own land where home is located. Manufactured homes on leased land not eligible.)
  • Residence must be heated with natural gas provided by NW Natural.
  • Your household must meet Energy Trust of Oregon’s low to moderate-income guidelines, which are based on the number of residents and gross annual income—your total income before tax credits and deductions—of the home.

Savings Within Reach moderate-income guidelines

Gross annual income.

Household size            Minimum            Maximum           
1 person  $23,095 $54,240
2 people  $30,201           $62,040
3 people  $37,307 $69,720
4 people  $44,413 $77,520 
 5 people $51,519  $83,760
 6 people $58,625 $89,880
 7 people $59,958 $96,120 
 8 or more $61,290           $102,360

Special qualification rules and restrictions apply. Incentive offers are subject to funding availability and may change.

The following NW Natural Preferred Contractors participate in Savings Within Reach. Each contractor offers the Savings Within Reach $550 incentive to eligible Oregon households in addition to the NW Natural Furnace Campaign incentives for those converting their current heating system to natural gas or to NW Natural customers interested in upgrading their current heating system to high efficiency.

Ask your NW Natural Preferred Contractor about on-bill repayment.


Advanced Heating
Anctil Heating
Budget Heating
Carson Heating
Central Air
Clawson Heating
Columbia Heating & Cooling
Columbia NW Heating
Cost Plus Heating
Evergreen Gas
First Call Heating and Cooling
Heat Relief
Honke Heating
Irvington Air
Jacobs Heating
Midway Heating
Pioneer Gas
Pyramid Heating
Robben & Sons Heating
Service Now
Sun Glow Heating
Sunset Heating
The Heating Specialist
Wolfer’s Heating


Advantage Heating & AC
Day Heating
Focus Heating
Melton’s Heating & AC
Salem Heating and Sheet Metal
Wolfer’s Heating
Woodward Heating


Day Heating
Mike's Heating and Air Conditioning


Associated Heating
Comfort Flow Heating


Diamond Heating
P&L Johnson Mechanical

Lincoln City

Groth Gates Heating
Robben Heating

Coos Bay

All Weather Heating
Pacific Air Comfort
RHR Heating

The Dalles

Sky Heating - Dalles
Honke Heating - Dalles


Getting started

Would you like a contractor who is participating in the NW Natural Preferred Contractor Alliance and Savings Within Reach to contact you for a free in-home consultation? Just click the Find a Contractor link below, enter your zip code, new equipment, and choose Furnaces as your equipment type. Then select one of the Savings Within Reach contractors (listed above) you would like to meet with by clicking on the Contact link in their business card listing. Your chosen contractor will call you to set up an appointment.

Find a Contractor »

For additional information, contact Energy Trust of Oregon at 866-368-7878 with income qualification questions or other details regarding Savings Within Reach.