June 4, 2026

SMECO: Learn About EmPOWER MD Programs

Southern Maryland Electric Cooperative residential programs offer opportunities for home energy efficiency upgrades. If SMECO customers choose to make any of these upgrades, ask a tax professional whether your energy-saving home improvements might qualify for any federal or state tax credits. Tax credits may be available for energy-saving projects such as HVAC system replacement, heat pump water heater installation, sealing air leaks, and more.

Learn how EmPOWER can help you save and stay warm.

The Maryland Department of Housing and Community Development assists eligible households by providing improvements to the home that can help lower utility bills and make the home more comfortable at no additional cost. Both renters and homeowners are eligible to apply.

Call 1-855-583-8976 or go to dhcd.a.gov/empower.

EmPOWER Maryland programs are funded by a charge on your energy bill. EmPOWER programs can help you reduce your energy consumption and save you money.

To learn more about EmPOWER and how you can participate, go to smeco.coop/save.

Explore Financial Options

  • Income-Eligible Programs — Qualifying members can get no-cost home repairs and improvements from the Department of Housing and Community Development.
  • BeSMART Energy Efficiency Financing — Cover the upfront costs of energy-saving upgrades. Get a loan of up to $30,000 at 4.99% interest for a 10-year term.
  • Clean Energy Advantage Loan — Make your home improvements more affordable with a low-interest loan. Borrow at 0% interest for the first 12 months.

Federal and State Tax Credits

For more information, visit the following:

Energy Star Federal Tax Credits

Maryland Tax Credits

Maryland IRA Rebates

SMECO – The Cooperative Difference

SMECO was incorporated in 1937 and is one of the 15 largest electric cooperatives in the United States with more than 170,000 member accounts in Charles County, St. Mary’s County, southern Prince George’s County, and most of Calvert County.

Electric cooperatives are shaped by the communities they serve, because co-ops are owned by their customers. Co-op members elect the men and women who serve on the Board of Directors. Members share the responsibility of ownership by financing the cooperative’s operations, but they also share its rewards.

At the end of each year, SMECO’s margins (profits) are allocated to members’ capital credit accounts. SMECO uses its profits to invest in new construction, system improvements, and facility upgrades. The Board of Directors regularly evaluates the financial condition of the co-op and determines when members will receive a refund. Since 1937, SMECO has refunded more than $128 million.

As a cooperative, SMECO will always put its members first and be responsive, reliable, and resourceful — the power you can count on.

Follow SMECO on Facebook at www.facebook.com/SMECO.coop and on X at www.twitter.com/somdelectric.

The SMECO 24/7 mobile app is available at www.smeco.coop/247. To learn more about SMECO, visit their Leader Member Page.

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