Clean Energy Credit Union Staff
Clean Energy Credit Union Staff
Clean Energy Credit Union Staff
Clean Energy Credit Union Staff

Leading with Culture and Capital at the Clean Energy Credit Union 

I grew up in a multigenerational household in a low-income neighborhood in Albuquerque, New Mexico. My grandmother immigrated from Mexico at age 16, became a U.S. citizen at 31, and never advanced beyond an eighth-grade education. Yet she possessed a remarkable wisdom about perseverance, gratitude, and making the most of every opportunity. Sustainability wasn’t a trend in our household; it was a necessity. We conserved water, turned off lights, repaired what we could, and passed clothes down through the family. Those lessons taught me that resources should be valued, communities should support one another, and the right opportunities can change lives. 

Terri's Grandmother

As the granddaughter of an immigrant who became a citizen through determination and sacrifice, I have always believed that financial institutions should expand opportunity, not create barriers to it. Those experiences shaped my leadership style and how I view traditional banking practices. Too often, financial institutions prioritize fee income and short-term profits over long-term relationships and community impact. I have always believed finance can be both ethical and financially successful. 

My career in New Mexico credit unions reinforced that belief. As a Latina CEO in an industry where Hispanic women remain significantly underrepresented in executive leadership, I recognize how much our lived experiences shape how we lead. Throughout my career, I saw firsthand how deeply personal finances can be, particularly in Hispanic communities where people often carry a strong sense of responsibility to their families and may hesitate to seek assistance.  

What attracted me to the credit union movement was the chance to build something different. At Clean Energy Credit Union, a Certified B Corporation, we believe financial institutions should help people build stability rather than profit from financial hardship. As a B Corp, we are committed to balancing financial performance with accountability to our members, employees, communities, and the environment. 

That philosophy is reflected not only in what we finance but in how we operate. We have successfully built our business without relying on NSF and overdraft fees that often fall hardest on people who can least afford them. Instead of generating revenue from financial mistakes, we focus on helping members build healthy financial habits and long-term financial stability. We apply that same people-first approach internally by providing fully employer-paid health, dental, and vision coverage. We believe treating both members and employees with dignity creates stronger relationships, better service, and a more sustainable institution.  

That same mission-driven approach extends to the products we offer and the impact we seek to create through clean energy finance. 

Family standing in front of a solar array with Clean Energy shirts

Clean Energy CU offers specialized financing for solar installations, geothermal systems, EVs, and green home upgrades. Unlike traditional banks, our lending products are specifically designed around the economics of clean energy adoption. We understand incentives, energy savings, contractor relationships, and the long-term financial benefits these projects create. Our goal is to make clean energy affordable, accessible, and financially beneficial for more families. 

Sign up for our biweekly Ejournal

Global Events Calendar

Latest Cimate & Energy News

Featured Video

Sustainability News from 3BL

This matters because millions of Americans face significant energy burdens. Many families are forced to choose between paying utility bills, purchasing groceries, or filling prescriptions. These challenges disproportionately affect low- and moderate-income households and communities of color. For us, addressing energy burdens is not simply an environmental issue. It is an economic justice issue. 

For many consumers, it is equally important to know where their deposits are going. Traditional financial institutions often provide little visibility into how deposited funds are deployed. At Clean Energy CU, our 100% clean-energy recycling model ensures member deposits are used to support our mission. Deposits fund loans for solar projects, energy efficiency improvements, geothermal systems, electric vehicles, and other climate-friendly solutions. Rather than financing fossil fuel development, our members’ money supports projects that reduce emissions, lower household costs, and strengthen communities. 

Family with EV truck

Clean energy investments can reduce monthly expenses while increasing property values, but not everyone has had an equal opportunity to benefit from them. We work to expand affordable financing through partnerships with organizations and programs designed to serve underserved communities. Collaborations with programs such as NYSERDAMaryland Clean Energy Advantage, and Driving Clean Assistance Program (DCAP) help make financing more accessible to borrowers who may not be well served by traditional lenders. We believe clean energy should not be limited by zip code, income level, or background. 

Nearly ten years after opening our doors, our growth demonstrates both demand and impact. What began as a mission supported by donations and three employees working tirelessly to launch a new kind of financial institution has grown into a nationally serving credit union with approximately $130 million in assets and more than 40 employees. Along the way, we expanded from savings accounts and solar loans to offering checking accounts, IRAs, youth accounts, EV financing, green home improvement loans, and partnerships across the country. 

Yet we believe our greatest impact still lies ahead. Our vision remains clear: expanding equitable lending solutions for families, small businesses, nonprofits, farms, and communities recovering from climate-related disasters. While our early work focused on helping consumers invest in clean energy technologies, we increasingly see opportunities to help families reduce energy burdens, strengthen resilience, and invest in solutions that improve both financial and environmental outcomes. We also see an important role for mission-driven financing in helping communities recover and rebuild after climate-related disasters in ways that are stronger, safer, and more sustainable. 

Beyond helping families lower energy costs and build resilience, we see tremendous potential at the intersection of clean energy, workforce development, and entrepreneurship. Small businesses will play a vital role in the clean energy transition, from contractors and installers to emerging innovators bringing new solutions to market. Affordable financing can help entrepreneurs start and grow businesses, create jobs, and bring the benefits of clean energy to communities that have historically been overlooked. Combined with education, technical assistance, and community partnerships, capital can become a powerful tool for economic mobility, local wealth creation, and long-term resilience. That is the future we hope to help build. 

For those who want their money aligned with their values, Clean Energy CU offers more than a place to bank. It reflects a belief that where we choose to save, borrow, and invest can help shape the kind of future we want to create. By directing capital toward solutions that lower costs, strengthen resilience and reduce environmental impact, finance can become a powerful tool for positive change. 

My grandmother taught me that caring about more than yourself is how communities are built. That lesson continues to guide me today. By bringing together culture, capital, and community, we can show that finance has the potential to create a cleaner, more equitable future for generations to come.


Article by Terri Mickelsen, CEO of the Clean Energy Credit Union, a national online credit union dedicated to advancing clean energy adoption through accessible financing solutions.

Terri Mickelsenis the Chief Executive Officer at Clean Energy Credit Union
Clean Energy Credit Union logo

Since joining the organization in 2017 to help secure its federal charter, she has been instrumental in building the credit union from startup to a nearly $130 million institution serving more than 13,500 members nationwide and funding over 200 million in clean energy projects. With more than 35 years of credit union experience, Terri is passionate about financial inclusion, innovation, and helping consumers achieve their financial and sustainability goals. She holds a Bachelor of Business Administration from the College of Santa Fe and has dedicated more than three decades to community service and volunteer leadership. 

Global Events Calendar

Featured Podcast

Sustainability News from 3BL

Sign up for our biweekly Ejournal

Global Events Calendar

Latest Cimate & Energy News

Featured Video

Sustainability News from 3BL

Latest GreenMoney News

Latest GreenMoney News

Impact investing

Climate & Energy

Food & Farming