SMUD Energy Efficient Loans

Solar panels on a house to show energy efficiency.

Welcome SMUD Energy Efficiency Loan Customers!

Welcome to Five Star Bank! We appreciate the opportunity to continue supporting your financing needs related to energy efficiency upgrades to your home or business. Now that your loan has been transferred, payments for your Energy Efficiency Loan need to be sent to Five Star Bank. All other terms and conditions, including your loan number, payment amount and due date will remain the same. Only the payee and payment address change.

Payment Instructions:

For your convenience, Five Star Bank provides several ways to make your loan payment:

Pay Online
Pay your statement online by clicking the link below. You will be asked to create a username and password.

ACH Direct Debit 
Save time and a postage stamp. We can debit your checking or savings account directly to ensure your payment is made securely and on time each month. To enroll, please complete and return the ACH authorization form.

By Mail
Please mail checks to our payment processing center:
Five Star Bank
P.O. Box 513656
Los Angeles, CA 90051-3656

Bill Pay 
If you are currently using an online service or third-party bill pay service to make your loan payment, please change your payment instructions to the “By Mail” information above.

In Person
We accept payments at the following branches in the Sacramento region. PLEASE NOTE: Five Star Bank locations are open 9:00 AM to 4:00 PM, Monday through Friday (excluding holidays):

2240 Douglas Blvd., Suite 100
Roseville, CA 95661

2400 Del Paso Road, Suite 100
Sacramento, CA 95834

3100 Zinfandel Drive, Suite 100
Rancho Cordova, CA 95670

9250 Laguna Springs Drive, Suite 102
Elk Grove, CA 95758

If you have any questions about your loan or the transfer of servicing, please contact us Monday through Friday between 8:00 AM and 4:00 PM:

Five Star Bank
Consumer Loan Servicing
3100 Zinfandel Drive, Suite 100
Rancho Cordova, CA 95670
Toll Free: (877) 379-8635

CONTACT a member of the Consumer Loans Servicing Team, Monday through Friday, 8:00 AM to 4:00 PM:
(877) 379-8635

FAQ's related to SMUD Energy Efficiency Loans:

  • Customers can bring payments to the nearest Five Star Bank banking office (located within the County of Sacramento) during normal operating hours. 
  • Customers can mail payments to the bank’s payment processing facility: Five Star Bank, P.O. Box 513656, Los Angeles, CA 90051-3656.
  • The bank will mail you a form to set up automatic payments from your checking or savings account at your current bank.
  • Customers can download the ACH form from the bank’s website.
  • Customers who use a bill pay service with their current bank can set up automatic payments to Five Star Bank. Refer to the payment instructions above.
Statements are issued 15 days prior to the loan’s next payment due date. Please keep in mind that mail times may vary.
Customers will receive a “Notice of Transfer” letter from SMUD and a subsequent “Welcome Letter” from Five Star Bank. The bank’s “Welcome Letter” is mailed approximately 7 days after SMUD mails its “Notice of Transfer.” Please keep in mind that mail times may vary.
  • The SMUD Energy Efficiency Loan agreement specifies that a late fee will not be assessed until 15 days after the payment due date.
No, there are no fees or penalties for paying off a loan early.
  • Yes, the bank will provide an interest paid notice at the end of the year.
  • Customers will also receive a statement from SMUD for the interest paid (to SMUD) prior the loan’s transfer to Five Star Bank.
  • No, Five Star Bank of California is not related to, nor affiliated in any way with Five Star Bank in New York.
  • When setting up payments, please be sure to use routing number 121143037.
  • The Bank’s web address is