CEIP in Spruce Grove: 7.5% Toward Your Job and Up to 25 Years to Pay
Spruce Grove charges the highest interest of the three CEIP programs near Edmonton. It also gives the most money toward the job and the longest time to pay it back.
Depending on your project, that trade can work well in your favour. A larger job repaid over many years gets more back from 7.5% and a 25-year term than it gives up to the higher rate. A small, quick replacement may not.
Here’s what the program covers, what the City puts toward the work, and where the queue stands for a Spruce Grove homeowner.
What you get
3.5% interest.
Higher than Sherwood Park's 2% or St. Albert's 1.62%, but still well below most equipment financing. On a long term, what the City puts in matters more than the gap in the rate.
7.5% of the job, from the City.
The biggest percentage anywhere in the region. On a $12,000 furnace and heat pump it's $900. On a $30,000 whole-home project it's $2,250.
Up to 25 years to pay it back.
The longest term available near Edmonton, and long enough to use a boiler's full rated life. You can pay it off early any time, with no penalty.
Nothing to us up front.
The program can cover the full cost of eligible work and advances our deposit directly to us. Jobs run from a $3,000 minimum up to a $50,000 maximum per property.
How the 7.5% actually works
The program’s own wording confuses people, so here’s the plain version.
Think of it as the City making a payment on your loan for you. You never receive the money — the City’s terms say so directly: “the rebate will not be issued to the Participant directly.” It comes off what you owe.
Here's a $12,000 furnace and heat pump:
| Our quote | $12,000 |
|---|---|
| What you pay us up front | $0 |
| What your loan starts at | $12,000 |
| The City's 7.5% | – $900 |
| What you pay back | $11,100, at 3.5% |
Three things to know:
It comes at the end.
You get it after the job is finished, both energy evaluations are done, your completion form is in, and you've signed the updated agreement.
You only get it if you borrow.
It's worked out on the amount you finance. Pay cash for the job instead and there's nothing for it to come off, so you'd be leaving $900 on the table.
It can run out.
The City notes the program runs until the funding is used up, and that it may close earlier than planned. Being early in the queue is the only real protection against that.
To be clear: the 7.5% doesn’t come out of our price. We quote $12,000, you finance $12,000, and the City’s $900 comes off your loan on top of that.
The waiting list
Spruce Grove’s program is full but still taking applications. New applicants go on a waiting list and get processed first-come, first-served as room opens up.
The City also says the program runs until the money is allocated and could close sooner than its four-year plan. If you’re thinking about it, getting in the queue early is the practical move.
Program contact: hello@myceip.ca or 1-888-506-9996.
Where the 25 years matters
The longer term isn’t just a longer payment plan. How long you can finance something depends on how long that equipment is expected to last — and Spruce Grove lets you use the full length.
A high-efficiency boiler is rated for 25 years. In Sherwood Park or St. Albert you’d be capped at 20. In Spruce Grove you can stretch the full 25, which meaningfully lowers the yearly line on your tax bill for a big hydronic or whole-home job.
For a straightforward furnace swap, the term is capped at the furnace’s 16 years no matter where you live — so there, the 7.5% is the bigger draw.
What's covered
Heating and cooling
A high-efficiency furnace, a heat pump (sized to handle at least half your heating), central air conditioning, a high-efficiency boiler, an HRV or ERV, a geothermal heat pump, or an ECM furnace motor.
Water heating
A tankless water heater (financed up to 13 years), a heat pump water heater (15 years), a high-efficiency tank water heater (15 years), or a drain water heat recovery unit (20 years).
Everything has to be ENERGY STAR certified. Any equipment we’d recommend for an Edmonton-area winter already meets the requirements.
Worth noting: air conditioning and tank water heaters are covered in Spruce Grove. Neither is covered inside the City of Edmonton, so don’t assume an Edmonton rule applies here.
The step most people don't expect
Spruce Grove requires two energy evaluations by a certified Energy Advisor — one before the work, one after. We can’t do them for you. Both are conditions of getting your 7.5%, and the second one is a condition of your financing.
The first has to happen before anything gets installed. You pay for it yourself, then ask to have both added to your financing and get that money back once the job is done. So it’s out of pocket for a while, not gone.
Book the Energy Advisor early. It sits at the front of the process and waiting on one is the most common source of delay.
How Spruce Grove compares
Every municipality runs its own version of CEIP. Here is where each one stands.
| Where you live | Interest rate | Toward your job | Most you can borrow | Term | Open today? |
|---|---|---|---|---|---|
| St. Albert | 1.62%never past 3% | $1,400 | 100% of the job | 20 years | Waiting list |
| Sherwood Park | 2% | 5% of the job | Capped at your yearly property tax | 20 years | Closed — waiting list |
| Sturgeon County | 3% | 5% of the job | $50,000 | 20 years | At capacity — waiting list |
| Spruce Grove | 3.5% | 7.5% of the job | $50,000 | 25 years | Full — waiting list |
| Edmonton | 6%fixed | None | $50,000 | 20 years | Nearing capacity — waiting list |
| Leduc | Was about 1.35% blended | Was $1,350 | — | — | Closed to new applications |
| Stony Plain | — | None | — | — | No program |
Figures current as of July 2026. Rates and waiting lists change — confirm with your municipality before planning around a date.
Is this right for you?
Probably yes if:
- Your furnace is old and you're planning ahead
- You can wait a few weeks to a few months for the waiting list and evaluations
- You're doing a bigger project where the 7.5% and the 25-year term really add up
- You're staying in the house a while, or you don't mind passing the balance to a buyer
Probably not if:
- You have no heat right now
- You need this done in the next week or two
- You want the equipment paid off outright with nothing attached to your title
If you’re in the second group, we finance through FinanceIt, which moves quickly and doesn’t involve the City.
What you do pay for yourself
We’d rather say this plainly than let “nothing down” do more work than it should.
You pay us nothing up front. The program advances our deposit straight to us, so we don’t ask you for one. That part really is zero.
Two costs can still come out of your pocket:
The first energy evaluation.
You pay the Energy Advisor yourself before work starts, usually a few hundred dollars. You can add both evaluations to your financing and get that money back after the job, so it comes back to you. But it leaves your account first.
Anything the program won't cover.
If part of the job isn't eligible, or the total runs past your approved amount, you pay us for that portion directly. Work around the equipment, such as venting, electrical or duct changes, is where this usually shows up.
What we provide
Three things, specifically.
A quote your application will accept.
The program only takes estimates from an approved contractor, and the quote has to be detailed enough for the City to work from. You get a properly sized system, a written number, and any part of the job the program won't cover marked clearly.
Guidance at every step.
CEIP has more moving parts than most homeowners expect: the application, two energy evaluations, the completion form, the deadlines. We walk you through the order things happen in and point you toward a certified Energy Advisor for your evaluations.
The install, done properly.
Sized for your home, installed to program specification, and documented so your final evaluation passes cleanly. By a company that will still be here in ten years if a warranty question ever comes up.
We’ve been family-owned in the Edmonton area since 1976, we’re rated 4.8 stars across more than 400 Google reviews, and we’re an approved CEIP contractor — which the program requires, and so is any trade we bring with us.
We’ve served Spruce Grove for years. If the waiting list doesn’t fit your timeline, we’ll tell you plainly and walk you through the alternatives.
What we don’t do: run the program, approve applications, or decide who gets funded. That’s the City and Alberta Municipalities. Anyone who tells you they can get your application approved is overselling.
Book a free estimate
The first step is finding out what your home needs and what it costs. That visit is free, takes about an hour, and the written quote is the document your CEIP application is built on.
Want the full picture, including how Spruce Grove compares to the rest of the Edmonton area? Read our complete CEIP guide.
Modern Air & Water is not affiliated with the Clean Energy Improvement Program, Alberta Municipalities, or the City of Spruce Grove, and we don’t administer or approve applications. Rates, amounts, limits and availability are set by the City and change over time. Check sprucegrove.org or ceip.abmunis.ca for current details. Figures current as of July 2026.