At South West Credit we understand the importance of protecting our environment and therefore want to reward our members for helping the environment too.
South West Credits Enviro Loan provides a discounted interest rate and establishment fee to members who make their homes more energy efficient. We will also provide financial support to the Glenelg Hopkins Catchment Management Authority to ensure our environment is cared for.
You can use the Enviro loan for upgrades to your home which may include a:
- rain water tank,
- grey water system;
- solar panels;
- watering system;
- added insulation;
- double glazed windows;
- external awnings; or
- white good appliances with a minimum 5 star rating
And our Enviro Loan can also be used to purchase a Hybrid Car!
Did you know that South West Credit offers e-statements? By going paperless and choosing e-statements you can access your accounts 24/7 and do your bit for the environment.
Not only are you helping the environment, but by selecting E-Statements and cancelling you paper statements you are eliminating your risk of mail fraud and identity theft, which unfortunately are becoming more and more common.
So keep track of your finances better and do your bit for the environment and select e-statements today.
Switching is easy, just contact one of our Sales Consultants on (03) 5560 3900 or enquire online
South West Credit has made a strong commitment to environmental best practice and the prevention of pollution in office management and general operations.
Through a process of continual improvement we aim to lead the credit union industry and local community in efficient and effective environmental office practises, providing a role model for others to follow.
Through a philosophy of sustainable business practice we will:
- Identify and manage our environmental footprint, and the associated risks and opportunities;
- Incorporate environmental management considerations into our core business plans and management practices;
- Take a positive approach to reducing our impact and try all available options
- Minimise waste-to-landfill and greenhouse gas emissions;
- Further reduce our consumption of power, water and natural resources;
- Employ environmental considerations in purchasing decisions;
- Commit to either joining or supporting our 'Green Team' to guide the organisation in achieving these goals
- Regularly monitor and report on our environmental performance;
- Continue to identify new areas for improved performance;
- Actively participate in community based environmental projects; and
- Actively promote and encourage the adoption of ecologically sustainable work practices and operations within our organisation and the general community.
We all need to play a part in protecting our environment for future generations, but its hard to know where to start. So here a few ideas on what you can do to help protect our beautiful planet.
- Buy local and seasonal fruits to support local farmers and there production crops.
- Eat Organic Produce. Crops and livestock that are grown and reared naturally are chemical free, often have higher nutrients and minerals that our bodies require, and more importantly, taste better.
- Avoid eating endangered fish, choose not to contribute to the decline of those fish species we know to be in trouble.
- Mulch your garden, this can prevent up to 25% of water loss.
- Water efficient gardening. Plant drought-tolerant or dry-land plants; group plants according to their water needs; add compost and manure to your soil; water in the cool of the day; and capture your rainfall.
- Grow your own food, the carbon emissions from transport and refrigerated storage are a significant contributor to climate change.
- Grow an indigenous garden, by using indigenous plants in your own garden you can create havens for plants, insects, lizards, possums, butterflies and birds, thus enhancing local biodiversity.
- Purchase recycled goods and actively support the reuse of recycled plastics, paper and other materials.
- Buy paper and wood responsibly, ask for wood and wood products that have come from sustainable forests.
- Buy fair-trade food and products to ensure it has been produced through a process that has helped deliver better trading conditions to marginalised producers and workers
- Use non-toxic cleaners. Natural non-polluting alternatives are available to replace many common cleaners and some products such as paints, paint strippers, and other solvent-based products.
- Buy second-hand goods. From an environmental perspective, purchasing second-hand goods extends the life of the thing you are buying and defers or avoids the need for more resources to be used in making a new product.
- Tune your shopping radar to the environment, not surprisingly, moving from the heavily advertised (and high energy and water) product lines will often save you money.
- Avoid products with excessive packaging. Reducing the amount of packaging we purchase not only minimises the amount of waste going to landfill, it can also help reduce our use of natural resources (including water and energy).
- Cultivate energy saving habits, switch off lights if you don't need them; switch off electrical appliances when not in use; use pot lids when cooking; avoid disposable batteries; and then down your thermostat and put a jumper on.
- Cultivate water saving habits, take a shower instead of a bath; rinse dishes in a bucket and use the water on the garden afterwards; don't rinse dishes before using a dishwasher; fix dripping taps and toilets quickly; only do full loads when washing clothes and use cold water when possible.
- Install efficient appliances and fixtures, such as large appliances (-the fridge, clothes and dish washing machines) - and fixtures (- toilets, taps and shower) - that in daily use consume the bulk of our household energy and water.
- Buy renewable electricity. By purchasing 100% renewable electricity you are instantly switching your electricity dollar from a traditional coal-burning power plant to one or a combination of renewable sources of electricity generation (e.g. wind, hydro, biomass and solar), stopping C02 from being released into the atmosphere.
- Harvest and use your rainwater, by capturing and using the rain that falls on our houses (water that currently flows into the storm-water drain) we are taking another step in increasing our water efficiency, and conserving this precious resource.
- Install solar hot water, solar hot water systems are highly efficient in their use of solar energy (sunlight) to hear water.
- Embrace Energy efficiency, install compact fluorescent globes; block the summer heat with blinds or sun shades; rug up in winter; and use your clothes line rather than the clothes dryer.
- Make your renovations green, if you're renovating, explore good design: it can save energy, water and money, while creating a more pleasant living space that's also better for your health.
- Generate your own electricity, if you install solar photovoltaic systems on your home and use them to cover your home electricity needs, you can eliminate the greenhouse gas emissions generated by your household.
- Eco and aid travel. Especially in the developing world, spending time to assist the local people survive, rebuild or protect their natural wilderness is a precious gift and can be an unforgettable experience.
- Local travel. By reducing the energy and emissions required for us to holiday we directly reduce contribution to climate change. Ask your friends for their favourite local attractions, hidden pleasures, fabulous festivals and cosmic adventures.
- Investing ethically considers the investment's impact on society and the environment as well as its profitability
- Reduce and offset car emissions. We must "own" our personal contribution to greenhouse gas emissions and work to address these through reduction and efficiency in our use of fossil fuels.
- Use public transport, trains and trams are 40+ times more energy-efficient than cars (and 90+ times more efficient than aircraft).
- Reduce and offset air travel emissions, try and avoid air travel where possible, it's the least efficient transport mode. If you do travel by air, 'own' your personal contribution to greenhouse gas emissions and be prepared to offset (reabsorb) as much atmospheric C02 as is possible.
- Recycle organic waste, establishing and maintaining the "food waste to compost to soil to food to food waste" cycle is both an efficient practice and a glimpse of the cycles we must learn to respect all around us.
- Cultivate waste reduction habits, being conscious of the social, environmental and financial implications of waste created through our own consumption decisions can better enable you to reduce these impacts.
- Power down. Follow the same energy saving practices you use at home, turn computers off overnight, turn off lights when you leave a room, adjust setting on your equipment to save power.
- Join the green team. Creating or joining committees, idea groups, and Green Teams to focus on and implement pro-environmental change at work can make a real difference
- Make your profession sustainable. As with any change, there will be leaders, opportunities, risks and challenges. However, driving this change will be people who have been open-minded enough to understand our relationship with and responsibility to the environment and astute enough to assimilate this learning into their profession.
- Save paper and forests. Reduce the amount you print; reuse scrap paper for note pads; and recycle paper.
- Buy green office products. Often the shift is minimal, you could buy recycled paper; buy renewable electricity; but the most efficient office equipment; purchase recycled ink and toner cartridges; and reward staff with toxin-absorbing indoor plants.
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© 2012 South West Credit Union Co-operative Limited | ABN 44 087 651 705 | AFSL / Australian Credit Licence 241 258 | BSB 803 073