Todd-Wadena’s ‘Improve-It’ loan program helps members finance small-scale home improvement projects. The application process is quick and easy. Loans may be approved for air conditioning, dual heat installations, electric fireplaces, lighting upgrades, generators, heat pump installations, insulation, major electric appliances, personal computers, private sewer systems, service upgrades, thermal doors and windows and wells. Loan amounts may range from $500 to $10,000. Interest rates vary quarterly, depending upon the current market.