EmPower NY for households with income at or below 60% of the State Median Income. This program offers free services and a free energy audit. http://www.nyserda.ny.gov/All-Programs/Programs/EmPower-New-York
Assisted Home Performance with ENERGY STAR for households with income between 60-80% of Area or State Median Income, whichever is higher. This program offers a 50% discount on eligible measures. The energy audit is free. http://www.nyserda.ny.gov/All-Programs/Programs/Assisted-Home-Performance-with-ENERGY-STAR
Home Performance with ENERGY STAR for households with income above 80% of the Area or State Median Income. This program offers a 10% discount on eligible measures through August 31, 2016. The energy audit is free or at reduced-cost, based on income. http://www.nyserda.ny.gov/home-performance
For electric cooperative members, the best option would be the Residential Financing Program. The Smart Energy Loan is available to anyone in New York, regardless of their electric utility and there is no end date set for this. Information on the current program is available at: http://www.nyserda.ny.gov/All-Programs/Programs/Residential-Financing-Options.