Ameren FastTrack HVAC Rebate Program + 25C & 25D Federal Tax Credits = The Best Deal We’ve Ever Seen on High-Efficiency Systems.
If you’ve been waiting for the right time to replace your old furnace, air conditioner, or heat pump, this is it. Thanks to Ameren Missouri’s FastTrack HVAC rebate program combined with the 25C and 25D federal tax credits, St. Louis homeowners can save thousands on the upfront cost of a new high-efficiency system while enjoying long-term energy savings.
This is the best deal on new HVAC equipment we’ve ever seen. The tax credits are only available for equipment installed by December 31, 2025. The window to combine these two savings is closing soon.
Schedule your SmartHouse consultation today to see how much you could save.
What You’ll Learn in This Guide
- Which rebates Ameren Missouri is offering in 2025 for high-efficiency systems
- How the 25C and 25D federal tax credits stack on top of those rebates
- Why these tax credits are scheduled to expire after December 31, 2025
- How the FastTrack PAYS program makes upgrades affordable with up-front rebates on-bill financing
- Real-world cost and payment examples for new Daikin systems
- What makes SmartHouse different when it comes to guiding homeowners through upgrades
2025 Ameren HVAC Rebates at a Glance
Ameren is offering some of its most generous rebates yet, covering a wide range of high-efficiency equipment:
How the FastTrack HVAC PAYS Program Works
The FastTrack HVAC PAYS® program makes upgrading your heating and cooling system simple and affordable:
- Instant rebates applied. SmartHouse uses the Ameren FastTrack contractor app to assess your home and generate an offer, showing projected energy savings, rebates available, amount to be advanced by Ameren, and the final system cost for your new, more energy efficient system – no paperwork headaches for you.
- Ameren advances part of the balance. Ameren determines an amount they will advance toward your system cost, which is deducted from the total due and repaid through easy monthly payments on your Ameren bill.
- Built-in savings. Your new system is designed to deliver monthly energy savings greater than your monthly repayment to Ameren, letting you keep a little more money in your pocket each month.
- Fixed monthly charge on your bill. Instead of a loan payment, you’ll see a fixed line item on your Ameren electric bill.
- Clear eligibility. Homeowners must have lived in their home for at least one year, and properties with major renovations or certain safety issues may not qualify.
The result?
- Peace of mind knowing your investment includes 12 years of comprehensive warranty coverage
- Comfort through each season with consistent temperatures and advanced air filtration
- Savings on upfront cost and through reduced energy use for years to come
All with SmartHouse and Ameren taking care of the heavy lifting.
Stack Federal Tax Credits on Top
Ameren’s rebates are only half the story. The federal government offers incentives for high-efficiency systems through two tax credits that are expiring December 31, 2025.
The 25C Energy Efficient Home Improvement Credit
- Covers 30% of the project cost up to $2,000 for qualifying air-source heat pumps installed by December 31, 2025.
- Also offers up to $600 for central air conditioners and other upgrades.
- Credits are claimed at tax time.
The 25D Residential Clean Energy Credit
- Applies to ground-source (geothermal) heat pumps installed by December 31, 2025.
- Covers 30% of the installed cost with no cap.
- When combined with Ameren’s rebate of up to $5,000 for geothermal systems, the 25D credit makes one of the most efficient HVAC options on the planet suddenly affordable for many homeowners.
Real-World Examples of Savings
Here are two SmartHouse scenarios that show how rebates, Ameren’s FastTrack financing, and federal credits stack up.
Example 1: 15.2 SEER2 Air Conditioner + 96% Efficient Gas Furnace
- System price: $12,625
- After $1,575 in Ameren & Spire rebates, the cost drops to $11,050.
- Ameren then advances an average of $3,500 through FastTrack, leaving $7,550 due at install.
- Financing that balance works out to about $98 per month (10 years at 7.99%).
- Bonus: Includes an annual maintenance visit and free filters for 3 years.
Example 2: Daikin Fit 18.5 SEER2 Heat Pump + 97% Efficient Modulating Gas Furnace
- System price: $18,340
- After a $1,000 manufacturer rebate and $1,575 Ameren & Spire rebate, the cost drops to $15,765.
- Ameren advances an average of $5,000 through FastTrack, bringing the amount due at install to $10,765.
- Financing the remaining $10,765 comes out to about $138 per month (10 years at 7.99%).
- At tax time, the 25C federal credit returns another $2,600, reducing the final cost to $13,165.
- Bonus: Includes a FREE Daikin One smart thermostat PLUS an annual maintenance visit and free filters for 3 years.
Why Upgrade Now Instead of Waiting?
Every month you keep running an old, inefficient system, you’re essentially writing a check to your utility company for wasted energy. New high-efficiency systems don’t just qualify for incentives—they also:
- Lower monthly bills with dramatically reduced energy use.
- Deliver steadier comfort with smarter technology.
- Control humidity and improve indoor air quality.
- Increase your home’s value and marketability.
But these rebates and tax credits don’t last forever. Systems must be installed by December 31, 2025 to take advantage of the full savings.
How to Take Advantage
Here’s how to start saving right away:
- Schedule a consultation with SmartHouse. We’ll evaluate your current system and home.
- Choose your system. We’ll recommend options that qualify for Ameren rebates and 25C/25D credits.
- Get instant rebates and financing. Ameren’s FastTrack rebate is applied upfront and they will assist with a portion of the system cost. Any remaining balance (copay) can be paid by check, credit card or through one of our flexible financing plans.
- Claim your tax credit. At tax time, use the documentation we provide from your system installation to claim your federal credit.
It’s that simple: less money out of pocket, lower utility bills, and a home that’s more comfortable year-round.
At SmartHouse, our mission has always been simple: to make homes healthier, more comfortable, and more efficient while treating people with honesty and respect. Our technicians hold NATE certifications and follow building science best practices, so you can count on expert installation done right the first time.
It’s that mix of values and technical excellence that has made SmartHouse St. Louis’s most trusted name in home comfort.
Don’t Miss Out
This is the most generous combination of rebates and credits we’ve ever seen. The federal tax credits expire at the end of 2025. Ameren’s new FastTrack rebates will carry into 2026, but only while funding lasts. Acting now locks in your savings and protects you from rising energy costs.
Call 314-370-1816, text 314-310-2242, or schedule an appointment online and lock in the best deal we’ve ever seen on high-efficiency HVAC systems.
