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They are the most efficient HVAC systems made. We had a geothermal in our home. When the compressor went bad we replaced it with a mini split and our electric bill went down. It will heat down to minus 15, which we never see. Our school system was installing geothermal. Not any more they have recently started installing mini splits. They are cheaper to install and cheaper to run.
They are best suited for homes that aren’t broken in a lot of rooms, like a camper.
If you have an older AC the SEER will probably be about 10. A new mini can go up to at least 33 probably more now.
Lynwood
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