Mass Save® HEAT Loans

Receive 0% financing for home energy efficiency improvements.

With a Mass Save® HEAT Loan you receive 0% financing, up to 60 months, for home energy efficiency improvements.


No-interest loans are available for home energy efficiency improvements through the Mass Save® HEAT Loan Program. As a participating lender, we offer these no-interest loans on qualifying improvements, including:

Mass Save® Recommended Attic, Wall and Basement Insulation

Heating Systems

Domestic Hot Water & Solar Hot Water Heaters

Central Air Conditioning and Heat Pumps

ENERGY STAR® Qualified Replacement Windows

Energy-Efficient Thermostats

Please visit for more information.

HEAT Loans are available to customers of Cape Light Compact, Eversource, National Grid, Unitil Electric, and municipal electric customers served by Liberty Utilities.

Customers must meet program eligibility requirements to participate. Eligibility for the HEAT Loan Program is based on completing a Home Energy Assessment and pre-approval. Some restrictions apply and offers are subject to change to cancellation. Financing is subject to credit approval. Additional terms and conditions apply. Visit or call 1-866-527-SAVE (7283) for details and to learn more about the program.

Upon approval, you will need to open an account with the Credit Union and maintain a $5 minimum balance in the account for the life of the loan.