The higher your home’s energy efficiency, the lower your utility bills. Save even more if you qualify for the 0% APR interest Mass Save HEAT Loan Program!

The Mass Save HEAT Loan Program provides you with the opportunity to apply for a 0% APR interest loan from St. Mary's Credit Union to assist with the installation of eligible and recommended energy efficient improvements in your home.


Key Features

  • 0% Interest
  • Energy Efficient


  • Applies to owner-occupied 1-4 family residences only
  • Must obtain a Mass Save Home Energy Assessment

Eligible energy efficiency improvements that could be recommended may include:

  • Attic, Wall, and Basement Insulation
  • High Efficiency Heating Systems
  • Central Air Conditioning / Air Source Heat Pumps
  • Ductless Mini Split Heat Pumps
  • High Efficiency Domestic Hot Water Systems
  • Solar Hot Water Systems
  • 7-Day Digital & Wi Fi Thermostats
  • ENERGY STAR® Qualified Replacement Windows


  • You must sign up for a Home Energy Assessment through Mass Save.
  • A Mass Save representative will assess your energy efficiency improvement needs and determine what improvements are recommended and eligible for financing. The representative will provide a HEAT Loan Intake Form, Program Steps, and Minimum Standards and Requirements.
  • Obtain written contractor price proposal(s) for the installation of the improvements.
  • Forward the proposal(s) for review and approval to your Mass Save HEAT Loan representative along with the HEAT Loan Intake Form.
  • Once approved you will receive a HEAT Loan Authorization Form.
  • Finalize the loan and obtain two-party checks.
  • Measures are installed and Mass Save conducts a post-installation inspection on the installed improvements.
  • After satisfactory inspection, sign check over to contractor and any additional rebates are processed.