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Mass Save® Participating Lender
Finance heat pumps, insulation, ENERGY STAR® windows, and more from $500 to $25,000, with fixed monthly payments and no interest.
*0% Annual Percentage Rate. Subject to program guidelines and credit approval. See details.
Qualifying energy efficiency improvements under the Mass Save HEAT Loan Program
Efficient heating and cooling for your home with a qualifying heat pump system.
Replace an older water heater with a high-efficiency heat pump model.
Insulation and air sealing, including pre-weatherization barriers that must be addressed first.
Certified replacement windows that help keep heat in during the winter and out in the summer.
Home batteries enrolled in ConnectedSolutions.
Call us or check MassSave.com/HEATLoan (opens in a new window) for full eligibility.
Municipal electric customers who heat with a participating utility provider are eligible for all measures except residential batteries enrolled in ConnectedSolutions.
With 0% APR, what you borrow is what you repay. Pick a loan amount and term to see your payment.
From $500 to $25,000.
Estimated monthly payment
$119.05
Estimates are for illustration only and assume a 0.00% Annual Percentage Rate (APR) with [no down payment required — CONFIRM]. Final payment may vary slightly due to rounding. Loan amounts from $500 to $25,000 with terms from 12 to 84 months. Subject to Mass Save HEAT Loan Program guidelines and credit approval.
Four steps from first call to finished project
Schedule a Home Energy Assessment or work with a Mass Save participating contractor. Learn more
Your contractor provides a proposal, and you complete the Mass Save program intake and authorization forms.
Bring your paperwork to our loan team by phone, email, or at a branch. We'll walk you through the application.
Once approved, your loan is funded so your project can move forward. Then enjoy fixed payments at 0% APR.
Talk with a real person who knows the HEAT Loan process and can help with the paperwork.
Fixed monthly payments for the life of your loan make budgeting simple.
Energy efficiency upgrades can help reduce your home's energy use and your utility bills.
As a not-for-profit credit union, we're here to serve our members and our community.
The Mass Save HEAT Loan Program offers 0% APR financing for qualifying home energy efficiency improvements in Massachusetts. Pioneer Valley Federal Credit Union is a participating lender, so you can get your HEAT Loan with us.
Qualifying improvements include weatherization and pre-weatherization barriers, heat pump projects, heat pump water heaters, ENERGY STAR certified replacement windows, and residential batteries enrolled in ConnectedSolutions. See MassSave.com/HEATLoan for full eligibility details.
Loan amounts range from $500 to $25,000 at 0% APR, with fixed monthly payments and terms from 12 to 84 months. For example, a $5,000 loan at 0.00% APR for 84 months has a monthly payment of $59.52.
Start with a Mass Save Home Energy Assessment or a Mass Save participating contractor. Once you have a contractor proposal and your Mass Save program intake and authorization forms, contact our loan team to apply.
Eligibility is set by the Mass Save program and depends on your utility provider and project. Municipal electric customers who heat with a participating utility provider are eligible for all measures except residential batteries enrolled in ConnectedSolutions. All loans are subject to program guidelines, credit approval, and membership eligibility.
Yes. The HEAT Loan has a 0% APR, so you repay only the amount you borrow, in fixed monthly payments over your loan term.
Yes. The program is offered year-round for those who qualify.
Our loan team can answer your questions and help you get started.
*APR = Annual Percentage Rate. Monthly payment example: a $5,000.00 loan at 0.00% APR for 84 months = 84 payments of $59.52. Loan amounts from $500.00 to a maximum of $25,000.00, with terms from 12 to 84 months. [Down payment: CONFIRM.] Subject to Mass Save HEAT Loan Program guidelines, credit approval, and membership eligibility. Additional terms and conditions may apply. Visit MassSave.com/HEATLoan (opens in a new window) or call 1-866-527-SAVE (7283) for program details.
Mass Save® is a registered trademark of the Mass Save program sponsors. ENERGY STAR® and the ENERGY STAR mark are registered trademarks owned by the U.S. Environmental Protection Agency.
⌂ Equal Housing Opportunity · We are an Equal Housing Lender
*APR = Annual Percentage Rate; APY = Annual Percentage Yield; Terms and conditions apply. Click here for Loan Rates & Disclosure. Click here for Home Loan Rates & Disclosure. Click here for Savings Rates & Disclosure.
Calculator is for informational use only. Your actual loan terms will vary based on a number of factors.
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Calculator is for informational use only. Your actual savings will vary based on a number of factors.