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Mass Save® Heat Loan Program

Mass Save® Heat Loan - 0% Interest Loan

Mass Save Heat Loan Overview

It’s Simple to Save Energy and Money

The HEAT Loan Program provides consumers the opportunity to apply for a 0% APR loan from Hanscom FCU to assist members with the installation of qualified energy efficient improvements in their homes.

Improvements that qualify: 

  • Heating System Replacement
  • Domestic Hot Water & Solar Hot Water Heaters
  • Central Air Conditioning and Heat Pumps
  • Insulation & Replacement Windows

Check the Mass Save website for a listing of additional rebates that are available.

How it works

Steps to get started

  1. Customer must sign up for a Home Energy Assessment from an authorized Mass Save vendor. Call (800) 632-8300 to schedule a free home energy assessment.
  2. A MassSave representative will assess your energy efficiency improvement needs and determine what improvements are eligible for financing. The representative will provide a HEAT Loan Intake Form, Program Steps, and Minimum Standards and Requirements.
  3. Obtain pre-approval from a participating lender if you choose.
  4. Obtain written contractor price proposal(s) for the installation of the improvements.
  5. Forward the proposal(s) for review and approval by your Mass Save HEAT Loan administrator listed by your electric utility or Cape Light Compact’s HEAT Loan Intake Form.
  6. Once approved you will receive a HEAT Loan Authorization Form.
  7. Finalize the loan with a participating lender and obtain two-party checks.
  8. Measures are installed and Mass Save conducts a post-installation inspection on the installed improvements.

The loans are available up-to $50,000 (depending on utility) with terms up-to 7 years.


Incentive available for residential customers occupying a 1-4 family home participating in the Mass Save home energy assessment program. Some restrictions may apply. Offer subject to change without notice.

Loan Questions?

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Fast and easy


Very simple process, quick approval and dispersement of the funds. Great customer service.

Worcester MA


Fast and easy she new just what to do


I took my authorization form in the Brockton Branch, I was help by Brenda It was a day process on the loan. Service was quick and done right the first time Thank you

Randolph MA




I ,can't remember having a better experience with a bank. SO EASY, FAST, and FRIENDLY. Makes me want to shift all my banking over. THANK YOU, HANSCOM!

Maynard, MA


Top notch servuce


Having to replace a furnace can be a bit hectic so when it happened to me I turned to Hanscom. Collin knew the program inside and out and was able to assist me through the process. She was able to process all of the required information and get me a check within 3 days. She made the whole process easy and it all went through without a hitch. She is top-notch in my book



Great customer service - super fast and easy!


Hanscom FCU makes customer service a priority with the ease and service one would expect from a top rated credit union! Lauren makes sure each customer is treated with personal care and ensures a quick turn around!! I won't bank anywhere else.

Bedford MA


Great job


Great and friendly service

Devens Ma


Excellent customer service, quick, Professional.


Professional, quick, excellent customer service provided by Erlinda!

Burlington, Mass


Great customer service!


Lauren at Bedford branch was excellent! Very informative and friendly. Replied immediately to all questions. Can't say enough about how she made this such a positive experience,

No he had about ,MA


Great value, fast and easy


We had trouble getting a loan from another bank, even though we had all our requirements in order. After we contacted Hanscom Federal Credit Union, we heard back right away. And I was able to walk in and complete everything else that was needed in one day. It was amazing! Absolutely wonderful customer service. Very much appreciated.

Concord, MA


Great customer service & assistance


It was a pleasure working with Nancy at your Littleton branch. She is a real pro and very knowledgeable and helpful.

Berlin, MA


Mass Save� Loan Program Reviews

4.9 218


*APR = Annual Percentage Rate. Incentive available for residential customers occupying a 1-4 family home participating in the Mass Save home energy assessment program. Some restrictions may apply. Offer subject to change without notice.