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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 easy and moved quickly!

Shirley, MA


MA HEAT Loan - Professional, Helpful and Easy


Judy was terrific. I was very pleased with Hanscom's staff from start to finish.

Boston MA


Amazing service; approval in minutes.


The entire process from application to check took less than 2 hours. Quick, easy, stress free. Truly amazing service. HFCU is my new "go to" for banking and financial services.

East Sandwich, MA


Kiplinger rated #1


Judy was wonderful and Hanscom has provided a consistently great customer experience!

Boston MA


Mass Save Heat Loan done right


Obtaining a Mass Save Heat Loan from HFCU went smoothly and efficiently. It was done entirely on-line using the well designed website and forms. I also had the prompt and helpful assistance of Alix B. at Natick when I had questions. All in all a painless process.

Wellesley, MA


Easy application, fast approval.... but too much junk mail!


Easy application, prompt responses from Hanscom FCU staff. However, I now get significant amounts of paper junk mail from Hanscom FCU, which really stinks. Would I still do it again? Probably.

ashland, ma


MassSave loan - ultra efficient


So refreshing to receive PROPER customer service. I applied online for the loan. I received a call back almost immediately and the whole transaction took about 4 days. This is the second time I have used Hanscom's services and would not hesitate to do so again.

Dedham, MA


Fast and easy...SO helpful and understanding.


Fantastic institution to deal with...customer service is top notch. Very friendly and helpful thru the entire loan process...would recommend to anyone.

Hopedale MA


Fast and easy process


Fast and easy, Anna was a big help in making the process extra smooth.

Burlington MA


Awesome experience, friendly service and quick turnaround


Applying for the Mass Save loan through Hanscom Federal Credit Union was super easy and extremley fast. Collin was extemley friendly and knowledgeable and was able to close on the loan quickly. Thank you for all your support.



Mass Save� Loan Program Reviews

4.8 196


*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.