Mass Save Heat Loan

Mass Save HEAT Loan
You can save money, reduce your primary residence’s energy costs and enhance the value of your home with a Mass Save HEAT Loan we are now offering at 0% interest.

Visit the Mass Save website for more details on the program –

Here’s what you do:

  • First contact Mass Save at 866-527-7283 to schedule a free Home Energy AssessmenT with an authorized Mass Save vendor, who will assess your current home energy use and needs, and provide you with a custom list of recommended ways to improve energy efficiency, and other details about the HEAT loan. The Mass Save Residential Energy Assessment is free to all Residential customers served by the participating electric and gas utilities.
  • Then contact CTFCU 617-492-3212 for pre-approval.  You can decide which energy efficiency improvements you will make, such as:
    • Attic, wall, or basement insulation
    • High efficiency heating system
    • High efficiency domestic hot water system
    • Solar hot water systems
    • Energy Star® windows
    • Energy Star® thermostats. 


  • Loans from $2001 to $15,000.
  • Terms up to 84 months with no prepayment penalty
  • Members pay no interest (0% APR*)


  • Reduced home energy costs
  • Lower fuel consumption
  • Environmentally friendly

HEAT Loan Amount     Term                       APR*        Cost per $1,000 Borrowed
$2,001.- $15,000.         Up to 84 months        0.0%          $11.91

*APR – Annual Percentage Rate.  For example, a loan of $15,000  with a term of 84 months at APR 0.0% has an approximate monthly payment of $178.58.  A $2,000 loan with a term of 24 months has an approximate monthly payment of $83.34.  These loans may be unsecured or secured by primary residence.

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