Interested in energy efficiency? You’ll get zero interest from us.

Through Harvard FCU, you can obtain a 0% APR loan to assist with the installation of qualified energy efficient home improvements. The HEAT Loan program is offered by Mass Save, a consortium of regional energy utilities and providers.

How it works

Step 1. Schedule Your Home Energy Assessment

Contact Mass Save at 866-527-7283 to schedule a Home Energy Assessment. After you schedule an appointment, an energy efficiency expert will assess your home’s current energy and provide a custom list of recommended ways to make energy saving changes in your home. During the visit, you will also receive a Home Loan Intake Form, Program Steps, and the Minimum Standards and Requirements.

Step 2. Apply for Your Loan with Harvard FCU

After the Home Energy Assessment is complete, the next step is to contact Harvard FCU for pre-approval. From here you can decide what changes to implement and develop your own custom energy plan.

  • Max loan amount of $25,000
  • Max loan term of 84 months
  • Note: We do not finance Rental Mass Save Loans
  • At this time, Unitil customers are not eligible for the MASS Save program. Please contact your power company to confirm eligibility.

Qualifying improvements

  • Attic, Wall, and Basement Insulation
  • High-Efficiency Heating Systems
  • High-Efficiency Domestic Hot Water Systems
  • Solar Hot Water Systems
  • Energy Star® Windows
  • Energy Star Thermostats


Additional information

Contact Mass Save at 866-527-7283  or learn more at the Mass Save Website.

Subject to credit approval. Loan Example: $1,000 at 0% APR and 84 months. Monthly payment is $11.90 and total repayment of $1,000.