Improve the COMFORT of YOUR HOME with a 0% Mass Save® HEAT Loan for energy-saving improvements, up to $25,000 with terms up to 7 years.

Apply for your Mass Save HEAT Loan

Worcester CU is offering Mass Save® HEAT Loans. It's a program sponsored by Massachusetts gas and electric utilities and energy efficient service providers to help residents find ways to save money on energy and manage the high cost of heating their owner occupied homes.

Contact us for more information on how a low-cost loan can help you manage the high cost of heating your owner occupied home, and find other ways to save money on energy costs.

Apply for your Mass Save HEAT Loan

How to Participate

  1. Visit or call 866.527.SAVE (7283) to schedule your no-cost energy assessment
  2. Mass Save will issue an authorization form with a HEAT Loan ID
  3. Forward your authorization form to Worcester CU so we can process your Mass Save HEAT Loan application

Some of the Ways you Can Save with Improvements that Add Value to Your Home:

  • Attic, wall and basement insulation — as recommended by Mass Save
  • Energy-efficient heating equipment
  • Central A/C • Mini-split and air source heat pumps
  • Energy-efficient water heaters (including solar options)
  • Wireless thermostats
  • ENERGY STAR® certified replacement windows

Apply for your Mass Save HEAT Loan

Mass Save HEAT Loan - 0% up to $25,000 - Click to learn more

Mass Save Partner logo

About Mass Save

Mass Save helps residents manage energy use and costs by providing a wide range of energy efficiency services, incentives and information. This initiative is sponsored by Massachusetts’ electric and natural gas utilities and energy efficiency service providers, including Berkshire Gas, Blackstone Gas Company, Cape Light Compact, Columbia Gas of Massachusetts, Eversource, Liberty Utilities, National Grid and Unitil.


Program Terms and Requirements: Customers must meet program eligibility requirements to participate. Eligibility for the HEAT Loan is based on findings from the Home Energy Assessment and requires pre-approval. Some restrictions apply and offers are subject to change or cancellation. Financing is subject to credit approval from Worcester Credit Union and only owner occupied properties are eligible for consideration. A verification inspection of the completed work is required for all customers receiving financing to ensure compliance with program requirements. Payment example: A $25,000 Mass Save HEAT loan at 0% APR would be $297.62 a month. Additional terms and conditions apply.

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Worcester Credit Union is INSURED by National Credit Union Administration (NCUA) and Massachusetts Credit Union Share Insurance Corporations (MSIC). The NCUA insures all deposits up to $250,000 per account owners. All deposits above NCUA limits are fully insured by MSIC.

WCU Partners with Mass Save HEAT Loans - learn more