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Save money and energy with a 0% APR Mass Save® HEAT Loan from St. Anne’s Credit Union!

Improve your home's energy consumption and lower monthly energy usage with an energy efficiency loan offered through St. Anne's Credit Union. Qualifying customers can receive no-interest financing to install energy efficient heating and cooling equipment and other qualifying energy efficient improvements. Unsecured loans are available from $2,001-$15,000 for terms up to 60 months.


• Interest Rate is 0%
• More efficient home = lower energy costs
• Environmentally friendly
• Opportunity to make qualified energy efficiency home improvements

Eligible improvements may include: 

• Heating Systems & Hot Water Heaters

• Insulation & Energy STAR® Qualified Replacement Windows

• Energy-Efficient Thermostats

• Central Air Conditioning & Heat Pumps

How to apply: 

1. Call Mass Save at (866) 527-7283 to schedule your no-cost home energy assessment.
2. Fill out the HEAT Loan Intake Form, which will be provided to you during your home energy assessment by your Mass Save representative.
3. Submit your Intake Form and receive your HEAT Loan Authorization Form from Mass Save.
4. Send us your completed HEAT Loan Authorization Form by clicking here to apply!

*Customers must meet program eligibility requirements to participate. Eligibility for the HEAT Loan is based on findings from the Home Energy Assessment and require pre-approval. Some restrictions apply and offers are subject to change or cancellation. Financing is subject to credit approval with a minimum loan amount of $2,000.  APR refers to Annual Percentage Rate. The monthly payment would be approximately $16.67 per $1,000 borrowed based on 0.00% APR for 60 months. Additional fees may apply when title is held in any type of Trust ownership. Eligible Mass Save HEAT Loan customers will need to obtain cost estimates from licensed contractors and submit them to the Home Assessment Vendor for approval. Some restrictions apply and offers are subject to change or cancellation.  Visit Mass Save or call 1-866-527-SAVE (7283) for full details.