In observance of Martin Luther King, Jr. Day, Mass Bay Credit Union will be closed on Monday, January 19, 2026. As always, you are encouraged to use online and mobile banking, ATMs, or 24/7 telephone banking.
xHeat Loans
Improve your home comfort while saving energy and lowering your bills with an interest free Heat Loan from Mass Save.
Members may qualify for a ZERO-PERCENT loan to use for the purchase of qualified energy-efficient improvements in their homes through our partnership with Mass Save®.
Program highlights:
- Loans available up to $25,000 with terms up to 7 years (depending on the loan type)*
- Mass Save offers monetary incentives for installing a variety of qualified energy efficiency upgrades
*Monthly Payment is $11.90 per $1,000.00 borrowed. Subject to credit approval. MassSave qualification restrictions may apply.
Eligible energy efficiency improvements may include:
- Weatherization Improvements
- Attic, wall, and basement insulation
- Central AC and air-source heat pumps
- Ductless mini split-heat pumps
- High-efficiency heating and hot water systems, including solar
- Energy Star® Qualified replacement windows
- Digital & WiFi thermostats
To learn more about Heat Loans visit here.