Mass Save HEAT Loans

Make your home more energy efficient with a 0% interest loan

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Go green, save some green

We understand the need to convert to an energy conscious economy without putting the burden on hardworking homeowners. The Mass Save® HEAT Loan Program gives you the opportunity to qualify for a 0% interest loan, for use towards qualifying energy efficiency improvements for your home.

  • Zero Interest

    With a Mass Save HEAT Loan, you never pay more than what you borrow, so that you can upgrade your home’s energy efficiency without financial stress.

  • Loans up to $25,000

    The Mass Save HEAT Loan program offers up to $25,000 from Massachusetts electrical/gas utilities and energy efficiency service providers, in partnership with Jeanne D’Arc.

  • Flexible Terms

    A more energy efficient state is in all of our best interests. That’s why Mass Save HEAT Loans have flexible terms to meet your needs.


  • Energy-Efficiency Improvements may include:

    • Attic, wall and basement insulation
    • High efficiency heating systems
    • Central air conditioning/air source heat pumps
    • Ductless mini-split heat pumps
    • High efficiency domestic hot water systems
    • Solar hot water systems
    • 7-day digital & Wi-Fi thermostats
    • EnergyStar® qualified replacement windows

Mass Save HEAT Loan FAQs

Mass Save® rebates and incentives may be available to homeowners, renters, and landlords. Being more energy efficient will pay off with lower energy costs and improved home comfort.

The Mass Save Residential Energy Assessment is free to all Residential customers served by the participating electric and gas utilities.

Yes, a participating gas utility customer may be eligible for a loan through the HEAT Loan program for gas-only measures. A customer must first obtain a Mass Save HEAT Loan Authorization form (for Residential customers) through their participating gas utility. Participating gas utilities include:

  • Columbia Gas of Massachusetts
  • New England Gas Company
  • NSTAR Gas
  • Unitil Gas

Check with a Jeanne D’Arc Credit Union Member Service Representative to see if your utility company is participating in the HEAT Loan program.

No. Financing is only available for energy efficiency projects. Please refer to the list of eligible measures (listed on, which includes heating systems, hot water systems, solar hot water, insulation upgrades, and window replacements.

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