0% Mass Save ® Residential HEAT Loan Program


  • Interest Rate will always be 0% (Absolutely NO Finance Charge)

  • Promotes lower home energy costs

  • Low monthly payments

  • Environmentally friendly

  • Opportunity to make qualified energy efficiency home improvements


Residential Owner Occupied Micro HEAT Loan

  • $500 - $2,000
  • Term up to 2 years (24 months)

Residential Owner Occupied Standard HEAT Loan
  • $2,001 - $15,000
  • Term up to 7 years (84 months)
Residential Non-Owner Occupied Standard HEAT Loan
  • $5,000 - $15,000
  • Term up to 7 years (84 months)

First Citizens’ Federal Credit Union is proud to have partnered with Mass Save ® . Once you have had a home energy assessment, the Mass Save ® HEAT Loan program (also known as the Mass Save Home Energy Services Program) is available to qualified Massachusetts homeowners of both owner occupied and non-owner occupied 1-4 family homes. This program assists with the cost of installing qualified energy-efficient improvements.

To find out if you qualify for the Mass Save ® Residential Heat Loan Program, please contact them directly via their website: https://www.masssave.com/en/saving/residential-rebates/heat-loan-program/, or call 1-866-527-7283.

Upon receipt of your authorization form from Mass Save ® apply online to start the loan process OR to be pre-qualified for credit purposes.

Subject to credit approval. Estimated cost per $1,000 calculated on maximumterm available. 0% APR for 84 monthly payments of $11.91 per $1,000 borrowed.Loan terms are based on finance amount.