Comfort takes on a whole new meaning with interest-free* financing for energy-efficient home improvements.

Get 0% APR* on up to $50,000 for energy-efficient home upgrades.


So many ways to go green.

Upgrade your home’s heating, ventilation, and air conditioning. Replace windows, insulation, and electric water heaters. You can even add Tesla charging stations. Learn more about eligible upgrades.

Efficiency and affordability.

Interest-free* financing is just the beginning. Qualified customers can get grants to overcome barriers like knob and tube wiring or asbestos. Rebates and discounts are also available for appliances, electric heating systems, and more. And there are savings you’ll see with lower energy costs.

  • Get interest-free* financing for energy-efficient home upgrades
  • Loan amounts available up to $50,000 (depending on utility)
  • Loans above $25,000 may require the borrower's home be used as collateral
  • For qualified owner-occupied residences and rental property
  • Other requirements may apply for condo owners

Mass Save HEAT Loans are available to customers of Cape Light Compact, Eversource, Liberty Utilities, and National Grid.

You must own a one-to-four-family residence located in Worcester County, obtain a Mass Save Home Energy Assessment, and install qualified energy efficiency measures recommended by a Mass Save representative.

  1. Schedule a Home Energy Assessment from an authorized Mass Save program vendor.
  2. A Mass Save representative will assess your energy efficiency improvement needs and determine what improvements are eligible for financing.
  3. After the assessment, the representative will provide a HEAT Loan Intake Form, program steps, and minimum standards and requirements.
  4. Obtain written contractor price proposal(s) for the recommended improvements.
  5. Forward the proposal(s) for review to your Mass Save HEAT Loan representative along with the HEAT Loan Intake Form.
  6. Once approved, you will receive a HEAT Loan Authorization Form. Complete this form and send it to us to finalize your loan and obtain two-party checks.
  7. Measures are installed and the Mass Save representative conducts a post-installation inspection.
  8. After a satisfactory inspection, you’ll pay your contractor with the provided checks. Any additional rebates will be processed.

Visit the Mass Save site for full requirement information.


How can I apply for a Mass Save HEAT Loan?

You can apply online in just a few minutes. Once an application is submitted, you’ll hear back from a CSB Representative in one to two business days. Or, if you prefer, you can come into one of our convenient branch locations and work with a Relationship Banker to fill out the application.

What is the interest rate for a Mass Save HEAT Loan?

Check out our Rates Page for all of our current loan rates.

*APR = Annual Percentage Rate (APR). Monthly payment based on a loan amount of $12,500.00 at 0.00% APR and a repayment term of 84 months is $148.81. Minimum loan amount $500.00. Maximum loan amount $50,000. Minimum FICO score of 730 required for loan amounts between $15,001 and $25,000. Loan amounts over $25,000 require borrower’s home be used as collateral. Collateral must be a 1-4 family residence; condominiums must be Fannie Mae approved. Not available for homes currently for sale or intended to be sold within 6 months of closing. Maximum closing costs of $631.00 will apply. All loans subject to meeting Mass Save Heat Loan Program guidelines. Heat Loan Program requires Home Energy Assessment from a Mass Save Energy Specialist; to schedule your assessment call 866.527.7283. Financing is subject to credit approval. Additional terms and conditions may apply. All Mass Save® Program Details are subject to change.