Enhance your home's energy efficiency
assachusetts residents, make your home more energy efficient with a Mass Save® HEAT Loan at Central One! Qualified applicants can get 0% financing up to $25,000.
As a participating lender, we offer these 0% interest loans on qualifying improvements, including:
Mass Save® Recommended Attic, Wall and Basement Insulation
Domestic Hot Water & Solar Hot Water Heaters
Heat Pumps
ENERGY STAR® Qualified Replacement Windows
Energy-Efficient Thermostats
Replace drafty windows and save on heating and cooling
Replacing your old windows with energy-efficient ones helps reduce heat loss in winter and keeps your home cooler in summer.
Stay cool and save with central air conditioning
Newer, energy-efficient central air systems consume less power, helping you save money while keeping your home cool during those hot New England summer months.
Stay comfortable all year-round with updated insulation
Better insulation means less reliance on your heating and cooling systems, reducing energy consumption and lowering your utility bills.
Ready to get started?
Call Mass Save at (866) 527-7283 to schedule a no-cost Home Energy Assessment. A Mass Save representative will review the results of the assessment, let you know which improvements would be eligible for HEAT loan program financing, and give you all the paperwork you need. Check out these incentives that could help you save money on upgrades that create a happier, healthier home. Once you are eligible for the Mass Save® HEAT Loan, apply for your 0% Financing today! Contact our Member Support Center at (800) 527-1017 or stop by a branch.
Latest Rates
All Rates24 Month
as low as 5.12 % APR36 Month
as low as 5.62 % APR48 Month
as low as 5.74 % APR-
Customers must meet program eligibility requirements to participate. Eligibility for the HEAT Loan Program is based on completing a Home Energy Assessment and pre-approval. Some restrictions apply and offers are subject to change or cancellation. Financing is subject to credit approval. Additional terms and conditions apply. Visit MassSave.com/HEATLoan or call 1-866-527-SAVE (7283) for details and to learn more about the program.
Rates as low as 5.12% APR**
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Rates
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Example rates
| Term | APR* |
|---|---|
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36 months |
3.50% |
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48 months |
3.75% |
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60 months |
4.00% |
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72 months |
4.25% |
Rates effective as of: April 3, 2025
APR = Annual Percentage Rate
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Rates effective as of: April 3, 2025
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Ice Cream Day Dates
All Ice Cream Day events are from 4:00 – 6:00 pm.
June 12th- Auburn Branch, 63 Southbridge Street
July 24th- Westborough Branch, 40 South Street
July 31st- Milford Branch, 82 Prospect Street
August 7th- Northborough Branch, 148 Main Street
August 28th- Shrewsbury Branch, 714 Main Street
August 15th- Worcester (Saint Vincent Hospital) Branch – We’ll be serving Goody’s Kettle Corn at the branch all day!
Food Truck Dates
All Food Truck Events are from 11:00 am – 1:00 pm.
July 12th- Westborough Branch, 40 South Street: Tacoborough Food Truck
August 9th- Shrewsbury Branch, 714 Main Street: Savage Wraps Food Truck
August 14th- Worcester (Saint Vincent Hospital) Branch – Garden Fresh sandwiches in-branch
August 23rd- Auburn Branch, 63 Southbridge Street: Bird’s Nest Panini Food Truck
September 6th- Northborough Branch, 148 Main Street: Tacoborough Food Truck
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