0% APR Interest Mass Save® HEAT Loans!

Through our partnership with the Mass Save® program, we are pleased to offer 0% APR, no interest loans to finance eligible energy improvements. We offer loans up to $15,000 with terms up to 7 years to qualified applicants.*  

To get started….

  1. Call Mass Save® at 866-527-7283 to schedule your FREE Home Energy Assessment.
  2. Receive your heat loan authorization form.
  3. Apply Online!

Relationships Built to Last

For more information about accounts and services, find a branch nearest youuse our Contact Form, or call us at (413) 592-9495.

*Customers must meet program eligibility requirements to participate. Eligibility for the HEAT Loan Program is based on completing a Home Energy Assessment. 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. Loan amounts of $500 to $2,000 have a maximum term of 24 months. Loan amounts of $2,001 to $15,000 have a maximum term of 84 months. Payment examples: a $2,000 loan for 24 months has monthly payments of $83.33 and a $15,000 loan for 84 months has monthly payments of $178.57. 0% APR, no prepayment penalty and no closing fees. All loan applications are subject to credit union underwriting guidelines and property approval. Consult a tax advisor concerning deductibility of interest.
You must become a member of the Polish National Credit Union if you are granted a loan and must remain a member for the life of the loan. Membership is attained by opening deposit account and is open to individuals who live, work or attend school in Hampden, Hampshire, Berkshire and Franklin counties in Massachusetts and Hartford, Litchfield and Tolland counties in Connecticut.
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