Mass Save HEAT & NH Saves Loans

Don’t pay the price for being energy efficient.

Making your home more energy efficient is a smart, easy way to save a lot of money on your heating and cooling costs, while being environmentally friendly at the same time. For both of these reasons, Mills42 has partnered with Mass Save and NH Saves to offer incredible loans and rates on qualified home improvements. Best of all, we can close your loan in as little as one business day!

After you review the program that applies to you, talk to us. We’ll get your loan application started and talk you through the process.

By applying for a Mass Save HEAT Loan through us, you can receive an interest-free loan up to $25,000 with up to a seven-year term to spend on qualified energy-efficient products.

  • Improvements that qualify include:
    • Attic, wall and basement insulation
    • High-efficiency heating systems
    • High-efficiency domestic hot water systems
    • Solar hot water systems
    • ENERGY STAR® windows
Mass Saves / NH Saves Logo

To apply for the loan you must own and reside in a one- to four-family home and obtain a Home Energy Assessment through the Mass Save Program. To get started, contact Mass Save at 866.527.7283 to schedule your home assessment.

In partnership with NH Saves, Mills42 can also provide 2.00% APR* Home Energy Efficient Improvement Loans to qualified members who wish to perform Home Performance with ENERGY STAR® (HPwES) home weatherization work that qualifies for HPwES rebates. It includes adding insulation, air sealing, and other approved energy efficiency improvements to your home. Other additional measures may also be covered. Contact your utility for details.

NOTE: This is an unsecured loan offered by Mills42 Federal Credit Union to program participants approved by us. This offer is for a limited time while funding is available.

Loan Amount Max Loan Repayment Term Monthly Payment per $1,000
$1,000 up to $2,000 2 years $42.54
$2001 up to $4,000 3 years $28.64
$4,001 up to $6,000 4 years $21.70
$6,001 up to $9,000 5 years $17.53
$9,001 up to $12,000 6 years $14.75
$12,001 up to $15,000 7 years $12.77

Once you’ve gone through the assessment and have decided what projects you want to tackle, give us a call or come by the branch so we can get the loan process rolling. There are no application fees and the whole process is fast and easy. View this flow chart to see the actual steps involved.



Not a member yet? We’ll take care of that for you as you’re opening your account or taking out a loan. If you want to get a jump-start, enroll online or just give us a call at 978.328.5100. We’ll be happy to help you build from here.