Interested in energy efficiency? You'll get zero interest from us!


Offered in partnership with Mass Save, a consortium of regional energy utilities and providers, the program provides the opportunity to make your way toward an energy efficient home. Through Southcoast FCU, you can obtain a 0% APR loan to assist with the installation of qualified energy efficient home improvements.

To get started, contact Mass Save at 866-527-7283 or go to their website to schedule a Home Energy Assessment.

Mass Save - Home Page

Mass Save - Energy Assistance Page

An energy efficiency expert will assess your home’s current energy and provide a custom list of recommended ways to make energy saving changes in your home. During the visit, you will also receive a Home Loan Intake Form, Program Steps, and the Minimum Standards and Requirements.

When the Home Energy Assessment is complete, the next step is to submit your signed HEAT Loan Intake Form, along with your final, signed quote, to your Mass Save HEAT Loan Administrator. Mass Save will provide you with a HEAT Loan Authorization Form. You must obtain an Authorization Form from your Mass Save HEAT Loan Administrator before applying for a loan. Once you have the Authorization Form, contact Southcoast FCU directly to initiate the application process.

Qualifying Improvements:

Some improvements that qualify for the Mass Save Home loan include:
- Attic, Wall, and Basement Insulation
- High Efficiency Heating Systems
- High Efficiency Domestic Hot Water Systems
- Solar Hot Water Systems
- Energy Star® Windows
- Energy Star Thermostats



New car loan - 2.5% APR*
Used car loan - 2.5% APR*

First Mortgage - Please Call!
Home equity loan - 3.5% APR*

36 Month CD - 1.25% APY**
IRA Share - 0.10% APY**

*APR = Annual Percentage rate
**APY = Annual Percentage Yield

See all rates, terms and conditions!