Here are some of the cool things you can do with a Heat Loan:

  • It’s nothing. Energy auditing program MassSave and Workers team up to offer 0.00% APR* loans for projects that make homes more energy efficient.
  • Top to bottom. Heat Loans* can cover installation of attic, wall and basement insulation.
  • Hot item. Borrow money to buy a high-efficiency heating system.
  • Liquid assets. Get financing for domestic hot water systems and solar hot water systems.
  • Pane relief. Replace old windows with Energy Star-qualified windows.
  • Learn more. Visit the MassSave website to learn more about the Massachusetts Heat Loan.

Because Wasting Energy is Totally Uncool

Want to start an argument? Get people talking about global warming. Want to find something everyone agrees on? Get people talking about the high cost of heating homes. We’re not about to offer advice on saving polar ice caps. But thanks to our partnership with MassSave, we can offer you 0.00% APR loans on everything from insulation to heating systems to new windows. Want to take on more than one energy-preserving project? You’ll get no argument from us.


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Convenient Locations

Workers Credit Union provides in-person banking services and financial coaching at locations in Worcester, Lowell, Fitchburg, Gardner, Chelmsford, Westford, Groton, Townsend, Lunenburg, Lancaster, Leominster, Athol, Hudson, and Orange, MA.

Apply for your Heat Loan online or contact us with any questions.


Not ready to make the jump? Take a look at some of the other options, we’re sure you’ll find what you were looking for.

Home Equity Loans

It’s your foundation for financing large expenses.


Heat Loans are not included in the GiveBack Program.

Annual Percentage Rates (APRs) are effective as of July 1, 2021.

A Safe Place for Your Money

As a member of Workers, take comfort in knowing that every dollar you deposit is safe, secure, and 100% insured. All deposits are fully insured by a combined insurance coverage of the NCUA, up to $250,000, and the MSIC covers the rest. Now that’s safe keeping.