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COVID-19 Updates - Important information regarding branch & service availability, remote banking options, resources for financial hardship, and more: Click Here

UMassFive has been approved to be a lender of the SBA's Payroll Protection Program (PPP) as a part of the recently passed 2020 CARES Act, and will be eligible to process PPP loans through the SBA's loan delivery system as soon as this system is made available to us. Please email our Commercial Services Division for additional information.

HEAT Loans


Through our partnership with Mass Save®, we are able to offer an array of interest free loans to assist with the installation of qualified energy efficient improvements in your home. No matter how big or small, we have a financing option for you.


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Choose Your Size

Whether you have a small project or a larger one, you can choose the HEAT loan that works for you. Access the Mass Save site for more information.

Non-Owner Occupied? Mass Save has you covered too!

Check out our business sustainability lending for assistance with your needs.

Type Annual Percentage Rate Max Term Balance
Micro 0.00% 24 Months $500-$2,000
Standard 0.00% 84 Months $2,001-$15,000
Expanded 0.00% 84 Months $15,001-$25,000

Ready to apply for your Mass Save® HEAT Loan?


Payment example: 0.00% for 24 months equals $41.67 per $1,000 borrowed.