- Mass Save® Recommended Attic, Wall and Basement Insulation
- Heating systems
- Domestic Hot Water and Solar Hot Water Heaters
- Central Air Conditioning and Heat Pumps
- ENERGY STAR Qualified Replacement Windows
- Energy-Efficient Thermostats
How to Qualify
- Owner occupied 1 -4 family residence
- Obtain a Mass Save® Home Energy Assessment by calling 866-527-7283
- Install qualified energy efficiency upgrades recommended by a Mass Save® energy specialist
- Subject to credit approval
HEAT Loans are available to customers of Cape Light Compact, Eversource, National Grid, Unitil Electric, and municipal electric customers served by Columbia Gas of Massachusetts or Liberty Utilities.
Customers must meet program eligibility requirements to participate. Eligibility for the HEAT Loan Program is based on completing a Home Energy Assessment and pre-approval. 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.
Already received your heat loans authorization form? Apply Today!
Give your holiday budget a boost with Align’s Skip-A-Pay Program*! Take a break from your loan payment and put some extra cash in your pocket to cover seasonal bills and expenses. To request a deferred payment, download our Skip-a-Pay form.
- $35 processing fee per deferred payment
- Skip-A-Payment is offered on Auto, Personal, MassSave HEAT, Motorcycle, and Recreational Vehicle Loans
- Loan must be open for a minimum of six (6) months to be eligible for Skip-A-Payment
- Membership must be in good standing
*Your account must be in good standing. This means all loans and account balances must be current and in good standing when the Skip-A-Payment agreement is received by the Credit Union. If a loan was 30 days or more delinquent in the previous 6 months, it is not eligible to Skip-A-Payment. If any borrower on the loan has filed for bankruptcy, the loan is not eligible for Skip-A-Payment. This offering is not available on loans during the first 6 months of your loan agreement. Maximum (2) two skipped payments per calendar year and (4) four skipped payments for the life of the loan. There must be a minimum of (4) four timely monthly payments between skipped payments. No consecutive skipped payments will be allowed. This offer is for closed-end consumer loans only and excludes all real estate secured loans including Mortgages, Home Equity Lines of Credit, Overdraft Lines of Credit, Credit Cards and Commercial loans. Only personal, MassSave HEAT, automobile, motorcycle, and recreational vehicle loans are eligible. You may Skip-A-Payment on more than one loan for a $35 processing fee for each loan. If you choose to have the processing fee(s) deducted from your Credit Union savings or checking account, the funds must be available for withdrawal. Finance charges will continue to accrue on a daily basis at the Annual Percentage Rate set forth in your loan agreement, both during and after the deferral period. This means that this deferral of scheduled payments will result in having to pay higher total Finance Charges and possibly a greater total number of payments, than if you made these payments as originally scheduled. This means additional payment(s) may be due after the loan would have originally been paid off. You agree to contact the Credit Union for exact payoff information. Your next monthly payment will include the finance charges accrued from the skipped month. If you elected GAP coverage, your coverage may not be extended beyond the original maturity date. The expiration dates of GAP coverage, accident, life, disability, or other insurance will not be extended from the terms outlined on your original loan agreement. All other terms of your original loan agreement will remain the same. Align Credit Union reserves the right to revoke this offer at any time if your loan does not meet the criteria for this program, which include, but are not limited to: market conditions; no bankruptcy; and a satisfactory payment record.
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The Benefits of Membership
Align is a community credit union. We are committed to providing you with the right financial tools to reach your goals and deliver a customized banking experience perfectly in sync with you. Membership has its benefits!
Convenient Access to Your Accounts
With Align's eServices, you can access your accounts anytime, anywhere, and on any device. Between online banking and our mobile apps*, you can take control of your money on your own terms.