Heat Saver Program

Brought to you by the Vermont Department of Public Service and Efficiency Vermont’s Efficiency Excellence Network

VSECU is participating in a state-funded program to make financing for eligible thermal energy efficiency purchases and projects more affordable for all Vermonters. This program offers discounted interest rates, based on household income, and can include upgrades by Weatherization Improvement or Home Performance Contractors (air sealing, insulation). Easy, affordable financing for eligible projects, purchases and home performance with ENERGY STAR projects (learn more) and the upgrades below.



Heating System Contractors (high efficiency oil and propane boilers/furnaces and in some cases, natural gas boilers/furnaces)


Advanced Modern Wood Heating System Installers (central wood pellet boilers and furnaces)


To start, work with an eligible contractor to specify the qualifying products or services for your project (detailed quote of project costs required).

  1. Complete the Heat Saver Loan project verification form with the contractor
  2. Apply for your loan online:
    Note: Type ‘Heat Saver Loan’ in the comments section of the online application
    1. Energy Improvement Loan application or;
    2. Discounted Energy Improvement Home Equity Loan application in the Mortgage Center
  3. A VSECU representative will contact you to discuss your loan application

For questions about project or contractor eligibility, contact Efficiency Vermont at 1-888-921-5990