Empowering homeowners with funding for home energy.
Whether you’re installing rooftop solar or replacing old heat pumps, our Home Energy Loans remove financial barriers that prevent you from home improvements.
Features of a Home Energy Loan
- Terms of up to 84 months
- Easy application process
- No collateral necessary
A Mass Save HEAT Loan through GFA provides a no-interest loan on qualifying improvements for home energy efficiency.
- 0% APR1
- Loans are available for energy efficient improvements such as:
- Weatherization
- Pre-weatherization barriers
- ENERGY STAR certified replacement windows (must be in conjunction with completed weatherization recommendations.)
- Residential batteries enrolled in ConnectedSolutions
- Heat pumps projects
- Heat pump water heaters
- Loans are available up to $25,000 (depending on your utility company)
- Loan Debt Protection is available
How to Get a Mass Save HEAT Loan
- Schedule a NO COST Home Energy Assessment from Mass Save by calling 866-527-7283 or by visiting their website.
- A Mass Save representative will assess your energy efficiency improvement needs and determine what improvements are eligible for financing.
- Find a Mass Save approved contractor and obtain a proposal(s) for the energy efficient improvements you want to finance.
- Complete your online loan application with Mass Save, including your signed contractor proposal.
- If your improvements qualify, you will receive a Mass Save HEAT Loan Authorization Form. Bring this with you to GFA along with any other stipulations required for financing and finalize your loan.
- Schedule your contractor to complete the work within 90 days.
- Once complete, pay your contractor with the 2-party check supplied by GFA.
- A Mass Save representative will then conduct a post-installation inspection on your new energy efficiency improvements.
- After a satisfactory inspection, sign the check over to your contractor and any additional eligible rebates are processed.
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.
1Annual Percentage Rate (APR). Monthly payment based on a loan amount of $5,000.00 at 0.00% APR and a repayment term of 84 months is $59.52. Maximum unsecured loan amount $25,000.00. All loans subject to meeting Mass Save Heat Loan Program guidelines. Heat Loan Program requires a Home Energy Assessment from a Mass Save Energy Specialist; to schedule your assessment call 866.527.7283. Financing is subject to credit approval. Additional terms and conditions may apply.
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.
A NH Saves Home Energy Efficiency Loan from GFA provides an interest-free loan to homeowners to make energy-efficient upgrades in their home, including heating equipment, insulation, and more.
- 0% APR1
- Loans are available for home weatherization work that qualifies for Home Energy Performance rebates such as:
- Adding insulation
- Air sealing
- Other approved energy efficiency upgrades
- Additional measures may also be covered. Contact your utility for details.
- Loans are available up to $15,000
- Loan Debt Protection is available
|
Term |
Loan Amount |
|
24 Months |
$1,000 - $2,000 |
|
36 Months |
$2,001 - $4,000 |
|
48 Months |
$4,001 - $6,000 |
|
60 Months |
$6,001 - $9,000 |
|
72 Months |
$9,001 - $12,000 |
|
84 Months |
$12,001 - $15,000 |
How to Get a NH Saves Energy Efficiency Improvement Loan
- You must participate in the Home Energy Performance program and have an Energy Audit conducted. Visit the NHSaves website to verify your eligibility.
- If you qualify, contact your utility provider for a loan authorization form.
- Fill out the loan application and bring your loan authorization form and contractor quotes to GFA.
NH Saves Home Energy Efficiency Improvement Loans are available to customers of Eversource.
1Annual Percentage Rate (APR). Monthly payment based on a loan amount of $15,000 at 0.00% APR and a repayment term of 84 months is $178.57. Maximum unsecured loan amount $15,000. Rates advertised are for Eversource customers only. Rates are set by the utility provider, not GFA Credit Union. Financing is subject to credit approval. The Energy Efficiency (EE) Loan is open to members participating in the Home Performance program available through NHSaves utility partners. The purchase or installation of solar panels is not covered by this program. To start the process, please contact your utility provider to obtain approval before applying for financing. The EE Loan Authorization Form must be provided from the utility provider and signed off on. Checks will be made payable to the contractor listed on the EE form and the member. This loan is not tied to the equity of the home. No other rate discounts apply. Additional terms and conditions may apply. All NHSaves program details are subject to change. Some restrictions apply and offers are subject to change or cancellation.
Use this calculator to determine your projected earnings from our Kasasa Cash account. Move the sliders or type in the numbers to see your potential rewards.
- Estimated Annual Rewards $0
- Estimated monthly dividend earned* $0
- Monthly ATM fees refunded**$0
This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.
- Net cost of buying $0
- Net cost of leasing $0
A fixed-rate, fixed-term CD can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.
- Total value at maturity $0
- Total dividend earned $0
- Annual Percentage Yield (APY)0.000%
Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.
- Monthly deposit needed to reach goal $0
This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
Adjustable Rate Mortgages
| Term | Points | Rate | Annual Percentage Rate (APR) | Payments/$100,0001 |
|---|---|---|---|---|
| 5-Year / 6-Month | 0 | 6.000% | 6.491% | $599.55 - $976.00 |
Adjustable Rate Mortgages (ARM) are variable rate loans, interest rates and payments may increase after the initial term.
Loan Rates are subject to credit underwriting and approval, actual rates may differ from those advertised.
Membership to GFA Federal Credit Union requires a $10 balance in a savings or checking account.
1Payment does not include taxes and insurance; actual payments may be greater.
Home owners insurance may be required.
Rates subject to change without notice.
Example: A 5-Year / 6-Month ARM offers a fixed interest rate for the first five years. After that, the rate may adjust every six months based on market conditions, subject to rate caps. Learn More
Auto Loan Rates
| Term | APR1 | Payments/$1,000 |
|---|---|---|
| 24 Month | 4.99% | $46.56 |
| 36 Month | 5.99% | $32.30 |
| 48 Month | 5.99% | $24.93 |
| 66 Month | 6.24% | $19.06 |
| 75 Month | 6.49% | $17.27 |
| 84 Month | 7.24% | $16.17 |
1Annual Percentage Rate (APR). Loan Rates are subject to credit underwriting and approval, actual rates may differ from those advertised. Maximum terms allows determined by amount borrowed and underwriter discretion. Rates are subject to change and may change without notice. Additional rate add ons may apply. Advertised rates for automobiles reflect a .25% discount for automatic payment. Advertised rates are offered to borrowers who qualify for our highest credit tier. Amount financed includes a $59.00 application fee and up to $195.00 VSI Insurance. Up to 125% financing available on consumer autos. For rates on automobiles 2017 and older, please call us. GFA membership is required, members must maintain a $10.00 deposit relationship.
Business Checking Accounts
| Account | Minimum Balance to Earn APY1 | Annual Percentage Yield (APY) | Dividend Rate | Minimum to Open |
|---|---|---|---|---|
| Small Business Checking | N/A | 0.00% | 0.00% | $25.00 |
| Member Business Checking | $0.01 | Earnings Credit2 | N/A | $100.00 |
| Non-Profit Checking | $0.01 - $499.99 $500+ |
0.00% 0.02% |
0.00% 0.02% |
$50.00 |
1(APY) Annual Percentage Yield
2Earnings Credit is calculated using prior month average three-month constant maturity Treasury rate, as published in Federal Reserve Publication H.15 - "Selected Interest Rates". Rate changes the first Tuesday of each month.
Business Savings Accounts
| Account | Minimum Balance to Earn APY1 | Annual Percentage Yield (APY) | Dividend Rate | Minimum to Open |
|---|---|---|---|---|
| Business Savings | $0 - $4,999.99 $5,000 - $25,000.00 $25,000+ |
0.10% 0.50% 1.65% |
0.10% 0.50% 1.64% |
$500.00 |
| Business Money Market |
$0 - $24,999.99 $25,000 - $49,999.99 $50,000 - $99,999.99 $100,000 and above |
1.50% 2.50% 3.00% 3.50% |
1.49% 2.47% 2.96% 3.45% |
$500.00 |
| Non-Profit Savings | $0.01 - $50,000.00 $50,000.01 - $100,000.00 $100,000.01 - $250,000.00 $250,000.01 - $500,000.00 $500,000.01 and above |
1.50% 2.50% 3.25% 3.25% 3.75% |
1.49% 2.47% 3.20% 3.20% 3.69% |
$500.00 |
1(APY) Annual Percentage Yield
Rates are variable and subject to change after account opening. Fees may reduce earnings. Rates are subject to change without notice.
Checking Accounts
| Product | Minimum Balance to Earn APY | Annual Percentage Yield (APY) | Dividend Rate | Minimum to Open |
|---|---|---|---|---|
| Free Checking+ | $0.01 - $500.00 $500.01 - $10,000.00 $10,000.01 + |
5.00% 3.00% 0.01% |
4.89% 2.96% 0.01% |
$25.00 |
| Free Checking | $0.00 | 0.00% | 0.00% | $25.00 |
| 18/65 Checking | $0.00 | 0.00% | 0.00% | $10.00 |
| New Start Checking | $0.00 | 0.00% | 0.00% | $25.00 |
First Time Homebuyer Program
| Term | Points | Rate | Annual Percentage Rate (APR) | Payments/$100,0001 |
|---|---|---|---|---|
| 30 Years | 0 | 6.250% | 6.521% | $615.72 |
Loan Rates are subject to credit underwriting and approval, actual rates may differ from those advertised.
Membership to GFA Federal Credit Union requires a $10 balance in a savings or checking account.
$500 closing cost credit.
1Payment does not include taxes and insurance; actual payments may be greater.
Home owners insurance may be required.
Rates subject to change without notice.
Fixed Rate Mortgage - up to $832,750.00
| Term | Points | Rate | Annual Percentage Rate (APR) | Payments/$100,0001 |
|---|---|---|---|---|
| 10 Years | 0 | 6.500% | 7.140% | $1,135.48 Apply Now |
| 15 Years | 0 | 6.250% | 6.700% | $857.42 Apply Now |
| 20 Years | 0 | 6.675% | 7.042% | $755.91 Apply Now |
| 30 Years | 0 | 6.250% | 6.521% | $615.72 Apply Now |
Loan Rates are subject to credit underwriting and approval, actual rates may differ from those advertised.
Membership to GFA Federal Credit Union requires a $10 balance in a savings or checking account.
Bi-weekly rates available.
1Payment does not include taxes and insurance; actual payments may be greater.
Home owners insurance may be required.
Rates subject to change without notice.
Rates and fees disclosed are for loans that meet Secondary Mortgage Market underwriting standards; additional rate and fees may apply.
Home Equity Line of Credit - from 80% to 90% LTV
| Term | Rate | Annual Percentage Rate (APR) | Max APR |
|---|---|---|---|
| Equity Line | 7.750% | 7.750% | 18% |
Loan Rates are subject to credit underwriting and approval, actual rates may differ from those advertised.
Membership to GFA Federal Credit Union requires a $10 balance in a savings or checking account.
Equity Line: 10 year draw - 10 year repayment interest only payments, annual fee may apply.
Prime rate plus 1.000% with floor of 5.50%
Prime rate as published in the Wall Street Journal on the first business day of each month 6.750% (effective 12/11/2025).
MAX loan amount $250,000
Variable rate, subject to change without notice.
Home owners insurance may be required.
Home Equity Line of Credit - from 90% to 100% LTV
| Term | Rate | Annual Percentage Rate (APR) | Max APR |
|---|---|---|---|
| Equity Line | 8.750% | 8.750% | 18% |
Loan Rates are subject to credit underwriting and approval, actual rates may differ from those advertised.
Membership to GFA Federal Credit Union requires a $10 balance in a savings or checking account.
Equity Line: 10 year draw - 10 year repayment interest only payments, annual fee may apply.
Prime rate plus 2.000% with floor of 5.50%
Prime rate as published in the Wall Street Journal on the first business day of each month 6.750% (effective 12/11/2025).
MAX loan amount $250,000
Variable rate, subject to change without notice.
Home owners insurance may be required.
Home Equity Line of Credit - up to 80% LTV
| Term | Rate | Annual Percentage Rate (APR) | Current Variable Rate | Max APR |
|---|---|---|---|---|
| Equity Line | 6.750% | 6.750% | 6.750% | 18% |
Loan Rates are subject to credit underwriting and approval, actual rates may differ from those advertised.
Membership to GFA Federal Credit Union requires a $10 balance in a savings or checking account.
Equity Line: 10 yr draw - 10 yr repayment interest only payments, annual fee may apply.
Prime rate for the life of the loan, with a floor rate of 4.000%.
Prime rate as published in the Wall Street Journal on the first business day of each month 6.750% (effective 12/11/2025).
Variable rate, subject to change without notice.
Home owners insurance may be required.
Home Equity Loan - from 80.01% to 90% LTV
| Term | Rate | Annual Percentage Rate (APR) | Payments/$1,0001 |
|---|---|---|---|
| Up to 60 Months | 7.500% | 7.500% | $20.04 |
| Up to 120 Months | 8.000% | 8.000% | $12.13 |
| Up to 180 Months | 8.250% | 8.250% | $9.70 |
| Up to 240 Months | 8.500% | 8.500% | $8.68 |
Loan Rates are subject to credit underwriting and approval, actual rates may differ from those advertised.
Membership to GFA Federal Credit Union requires a $10 balance in a savings or checking account.
1Payment does not include taxes and insurance; actual payments may be greater
Home owners insurance may be required
MAX loan amount $250,000
Rates are subject to change without notice
Home Equity Loan - up to 80% LTV
| Term | Rate | Annual Percentage Rate (APR) | Payments/$1,0001 |
|---|---|---|---|
| Up to 60 Months | 6.500% | 6.500% | $19.57 |
| Up to 120 Months | 7.000% | 7.000% | $11.61 |
| Up to 180 Months | 7.125% | 7.125% | $9.06 |
| Up to 240 Months | 7.500% | 7.500% | $8.06 |
Loan Rates are subject to credit underwriting and approval, actual rates may differ from those advertised.
Membership to GFA Federal Credit Union requires a $10 balance in a savings or checking account
1Payment does not include taxes and insurance; actual payments may be greater.
Home owners insurance may be required.
Rates subject to change without notice.
Investment Property Home Equity Line of Credit - up to 80% LTV
| Term | Rate | Annual Percentage Rate (APR) | Current Variable Rate |
|---|---|---|---|
| Equity Line | 8.500% | 8.500% | 8.500% |
Loan Rates are subject to credit underwriting and approval, actual rates may differ from those advertised.
Membership to GFA Federal Credit Union requires a $10 balance in a savings or checking account.
Equity Line: 5 year draw - 10 year repayment interest only payments, annual fee may apply.
Prime rate plus 1.750% with floor of 5.50%
Prime rate as published in the Wall Street Journal on the first business day of each month 6.750% (effective 12/11/2025).
Variable rate, subject to change without notice.
Home owners insurance may be required.
IRA Share Certificates
| Term | Minimum Balance to Earn APY | Annual Percentage Yield (APY) | Dividend Rate | Minimum to Open |
|---|---|---|---|---|
| 3 Month Special | $500.00 | 1.00% | 1.00% | $500.00 |
| 3 < 6 Months | $500.00 | 0.20% | 0.20% | $500.00 |
| 5 Month Special | $500.00 | 3.80% | 3.74% | $500.00 |
| 6 Month Special | $500.00 | 2.75% | 2.72% | $500.00 |
| 6 < 12 Months | $500.00 | 0.25% | 0.25% | $500.00 |
| 10 Month Special | $500.00 | 3.70% | 3.64% | $500.00 |
| 12 < 24 Months | $500.00 | 0.35% | 0.35% | $500.00 |
| 15 Month Special | $500.00 | 3.60% | 3.54% | $500.00 |
| 24 < 36 Months | $500.00 | 0.40% | 0.40% | $500.00 |
| 25 Month Special | $500.00 | 3.20% | 3.15% | $500.00 |
| 36 < 48 Months | $500.00 | 0.60% | 0.60% | $500.00 |
| 48 < 60 Months | $500.00 | 0.75% | 0.75% | $500.00 |
| 60 =/< 84 Months | $500.00 | 0.85% | 0.85% | $500.00 |
Jumbo Fixed Rate Mortgages - over $832,750.00
15, 20, and 30 year terms available. Contact our Motgage Originators for current rates and to learn more.
Money Market
| Minimum Balance to Earn APY | Annual Percentage Yield (APY) |
Dividend Rate
|
Minimum to Open |
|---|---|---|---|
| $0.01 - $9,999.99 | 0.00% | 0.00% | $500.00 |
| $10,000.00 and above | 3.50% | 3.45% |
Motorcycle Loan Rates
| Term | APR1 | Payments/$1,000 |
|---|---|---|
| 36 Months | 9.99% | $34.31 |
| 60 Months | 10.99% | $23.13 |
| 72 Months | 11.49% | $20.53 |
1Annual Percentage Rate (APR). Loan Rates are subject to credit underwriting and approval, actual rates may differ from those advertised. Maximum terms allows determined by amount borrowed and underwriter discretion. Rates are subject to change and may change without notice. Additional rate add ons may apply. Advertised rates for motorcycles reflect a .25% discount for automatic payment. Advertised rates are offered to borrowers who qualify for our highest credit tier. Amount financed includes a $59.00 application fee and up to $195.00 VSI Insurance. Up to 125% financing available on consumer motorcycles. GFA membership is required, members must maintain a $10.00 deposit relationship.
Personal Loan Rates
| Personal Loan | Term | APR1 | Payments/$1,000 |
|---|---|---|---|
| 48 Month | 13.49% | $28.84 | |
| 72 Month | 15.49% | $22.83 | |
| Signature Loan2 | 12 Month | 17.49% | $92.11 |
1Annual Percentage Rate (APR). Loan Rates are subject to credit underwriting and approval, actual rates may differ from those advertised. Maximum terms allows determined by amount borrowed and underwriter discretion. Rates are subject to change and may change without notice. Advertised rates for personal loans reflect a .25% discount for automatic payment. Advertised rates are offered to borrowers who qualify for our highest credit tier. Amount financed includes a $59.00 application fee. GFA membership is required, members must maintain a $10.00 deposit relationship.
2Requires a 90 day active GFA membership with a minimum direct deposit of $250 per month, other qualifications apply. Published rate includes a .50% discount when you enroll in automatic payment. No credit pull, verification of income required, no application fee. Only 1 Signature Loan can be open at a time, no roll-overs, no more than 3 loans may be made within a 6 month rolling timeframe. Rates are subject to change without notice. You must apply directly to the Credit Union to be eligible. Not valid with any other offer and is non-transferable.
Recreational Vehicle Loan Rates
| Term | APR1 | Payments/$1,000 |
|---|---|---|
| 60 Months | 9.99% | $22.60 |
| 72 Months | 10.99% | $20.25 |
| 84 Months | 11.49% | $18.50 |
| 120 Months | 11.99% | $15.27 |
| 180 Months | 13.49% | $13.83 |
1Annual Percentage Rate (APR). Loan Rates are subject to credit underwriting and approval, actual rates may differ from those advertised. Maximum terms allows determined by amount borrowed and underwriter discretion. Rates are subject to change and may change without notice. Additional rate add ons may apply. Advertised rates for recreational vehicles reflect a .25% discount for automatic payment. Advertised rates are offered to borrowers who qualify for our highest credit tier. Amount financed includes a $59.00 application fee and up to $195.00 VSI Insurance. Up to 120% financing available on consumer recreational vehicles. For rates on recreational vehicles 2016 and older, please call us. Snowmobiles and ATV’s have a max term of 72 months. GFA membership is required, members must maintain a $10.00 deposit relationship.
Savings Accounts
| Product | Minimum Balance to Earn APY | Annual Percentage Yield (APY) | Dividend Rate | Minimum to Open |
|---|---|---|---|---|
| Statement Savings | $0.01 $50.00 $500.00 $5,000.00 |
0.00% 0.05% 0.05% 0.05% |
0.00% 0.05% 0.05% 0.05% |
$30.00 |
| Fusion Savings | $0.01 $25,000.00+ |
2.60% 1.60% |
2.57% 1.59% |
$1,000.00 |
| 18/65 Savings | $0.01 $10.00+ |
0.00% 0.05% |
0.00% 0.05% |
$10.00 |
| Savings IRA | $0.01 $50.00 $500.00 $5,000.00 |
0.00% 0.05% 0.05% 0.05% |
0.00% 0.05% 0.05% 0.05% |
$50.00 |
Student Saver Certificate
| Term | Minimum Balance to Earn APY | Annual Percentage Yield (APY) | Dividend Rate | Minimum to Open |
|---|---|---|---|---|
| 12 Months | $100.00 | 4.00% | 3.93% | $100.00 |
Term Share Certificates
| Term | Minimum Balance to Earn APY | Annual Percentage Yield (APY) | Dividend Rate | Minimum to Open |
|---|---|---|---|---|
| 3 Month Special | $500.00 | 3.75% | 3.69% | $500.00 |
| 3 < 6 Months | $500.00 | 0.20% | 0.20% | $500.00 |
| 5 Month Special | $500.00 | 3.80% | 3.74% | $500.00 |
| 6 Month Special | $500.00 | 3.75% | 3.69% | $500.00 |
| 6 < 12 Months | $500.00 | 0.25% | 0.25% | $500.00 |
| 8 Month Special1 | $1,000.00 | 4.00% | 3.93% | $1,000.00 |
| 10 Month Special | $500.00 | 3.70% | 3.64% | $500.00 |
| 12 < 24 Months | $500.00 | 0.35% | 0.35% | $500.00 |
| 15 Month Special | $500.00 | 4.25% | 4.17% | $500.00 |
| 24 < 36 Months | $500.00 | 0.40% | 0.40% | $500.00 |
| 25 Month Special | $500.00 | 3.20% | 3.15% | $500.00 |
| 36 < 48 Months | $500.00 | 0.60% | 0.60% | $500.00 |
| 48 < 60 Months | $500.00 | 0.75% | 0.75% | $500.00 |
| 60 =/< 84 Months | $500.00 | 0.85% | 0.85% | $500.00 |