Phone: (401) 739-4600 or (866) 739-9121 | Routing Number: 211590671

HEAT Loans

HEAT Loans

GCU is one of only four participating statewide lenders for the National Grid’s HEAT Loan Program. The HEAT Loan Program offers: 0%(APR) INTEREST FINANCING to qualified homeowners for certain energy efficiency improvements.


  • You own a 1-4 Family House with Gas and/or Electric Account with National Grid
  • You complete an EnergyWise Home Energy Assessment
  • Receive a HEAT Loan Authorization Form


Effective Date 4-1-2021


Eligible Customer 1-4 Unit PropertyTypeLoan AmountLoan Term
Owner OccupiedMicro Loan$500-$2,00024 Months
Owner Occupied 1-4 Unit Standard Loan$2,001-$25,000Up to 84 Months
Non-Owner Occupied 1-4 Unit Rental Property Loan$5,000-$25,000Up to 84 Months

Call today to schedule your Home Energy Assessment at 1-888-633-7947 or visit :


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