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Membership Eligibility

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One of the biggest misconceptions about Credit Unions is that membership is reserved for an exclusive few.

Truth is—we're much more open than that.


While UMassFive originated by extending membership solely to the staff and students of the Five Colleges located here in the Pioneer Valley, we have grown pretty significantly over the years and now proudly extend membership to over 50 Local Organizations that share our vision and community-based values.

Take a look at our eligibility chart below to see how employees, students, and members of each of these groups qualify.

Skip to the Eligibility Chart

Not a member of any of those groups, but still want to join?

No problem.


Think Local

One of the easiest ways to qualify for membership is to join one of the organizations we serve. UMassFive has established a mutually beneficial membership option with CISA (Community Involved in Sustaining Agriculture) that enables otherwise unqualified members to seamlessly open both memberships at once. By becoming a member of CISA, you will be eligible to join the Credit Union, and enjoy all the products and services we offer—plus you’ll be supporting local farms, and the local food economy.

Sounds like a win-win.

Even better, we'll do all the work opening your CISA membership for you, and as a thank you for supporting local farms, your CISA membership is on us. All you have to do is let  the representative helping you know you'd like to join CISA as well. If you're opening your membership online, select "I am not sure" from the eligibility dropdown to begin the joint CISA application.

Check Your Tree

Did you know that if someone in your family or household is a member of UMassFive, you could already be eligible for membership? 

That means “family members” (Defined as: siblings, parents, children, or a spouse) and members of a “household” (Defined as: partners or roommates that live in the same residence, and maintain a single economic unit) of a member all qualify to join.

family tree of eligibility chart

Still not sure? Reach out to us. Our Member Service Specialists do this every day.


UMassFive Eligibility Chart


Organization NameEmployees
Amherst College 
Amherst Golf Club  
Amherst (Town of)  
Belchertown (Town of)  
Clarke School for Hearing & Speech  
Collaborative for Educational Services 
Community Involved in Sustaining Agriculture (CISA)  
Dakin Pioneer Valley Humane Society  
Easthampton Electrical Services, Inc.  
Elaine Center at Hadley  
Five Colleges Inc  
Five College Learning in Retirement  
Food Bank of Western Massachusetts  
Franklin Community Co-op 
Franklin County Sheriff's Office  
Franklin Hampshire Career Center  
Greenfield Community College 
Hadley (Town of)  
Hampshire College 
Hampshire Hospitality Group  
Hampshire Regional School District  
Hatfield (Town of)  
Hitchcock Center  
Leverett Village Co-op 
Midtown Motors  
Millivision Technologies  
Mount Holyoke College 
New England Academy of Chinese Language & Culture (NEACLC) 
Northampton (City of)  
Northampton VA Medical Center  
Old Creamery Co-op 
Old School Homeowners Association  
Pelham (Town of)  
Pioneer Valley Chinese Immersion Charter School 
Pioneer Valley Performing Arts Charter School (PVPA)  
River Valley Co-op 
Smith College 
South Hadley (Town of)  
Southampton (Town of)  
The Common School  
Trinity Health of New England (MA locations)  
UMass Amherst Alumni Association  
UMass Memorial Hospital  
UMass Worcester Medical School 
UMassFive College F.C.U.  
University of Massachusetts Amherst 
University of Massachusetts Boston  
University of Massachusetts Dartmouth  
University of Massachusetts Lowell  
USDA, Amherst  
US Fish & Wildlife Service, Hadley  
Valley Medical Group  
Williamsburg Firefighters Association  
Williston-Northampton School  


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