Co-op Points Disclosures & Details
**Interest paid on Mortgages, Student Loans, Visa® Credit Cards, and Commercial Loans do not earn Co-op Points at this time. Points are awarded at the end of every statement period. Interest and dividend Points begin accumulating on 1/1/06. Points are earned on the whole dollar only; there is no "rounding up."
† Rate buy-down excludes all lines of credit, Mortgages, Student Loans, Visa® Credit Cards, and Commercial loans.
‡ Some priced services cannot be waived using Co-op Points. Ineligible priced services include but are not limited to mortgage discharges, credit card fees, abandoned property and inactivity fees, and ATM transaction fees. See the member and business fee schedules for a complete list.
§Non-deposit investment products and services are offered through CUSO Financial Services, L.P. ("CFS"), a registered broker-dealer (Member FINRA/SIPC) and SEC Registered Investment Advisor. Products offered through CFS: are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CFS. UMassFive College Federal Credit Union has contracted with CFS to make non-deposit investment products and services available to credit union members.