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A Community You Can Count On

At UMassFive, we are serious about making a positive difference in your financial life.

Co-op rewards? Specialty loans you won’t find anywhere else? Financial guidance? Technology to make busy lives easier?
We have it all. We’re member-owned, which means our earnings always go toward saving you money.


Current Rates

View All Rates

Term Deposit
9-15 Month Terms at
4.33% APY*

Co-op Points boost your rate!

5/5 ARM
As low as
5.99% APR**

For a brighter future.

Home Improvement
As low as
5.75% APR**

Perfect for small projects.

Co-op Advantage Checking

Co-op Advantage Checking

When you open a Co-op Advantage Checking account, you are making the most of your membership. The savings start here.      

  • Absolutely no minimum balance      
  • ATM fee refunds up to $10/month     
  • Competitive dividend rate

Learn More

Sustainability Loans

Sustainability Loans

At UMassFive, we care about the future of our planet and we have special loans available for all kinds of sustainability projects, big and small.

  • Solar
  • Mass Save ® HEAT  
  • Bicycle      
  • Energy & Fuel Conservation      
  • Farm Share

Learn More


Featured News
News & information from your Credit Union, with articles about the Co-op Advantage, and more! Read the eNewsletter Here

What Does it Mean to Bank with a Co-op?

The revenue we earn doesn’t go towards stockholders and investors; it goes towards competitive rates, member benefits, and other money saving services. All of our members own a piece of UMassFive, which means we work for you.

More About Membership

UMassFive is the most committed financial institution I have ever used. They have the best rates, kindest people, and highest ethical standards...Banking locally and cooperatively is the way to go! - David M.


Bank Local Anywhere.

Whether you use our mobile banking, online banking, local branches, or 5,000 networked, physical locations, UMassFive is always right around the corner. Plus, our Co-op Advantage Checking will refund fees from any ATM you use.

View Branches & ATM Locations