Our Hadley Branch remains closed as repairs continue. An exact reopening date is not yet available. The drive-up Smart ATM remains open for deposits and loan payments, but please use caution as traffic patterns may shift during construction. Check our website or social media next week for updates. All other branches remain open as usual. Access your accounts anytime through online and mobile banking.
Business Money Manager
With our Business Money Manager and Money Manager Plus accounts, you can earn dividends without tying up your funds.
Business Savings, Elevated.
UMassFive's Business Money Manager and Money Manager Plus accounts offer tiered savings, allowing you to earn a higher rate for larger balances, all with the ability to withdraw or transfer your funds whenever you need them. Reap the rewards of our tiered interest rates and 24-hour online access with eStatements.
Business Money Manager Rates
| Tier | Balance | Dividend Rate | Annual Percentage Yield |
|---|---|---|---|
| 1 | $0-$25,000 | 0.50% | 0.50% |
| 2 | $25,000.01-$50,000 | 0.60% | 0.60% |
| 3 | $50,000.01-$75,000 | 0.70% | 0.70% |
| 4 | $75,000.01+ | 0.80% | 0.80% |
The Business Money Manager Savings account is dividend bearing with a $2,500 minimum balance required to open an account. A $10.00 service charge will be applied once per month if the balance drops below $2,500 at any time during the month.
| Rates subject to change at any time. Rates effective as of October 5, 2026. APY is accurate as of the last dividend declaration date., |
Business Money Manager Plus Rates
| Tier | Balance | Dividend Rate | Annual Percentage Yield |
|---|---|---|---|
| 1 | $0-$100,000 | 1.00% | 1.00% |
| 2 | $100,000.01-$200,000 | 2.75% | 1.00% - 1.89% |
| 3 | $200,000.01+ | 3.00% | 1.89% - 2.12% |
Rates as stated for Business Money Manager Plus Savings accounts apply only to the portions of the account balance in each tier, which will result in a blended Annual Percentage Yield for the full account balance. The Business Money Manager Plus Savings account is dividend bearing with a $100,000 minimum balance required to open an account. A $25.00 service charge will be applied once per month if the balance drops below $100,000 at any time during the month.
| Rates subject to change at any time. Rates effective as of October 5, 2026. APY is accurate as of the last dividend declaration date., |