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Base Savings

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Your simplest savings solution. As a member of UMassFive, you're automatically enrolled in this savings account to house your $5 share of the Credit Union. It's free to use, and is built in your interest.

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  • Build Your Base

    Since this account holds your $5 membership share of the Credit Union, every membership with UMassFive will automatically benefit from the enhanced interest rate to build a base for achieving personal financial goals.

  • Easy to Access

    In an emergency, there is no greater comfort than knowing you have a safety net that is within reach.

    Each month you have the ability to electronically transfer funds between your accounts up to six times, and without limit in person. Deposits directly into your savings accounts are always unlimited.

  • Free Accounts

    All that is required is your $5 membership fee to get started building the base for all of your financial goals!

Base Savings Rates

Minimum Opening DepositBalanceDividend RateAnnual Percentage Yield
$5$0 - $5000.25%0.25%
-$500.01 and over0.05%0.25% - 0.05%
Rates subject to change at any time. Rates effective as of August 3, 2026. APY is accurate as of the last dividend declaration date.,

Base Savings Account Rates

*Rates as stated for Base 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. Fees could reduce the earnings on this account. Rate may change after account is opened.

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