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UMass Amherst Branch Closed May 20, 2022. Please note our UMass Amherst campus branch will be closed for the remainder of the week. Members are welcome to visit our Hadley Branch for any of your banking needs, and are encouraged to schedule an appointment in advance. As always, our online and mobile banking services remain available for your convenience, which includes the ability to deposit checks using our mobile banking app.

Base Savings


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

Our Base Savings Account is structured to help you build up savings for essential needs, like an emergency fund, faster with an enhanced dividend rate for the first $500.

Since this account holds your $5 membership share of the Credit Union, every membership with UMassFive will automatically benefit from this enhanced interest rate to help 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 Account Rates

Minimum Balance Balance Dividend Rate Annual Percentage Yield
$5 $0 - $500 0.25% 0.25%
- $500.01 and over 0.03% 0.03%
Rates subject to change at any time. Rates effective as of April 1, 2022.

*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.

Open an Account Today!