While emergency repairs have been completed, our Hadley Branch remains closed as we work with the town to ensure adequate water pressure and safe, usable facilities. We are hopeful the branch will reopen by the end of this week. All other branches remain open as usual. You can access your accounts anytime through online and mobile banking. Thank you for your patience and understanding.

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Holiday Loan

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Apply for a Holiday Loan Schedule an In-Branch Appointment

Reach your gifting goals

Avoid the high interest rates of credit cards this holiday season by borrowing up to $3,500 with our low-rate Holiday Loan Special.

  • Borrow up to $3,500

    Get extra funds for holiday shopping, travel, gifts, and seasonal expenses.

  • Competitive, fixed rates

    Enjoy rates starting at 7.74% APR with predictable monthly payments.

  • Flexible repayment

    Choose a repayment term that works best for your budget, with no prepayment penalty.

Holiday Loan Rates

TermAPR*
12 Months7.74%
24 Months7.99%
36 Months8.99%

 

Ready to get started?

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*APR is annual percentage rate. The rates and payments disclosed are based on a minimum credit score of 660. To receive approval for this offer, applicants must satisfy any applicable criteria bearing on their creditworthiness, including income, employment, and any other information provided on their application. The maximum loan amount is $3,500. A minimum approval of $500 required. Offer does not apply to the refinancing or paying off of any other UMassFive loan. Because this is a promotional rate, Co-op Points are not available to lower rate. Payment Example: The monthly payment for a 7.74% 12-month term loan is $86.85 per $1,000 borrowed. This offer ends December 31, 2026.