Our Hadley Branch will reopen for regular Saturday hours on October 10. Water service was restored late Friday evening. Thank you for your patience.
Term Deposit Savings
We've got your best interest in mind.
UMassFive Term Deposits are a safe, effective way to save for any occasion. A Term Deposit allows you to lock in a higher interest rate for a specific period of time.
Term Deposit Savings Rates
| Duration | Dividend Rate | Dividend Rate with 2,500 Co-op Points | Annual Percentage Yield (APY) | APY with 2,500 Co-op Points |
|---|---|---|---|---|
| 90 Days | 1.50% | 1.75% | 1.51% | 1.76 % |
| 6 Month | 3.70% | 3.95% | 3.76% | 4.02% |
| 9 Month | 3.70% | 3.95% | 3.76% | 4.02% |
| 12 Month | 3.50% | 3.75% | 3.55% | 3.81% |
| 15 Month | 3.50% | 3.75% | 3.55% | 3.81% |
| 18 Month | 3.50% | 3.75% | 3.55% | 3.81% |
| 22 Month | 3.50% | 3.75% | 3.55% | 3.81% |
| 24 Month "Bump-up"^ | 3.35% | 3.60% | 3.40% | 3.66% |
| 24 Month | 3.60% | 3.85% | 3.66% | 3.91% |
| 29 Month | 3.60% | 3.85% | 3.66% | 3.91% |
| 36 Month | 3.75% | 4.00% | 3.81% | 4.07% |
| 48 Month | 3.75% | 4.00% | 3.81% | 4.07% |
| 60 Month "Bump-up"^ | 3.50% | 3.75% | 3.55% | 3.81% |
| 60 Month | 3.75% | 4.00% | 3.81% | 4.07% |
| Rates subject to change at any time. Rates effective as of October 5, 2026. |
Term Deposit Savings Rates
*There is a $500 minimum balance required to open any Term Deposit.
^ The rate for Bump-up Rate Term Deposits may be adjusted to the posted rate that is currently in effect, should the market rates rise to be more favorable. This bump-up adjustment can only be made once during your term, with a maximum increase up to 2.00% above your initial rate.
