UMassFive College Federal Credit Union

UMassFive College Federal Credit Union Locations

200 Westgate Center Drive P.O. Box 1060
Hadley, MA 01035-1060
800-852-5886
secure.umassfive.org

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UMassFive College Federal Credit Union is headquartered in Hadley and is the 27^th largest credit union in the state of Massachusetts. It is also the 549^th largest credit union in the nation. It was established in 1967 and as of September of 2011, it had grown to 67 employees and 26,777 members. UMassFive College Federal Credit Union has a 4-star health rating.

3.90% Reward Checking Account at UMassFive College FCU in Massachusetts - 12/30/2008

Update 10/04/09: The top rate has fallen to 3.90% APY.UMassFive College FCU is offering a reward checking account called Co-op Advantage Checking. It pays 3.90% APY on balances up to $25,000 (1.01% for above) and refunds up to $25 per cycle of nationwide...

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See Rates for: Checking | Savings | Money Market | CD | IRA

UMassFive College Federal Credit Union Checking Account Rates

Apy	Min	Max	Product
1.81%	-	$25k	Co-op Advantage Checking
0.25%	$500	-	Interest Bearing Checking
0.00%	-	-	Free Checking

UMassFive College Federal Credit Union Savings Account Rates

Apy	Min	Max	Product
0.25%	-	-	Share Savings
0.25%	-	-	Holiday Club
0.25%	$100	-	IRA Share Account

UMassFive College Federal Credit Union Money Market Rates

	Apy	Min	Max	Product
	0.40%	$50k	-	Money Fund Share Accounts

UMassFive College Federal Credit Union CD Rates

Apy	Min	Max	Product
2.02%	$500	-	60 Month CD
1.61%	$500	-	48 Month CD
1.10%	$500	-	36 Month CD
0.85%	$500	-	29 Month CD
0.75%	$500	-	24 Month CD
0.70%	$500	-	22 Month CD
0.65%	$500	-	18 Month CD
0.60%	$500	-	12 Month CD
0.60%	$500	-	15 Month CD
0.50%	$500	-	9 Month CD
0.45%	$500	-	6 Month CD
0.35%	$500	-	90 Day CD

UMassFive College Federal Credit Union IRA Rates

Apy	Min	Max	Product
2.02%	$100	-	60 Month Fixed IRA
2.02%	$100	-	60 Month Fixed Roth IRA
2.02%	$100	-	60 Month Fixed CESA
1.61%	$100	-	48 Month Fixed IRA
1.61%	$100	-	48 Month Fixed Roth IRA
1.61%	$100	-	48 Month Fixed CESA
1.46%	$100	-	60 Month Variable Rate IRA Certificate
1.46%	$100	-	60 Month Variable Rate Roth IRA Certificate
1.46%	$100	-	60 Month Variable Rate CESA Certificate
1.11%	$100	-	36 Month Fixed IRA
1.11%	$100	-	36 Month Fixed Roth IRA
1.11%	$100	-	36 Month Fixed CESA
0.85%	$100	-	29 Month Fixed IRA
0.85%	$100	-	29 Month Fixed Roth IRA
0.85%	$100	-	29 Month Fixed CESA
0.75%	$100	-	24 Month Fixed IRA
0.75%	$100	-	24 Month Fixed Roth IRA
0.75%	$100	-	24 Month Fixed CESA
0.70%	$100	-	22 Month Fixed IRA
0.70%	$100	-	22 Month Fixed Roth IRA
0.70%	$100	-	22 Month Fixed CESA
0.65%	$100	-	18 Month Fixed IRA
0.65%	$100	-	18 Month Fixed Roth IRA
0.65%	$100	-	18 Month Fixed CESA
0.60%	$100	-	12 Month Fixed IRA
0.60%	$100	-	15 Month Fixed IRA
0.60%	$100	-	12 Month Fixed Roth IRA
0.60%	$100	-	15 Month Fixed Roth IRA
0.60%	$100	-	12 Month Fixed CESA
0.60%	$100	-	15 Month Fixed CESA
0.50%	$100	-	9 Month Fixed IRA
0.50%	$100	-	9 Month Fixed Roth IRA
0.50%	$100	-	9 Month Fixed CESA
0.45%	$100	-	6 Month Fixed IRA
0.45%	$100	-	6 Month Fixed Roth IRA
0.45%	$100	-	6 Month Fixed CESA
0.35%	$100	-	90 Day Fixed IRA
0.35%	$100	-	90 Day Fixed Roth IRA
0.35%	$100	-	90 Day Fixed CESA

Rates updated: 2/11/2012

Data for Q3 2011

Institution Statistics

UMASSFIVE COLLEGE
NCUA #	18181
BankRate Report	View
Year Established	1967
Employees	67
Primary Regulator
Assets and Liabilities
Assets	$347.28 million
Loans	$225.65 million
Deposits	$320.49 million
Equity Capital	$25.99 million
Loan Loss Allowance	$1.22 million
Unbacked Noncurrent Loans	$2.78 million
Real Estate Owned	$248,000
Historic Data - September 2010
Assets	$316.94 million
Equity Capital	$23.98 million
Loan Loss Allowance	$962,000
Unbacked Noncurrent Loans	$3.26 million
Profit Margin - Quarterly
Net Interest Margin	3%
Return on Assets	0.31%
Return on Equity	4.2%
Interest Income	$10.12 million
Non-Interest Income	$2.09 million

Institution Health

Overall Score:

4 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of September 30, 2011 UMassFive College Federal Credit Union had $3.03 million in non-current loans and owned real-estate with $27.21 million in equity and loan loss allowances on hand to cover it. This gives UMassFive College Federal Credit Union a Texas Ratio of 11.13% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for UMassFive College Federal Credit Union held steady from 13.06% as of September 30, 2010 to 11.13% as of September 30, 2011, resulting in a positive change of 14.81%.This indicates that the balance sheet and financial strength for UMassFive College Federal Credit Union has held steady in recent periods.
Deposit Growth
In the past year, UMassFive College Federal Credit Union has increased its total deposits by $27.64 million, resulting in 9.44% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth UMassFive College Federal Credit Union has shown is excellent.
Capitalization
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. UMassFive College Federal Credit Union has $347.28 million in assets with $27.21 million in equity, resulting in a capitalization level of 7.83%, which is below average.