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UMassFive College Federal Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 1/13/2025
3.80%
Our Rating
4.2  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 1/13/2025
4.00%
Our Rating
4.6  / 5
SoFi Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 4.00% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 1/13/2025
4.50%
Our Rating
3.5  / 5
Jenius Bank
Jenius Savings Account
See Offer
Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 1/13/2025
4.46%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 1/13/2025
4.75%
Our Rating
4.2  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
Overview / Commentary
www.umassfive.coop
413-256-5500
200 Westgate Center Dr
Hadley, MA 01035-1060

UMassFive College Federal Credit Union is headquartered in Hadley and is the 20th largest credit union in the state of Massachusetts. It is also the 588th largest credit union in the nation. It was established in 1967 and as of September of 2024, it had grown to 126 employees and 50,876 members at 6 locations. UMassFive College Federal Credit Union's CD rates are 5X the national average, and it has a B health rating.

Field of Membership Restrictions

Membership is open to employees and students of the University of Massachusetts system, Amherst College, Hampshire College, Mount Holyoke College, and Smith College and select employee groups.
See current membership details

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Health
B

Data as of Q3 2024

Learn why bank health matters

Health Grade Components

Overall
NCUA #18181
Year Chartered1967
Employees126
Primary Regulator
Profit Margin
Return on Assets - YTD0.17%
Return on Equity - YTD2.44%
Annual Interest Income$25.3MM
Assets and Liabilities
AssetsQ3 2024vs Q3 2023$707.1MM$673.5MM
LoansQ3 2024vs Q3 2023$551.4MM$524.8MM
DepositsQ3 2024vs Q3 2023$594.4MM$580.5MM
Equity CapitalQ3 2024vs Q3 2023$49.3MM$40.3MM
Loan Loss AllowanceQ3 2024vs Q3 2023$4.7MM$4.2MM
Unbacked Noncurrent LoansQ3 2024vs Q3 2023$4.7MM$3.4MM
Real Estate OwnedQ3 2024vs Q3 2023$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 1/13/2025
3.80%
Our Rating
4.2  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 1/13/2025
4.00%
Our Rating
4.6  / 5
SoFi Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 4.00% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 1/13/2025
4.50%
Our Rating
3.5  / 5
Jenius Bank
Jenius Savings Account
See Offer
Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 1/13/2025
4.46%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 1/13/2025
4.75%
Our Rating
4.2  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
Rates
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Always verify rates and promotions with the bank or credit union. We are not UMassFive College Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

UMassFive College Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%$0-Base Savings
0.05%$5-Holiday Club
0.05%$5-Business Savings Account
0.05%$0-Goal savings
0.03%$100-IRA Share Account

UMassFive College Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.89%*$200k*-Money Manager Plus Savings Account
OTHER TIERS: 1.00% → $0 - $200k
1.89%*$200k*-Business Money Market Plus Savings Account
OTHER TIERS: 1.00% → $0 - $200k
0.80%*$75k*-Money Manager Savings Account
OTHER TIERS: 0.50% → $0 - $25k | 0.60% → $25k - $50k | 0.70% → $50k - $75k
0.80%*$75k*-Business Money Market Savings Account
OTHER TIERS: 0.50% → $0 - $25k | 0.60% → $25k - $50k | 0.70% → $50k - $75k

UMassFive College Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%$0$15kCo-op Advantage Checking
0.50%*$0$25kBusiness Co-op Advantage Checking
OTHER TIERS: 0.10% → $25k+
0.03%$100-Interest Bearing Checking

UMassFive College Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.48%$500-6 Month CD w/ 2,500 Co-op Points
4.48%$500-Business 6 Month CD w/ 2,500 Co-op Points
4.33%$500-9 Month CD w/ 2,500 Co-op Points
4.33%$500-Business 9 Month CD w/ 2,500 Co-op Points
4.22%$500-6 Month CD
4.22%$500-Business 6 Month CD
4.07%$500-9 Month CD
4.07%$500-12 Month CD w/ 2,500 Co-op Points
4.07%$500-15 Month CD w/ 2,500 Co-op Points
4.07%$500-Business 9 Month CD
4.07%$500-Business 12 Month CD w/ 2,500 Co-op Points
4.07%$500-Business 15 Month CD w/ 2,500 Co-op Points
3.81%$500-12 Month CD
3.81%$500-15 Month CD
3.81%$500-Business 12 Month CD
3.81%$500-Business 15 Month CD
3.55%$500-18 Month CD w/ 2,500 Co-op Points
3.55%$500-22 Month CD w/ 2,500 Co-op Points
3.55%$500-Business 18 Month CD w/ 2,500 Co-op Points
3.55%$500-Business 22 Month CD w/ 2,500 Co-op Points
3.45%$500-24 Month CD w/ 2,500 Co-op Points
3.45%$500-29 Month CD w/ 2,500 Co-op Points
3.45%$500-36 Month CD w/ 2,500 Co-op Points
3.45%$500-Business 24 Month CD w/ 2,500 Co-op Points
3.45%$500-Business 29 Month CD w/ 2,500 Co-op Points
3.45%$500-Business 36 Month CD w/ 2,500 Co-op Points
3.29%$500-18 Month CD
3.29%$500-22 Month CD
3.29%$500-Business 18 Month CD
3.29%$500-Business 22 Month CD
3.19%$500-24 Month CD
3.19%$500-29 Month CD
3.19%$500-36 Month CD
3.19%$500-24 Month Bump Up CD w/ 2,500 Co-op Points
3.19%$500-Business 24 Month Bump Up CD w/ 2,500 Co-op Points
3.19%$500-Business 24 Month CD
3.19%$500-Business 29 Month CD
3.19%$500-Business 36 Month CD
3.09%$500-48 Month CD w/ 2,500 Co-op Points
3.09%$500-Business 48 Month CD w/ 2,500 Co-op Points
3.04%$500-60 Month CD w/ 2,500 Co-op Points
3.04%$500-Business 60 Month CD w/ 2,500 Co-op Points
2.93%$500-24 Month Bump Up CD
2.93%$500-Business 24 Month Bump Up CD
2.83%$500-48 Month CD
2.83%$500-Business 48 Month CD
2.78%$500-60 Month CD
2.78%$500-60 Month Bump Up CD w/ 2,500 Co-op Points
2.78%$500-Business 60 Month Bump Up CD w/ 2,500 Co-op Points
2.78%$500-Business 60 Month CD
2.52%$500-60 Month Bump Up CD
2.52%$500-Business 60 Month Bump Up CD
1.25%$500-90 Day CD w/ 2,500 Co-op Points
1.25%$500-Business 90 Day CD w/ 2,500 Co-op Points
1.00%$500-90 Day CD
1.00%$500-Business 90 Day CD

UMassFive College Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.48%$500-6 Month Fixed IRA w/ 2500 Co-Op Points
4.33%$500-9 Month Fixed IRA w/ 2500 Co-Op Points
4.22%$500-6 Month Fixed IRA
4.07%$500-9 Month Fixed IRA
4.07%$500-12 Month Fixed IRA w/ 2500 Co-Op Points
4.07%$500-15 Month Fixed IRA w/ 2500 Co-Op Points
3.81%$500-12 Month Fixed IRA
3.81%$500-15 Month Fixed IRA
3.55%$500-18 Month Fixed IRA w/ 2500 Co-Op Points
3.55%$500-22 Month Fixed IRA w/ 2500 Co-Op Points
3.45%$500-24 Month Fixed IRA w/ 2500 Co-Op Points
3.45%$500-29 Month Fixed IRA w/ 2500 Co-Op Points
3.45%$500-36 Month Fixed IRA w/ 2500 Co-Op Points
3.29%$500-18 Month Fixed IRA
3.29%$500-22 Month Fixed IRA
3.19%$500-24 Month Fixed IRA
3.19%$500-29 Month Fixed IRA
3.19%$500-36 Month Fixed IRA
3.09%$500-48 Month Fixed IRA w/ 2500 Co-Op Points
3.04%$500-60 Month Fixed IRA w/ 2500 Co-Op Points
2.83%$500-48 Month Fixed IRA
2.78%$500-60 Month Fixed IRA
1.25%$500-90 Day Fixed IRA w/ 2500 Co-Op Points
1.00%$500-90 Day Fixed IRA
Locations


UMassFive College Federal Credit Union Locations
Branch Office200 Westgate Center DrHadley, MA 01035
Branch Office1 Campus Center Way Room 224Amherst, MA 01003
Branch Office245 King StNorthampton, MA 01060
Branch Office5 Lake Ave N Rm S1-820Worcester, MA 01605-2319
Branch Office233 Carew St Rm 110 Weldon Rehabilitation HospitalSpringfield, MA 01104-2377
Branch Office421 N Main st Building 1 Room 204Leeds, MA 01053

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