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UMassFive: A Community You Can Count On

At UMassFive, we are serious about making a positive difference in your financial life.

Competitive rates? Specialty loans you won’t find anywhere else? Reward programs? Financial guidance? We have it all. We’re member-owned, which means our earnings always go toward saving you money.

  • Balance Transfer Promo: UMassFive credit card options

    New and existing credit cardholders enjoy 3.99% APR^ on balance transfers for 12 months!

    Plus, there's no balance transfer fees!^^

    Apply Today!

  • Staycation Personal Loan Special

    You don't always need to go far to get away.

    With our 7.99% APR Staycation Personal Loan, vacation can be closer than you think!

    Learn how easy it is to get away!

Current Rates

View All Rates

Advantage Checking
0.50% APY*

With Buzz Points rewards!

Rates as low as
2.99% APR**

New purchase or refinance.

30 Year Fixed

For new home purchases.

Low Rate Platinum
Visa Credit Card
Rates as low as
9.75% APR**

No balance transfer fee.

Co-op Advantage Checking & Buzz Points

Co-op Advantage Checking

When you open a Co-op Advantage Checking account and sign up for Buzz Points, you are making the most of your membership. The savings start here.      

  • Absolutely no minimum balance      
  • ATM fee refunds up to $10/month     
  • Competitive interest rate

Learn More

Buzz Points

  • Earn 1 point for every $5 you spend
  • Earn extra points when shopping local
  • Redeem points for local merchant discounts   
  • Track/redeem points with the Buzz Points mobile app

Learn More

Sustainability Loans

Sustainability Loans

At UMassFive, we care about the future of our planet and we have special loans available for all kinds of sustainability projects, big and small.

  • Solar
  • Mass Save ® HEAT  
  • Bicycle      
  • Energy & Fuel Conservation      
  • Farm Share

Learn More


Featured News
Did you know you can do most of your banking without having to step foot in one of our UMassFive branches?

What Does it Mean to Bank with a Co-op?

The revenue we earn doesn’t go towards stockholders and investors; it goes towards competitive rates, member benefits, and other money saving services. All of our members own a piece of UMassFive, which means we work for you.

More About Membership

UMassFive is the most committed financial institution I have ever used. They have the best rates, kindest people, and highest ethical standards...Banking locally and cooperatively is the way to go! - David M.

Bank Local Anywhere.

Whether you use our online banking, mobile banking, local branches, or 5,000 networked, physical locations, UMassFive is always right around the corner. Plus, our Co-op Advantage Checking will refund fees from any ATM you use.

View Branches & ATM Locations