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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? Rewards programs? Financial guidance? We have it all. We’re member-owned, which means our earnings always go toward saving you money.

  • Enroll in Buzz Points and Support Local Business!

    By enrolling in Buzz Points, earn extra points when you shop local, and have the option to donate points to a local charity of your choice. 

    Login or Enroll in Buzz Points

  • mittens in shape of a heart

    Help Keep Our Communities Warm

    This December, we are collecting new or gently-used cold weather coats, clothing, accessories, and blankets to make a difference in our community. Donations are being accepted at our Hadley and Northampton branches. 

    Learn More

  • kid with gifts

    Cares for Kids 2020

    UMassFive is a proud sponsor of The River's Cares for Kids 2020 event. Join us in brightening the holiday season for local children!

    Learn More

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
UMassFive College Federal Credit Union is running a winter coat and cold-weather clothing drive in its Hadley and Northampton branches throughout the month of December.

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