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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.

Local rewards? Specialty loans you won’t find anywhere else? Financial guidance? Technology to make busy lives easier?
We have it all. We’re member-owned, which means our earnings always go toward saving you money.

 

  • One Conversation Can Do Wonders.

    Did You Know? Being a member means you have complimentary access to our CFS* Financial Advisors at no additional cost to you.
    Schedule your appointment today!
    *Investments offered through CUSO Financial Services, L.P.

  • A Better Way to Pay for College. 

    Your Private Student Loan solution with clear guidance and flexible funding.

    Learn More

  • trees growing from paper

    Save paper—enroll in eDelivery!

    Opt in to get your account statements, loan statements, and important account notices delivered directly through Online Banking.  

    Login to Online Banking and click on Online Statements to manage your eDelivery preferences.

Current Rates

View All Rates

Co-op
Advantage Checking
0.25% APY*

With Buzz Points rewards!

Auto
Loans
Rates as low as
1.99% APR**

New purchase or refinance.

Mortgage
30 Year Fixed
-.----
APR**

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

 

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 mobile banking, online 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