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Term Share Certificate Savings


We've got your best interest in mind.

UMassFive Term Share Certificates are a safe, effective way to save for any occasion. Term Share Certificates allow you to lock in a higher interest rate for a specific period of time.

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Terms up to five years

We have terms available ranging from 90 days up to five years for those who want to optimize dividends.

Low initial deposit

With minimum balances starting at just $500, you can begin earning a higher rate sooner.

Choose your dividend payment method

You have the option to roll the interest you've earned back into the certificate.

Or, if you prefer, you may request that all dividends be transferred into any basic savings account on either a quarterly basis, or at the certificate's maturity.

Did You Know?

Term Share Certificates are one of the products you can get even more out of with Co-op Points! 

 Learn More


Term Share Certificate Savings Rates

Duration Dividend Rate Annual Percentage Yield
90 Days 0.05% 0.05%
6 Month 0.15% 0.15%
9 Month 0.20% 0.20%
12 Month 0.25% 0.25%
15 Month 0.25% 0.25%
18 Month 0.30% 0.30%
22 Month 0.35% 0.35%
24 Month 0.35% 0.35%
29 Month 0.40% 0.40%
36 Month 0.50% 0.50%
48 Month 0.55% 0.55%
60 Month 0.60% 0.60%

*There is a $500 minimum balance required to open any Term Share Certificate.


For disclosures and additional details, please visit here.

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