Skip to main content

Please be aware that Online and Mobile Banking are currently experiencing intermittent system issues. We are actively working to restore access, but currently have no estimated time for complete resolution of the problem. Thank you for your patience while we work diligently to correct this issue.

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.

  • Woman traveling with CardSecure app

    Make a Travel Plan with CardSecure!

    Taking a trip? Make sure to let us know by entering your Travel Plan in the CardSecure app.

    More about CardSecure

  • man working on house

    Get all your home projects started with our Home Equity Line of Credit

    Plus with our 12-month introductory rate of 1.99% APR^, we'll help you get it all done. 

    Learn More and Apply

  • Woman Shopping Locally

    This October, Earn 5X the Buzz Points When You Shop Local

    Existing Buzz Points users—check your latest Buzz Points email for a list of eligible retailers to earn 5X the points. 

    Login or Enroll in Buzz Points Today

Current Rates

View All Rates

Advantage Checking
0.25% APY*

With Buzz Points rewards!

Rates as low as
1.99% 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 dividend 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