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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.

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

  • Members Save Up to $15!

    Start Saving

  • Get any UMassFive credit card & enjoy 7.99% APR^ on balance transfers for 12 months!

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

    Apply Today!

  • College, Prepped.

    Looking for scholarship opportunities? We're currently accepting applications!

    More Details in Our Blog

  • Debt Consolidation Loan

    Debt Free, on Your Terms.

    With flexible options for repayment, a Debt Consolidation Loan is the perfect solution to paying off other higher-interest debt,

    Apply Today!

  • UMassFive Supports the Cancer Connection

    Now through March 8 use your Buzz Points to Donate!

    More Details in Our Blog

Current Rates

View All Rates

Advantage Checking
1.95% APY*

Our most rewarding account.

Rates as low as
3.79% APR**

New purchase or refinance.

30 Year Fixed

Enjoy a low, fixed rate.

Low Rate Platinum
Visa Credit Card
Rates as low as
11.25% 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 $25/mo.      
  • High-yield 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
  • Solar Access 
  • Mass Save ® HEAT  
  • Bicycle      
  • Energy & Fuel Conservation      
  • Farm Share

Learn More


Featured News
Please join us at our Hadley Branch on Wednesday, March 18 for our 53rd Annual Meeting.

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

True Confessions: Friends think I'm weird because I rave about UMassFive more than anyone "with a life" should.

- Diane N.

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