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Membership Eligibility

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One of the biggest misconceptions about Credit Unions is that membership is reserved for an exclusive few.

Truth is—we're much more open than that.


While UMassFive originated by extending membership solely to the staff and students of the Five Colleges located here in the Pioneer Valley, we have grown pretty significantly over the years and now proudly extend membership to over 50 Local Organizations that share our vision and community-based values.

Take a look at our eligibility chart below to see how employees, students, and members of each of these groups qualify.

Skip to the Eligibility Chart

Not a member of any of those groups, but still want to join?

No problem.


Think Local

One of the easiest ways to qualify for membership is to join one of the local Co-ops that we serve. For example: a $35 CISA (Community Involved in Sustaining Agriculture) membership helps connect local farms to retailers, and will also immediately make you eligible for UMassFive membership. 

Sounds like a win-win.

Check Your Tree

Did you know that if someone in your family or household qualifies to join UMassFive, you could already be eligible for membership? 

That means “family members” (Defined as: siblings, parents, children, or a spouse) and members of a “household” (Defined as: partners or roommates that live in the same residence, and maintain a single economic unit) of a potential member all qualify to join.

Even better, the family tree rule still applies even if the eligible person doesn't want to join themselves—so take advantage of your brother's Co-op Membership. We don't need to tell him.

family tree of eligibility chart

Still not sure? Reach out to us. Our Member Service Specialists do this every day.


UMassFive Eligibility Chart


Organization Name Employees
Amherst College  
Amherst Golf Club    
Amherst (Town of)    
Belchertown (Town of)    
Clarke School for Hearing & Speech    
Collaborative for Educational Services  
Community Involved in Sustaining Agriculture (CISA)    
Dakin Pioneer Valley Humane Society    
Easthampton Electrical Services, Inc.    
Elaine Center at Hadley    
Five Colleges Inc    
Five College Learning in Retirement    
Food Bank of Western Massachusetts    
Franklin Community Co-op  
Franklin County Sherriff's Office    
Franklin Hampshire Career Center    
Greenfield Community College  
Hadley (Town of)    
Hampshire College  
Hampshire Hospitality Group    
Hampshire Regional School District    
Hatfield (Town of)    
Hitchcock Center    
Leverett Village Co-op  
Midtown Motors    
Millivision Technologies    
Mount Holyoke College  
New England Academy of Chinese Language & Culture (NEACLC)  
Northampton (City of)    
Northampton VA Medical Center    
Old Creamery Co-op  
Old School Homeowners Association    
Pelham (Town of)    
Pioneer Valley Chinese Immersion Charter School  
Pioneer Valley Performing Arts Charter School (PVPA)    
River Valley Co-op  
Sisters of Providence Health System    
Smith College  
South Hadley (Town of)    
Southampton (Town of)    
The Common School    
UMass Amherst Alumni Association    
UMass Memorial Hospital    
UMass Worcester Medical School  
UMassFive College F.C.U.    
University of Massachusetts Amherst  
University of Massachusetts Boston    
University of Massachusetts Dartmouth    
University of Massachusetts Lowell    
USDA, Amherst    
US Fish & Wildlife Service, Hadley    
Valley Medical Group    
Williamsburg Firefighters Association    
Williston-Northampton School    


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