Our Hadley Branch remains closed as repairs continue. An exact reopening date is not yet available. The drive-up Smart ATM remains open for deposits and loan payments, but please use caution as traffic patterns may shift during construction. Check our website or social media next week for updates. All other branches remain open as usual. Access your accounts anytime through online and mobile banking.
Term Deposit Savings
We've got your best interest in mind.
UMassFive Term Deposits are a safe, effective way to save for any occasion. A Term Deposit allows you to lock in a higher interest rate for a specific period of time.
Term Deposit Savings Rates
| Duration | Dividend Rate | Dividend Rate with 2,500 Co-op Points | Annual Percentage Yield (APY) | APY with 2,500 Co-op Points |
|---|---|---|---|---|
| 90 Days | 1.50% | 1.75% | 1.51% | 1.76 % |
| 6 Month | 3.70% | 3.95% | 3.76% | 4.02% |
| 9 Month | 3.70% | 3.95% | 3.76% | 4.02% |
| 12 Month | 3.50% | 3.75% | 3.55% | 3.81% |
| 15 Month | 3.50% | 3.75% | 3.55% | 3.81% |
| 18 Month | 3.50% | 3.75% | 3.55% | 3.81% |
| 22 Month | 3.50% | 3.75% | 3.55% | 3.81% |
| 24 Month "Bump-up"^ | 3.35% | 3.60% | 3.40% | 3.66% |
| 24 Month | 3.60% | 3.85% | 3.66% | 3.91% |
| 29 Month | 3.60% | 3.85% | 3.66% | 3.91% |
| 36 Month | 3.75% | 4.00% | 3.81% | 4.07% |
| 48 Month | 3.75% | 4.00% | 3.81% | 4.07% |
| 60 Month "Bump-up"^ | 3.50% | 3.75% | 3.55% | 3.81% |
| 60 Month | 3.75% | 4.00% | 3.81% | 4.07% |
| Rates subject to change at any time. Rates effective as of October 5, 2026. |
Term Deposit Savings Rates
*There is a $500 minimum balance required to open any Term Deposit.
^ The rate for Bump-up Rate Term Deposits may be adjusted to the posted rate that is currently in effect, should the market rates rise to be more favorable. This bump-up adjustment can only be made once during your term, with a maximum increase up to 2.00% above your initial rate.
