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ATM/Video Teller Machine Upgrades Update:
Please note our Hadley branch lobby ATM/Video Teller Machine is currently unavailable for use. Our Hadley drive-up teller window is available for your use during business hours, as well as the drive-up ATM for cash withdrawals.
Our Northampton branch lobby and drive-up ATM/Video Teller Machines are currently available for cash transactions only.

Credit Cards


UMassFive offers two outstanding Credit Card options for our members: Cash Back Visa Signature and Low Rate Visa Platinum.

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Through October 31, new and existing cardholders enjoy 3.99% APR^ on balance transfers for 12 months!

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

Earn unlimited 1.5%* cash back on every purchase!
Featuring our lowest rates to help you save money.
Find your Features.     Signature Card      low rate card
Minimum Credit Limit $5,000.00 $500.00
No Annual Fee
EMV Enabled for enhanced security  ★
Mobile Wallet Compatible
No Balance Transfer Fee    ★
1.5% Cash Back on All Purchases*  
Our Lowest Rate  
No Foreign Transaction Fees  
Visa Signature Concierge  
Lost Luggage Reimbursement**


*Visa Cash Back is applied automatically as a statement credit quarterly for active paid accounts in good standing. Rebate is based upon net purchases minus returns, which may result in a negative rebate. Cash Back terms are not applicable for balance transfers and cash advances. See Cardholder Agreement disclosure for terms & conditions.

**See Visa Signature Cash Back terms & conditions for summary of coverage for Lost Luggage Reimbursement.

^ APR=Annual Percentage Rate. The 3.99% promotional rate will be applied to all balance transfers made between August 15, 2020, and October 31, 2020 and will carry the promotional rate until 12 months after your first balance transfer is made. After this date your remaining balance will revert to your regular approved stated rate. You cannot transfer balances from other UMassFive accounts. Be sure not to transfer any disputed purchases or other charge amounts, as you may lose your dispute rights. Transfer may take up to 3 weeks to process; it is your responsibility to continue to make any necessary payments due on your credit cards and loans until the transfers have been completed. This promotional offer ends October 31, 2020 and no transfer will be made after this date at the special promotional 3.99% APR rate.

^^ Balance Transfer Fees waived for the UMassFive Cash Back Signature Visa for this promotional term only.