Our Hadley Branch will remain closed for at least Thursday, October 15, and Friday, October 16, due to ongoing water and plumbing issues. We will be opening the drive-up ATM with an improvised traffic flow for your convenience. All other branches remain open as usual during normal business hours. Access your accounts anytime through online and mobile banking.
Rewards Visa® Signature
Earn Points, Redeem However uChoose®.
With UMassFive's Rewards Visa® Signature Credit Card you earn points with every one of your purchases. Best of all, there's no limit to how much you can earn!
uChoose How You'd Like to be Rewarded!
With uChoose rewards* there's no revolving rewards, no guessing—earn 1.5 points on every $1 spent that you can cash in for travel, events, gift cards, or simply cash back!
Exclusive Travel Features
With exclusive features like No Foreign Transaction Fees, Lost Luggage Reimbursement, and Visa Signature Concierge, the Rewards Card is a must-pack item for your next destination. Plus, with My Cards within Online and Mobile Banking, you'll have access to on-demand controls for your credit card. Restrict usage to a specific geographic location, and instantly share your travel plans with UMassFive.
No Annual Fee
UMassFive will not charge you an annual fee for any of our credit cards.
Trusted Security
We take security very seriously. Our credit cards have the following enhanced security features to protect you against fraud:
- My Cards. Self-serve card controls built conveniently inside our Online Banking and Mobile Banking app.
- Visa Real Time Purchase Alerts. Receive a text or email alert each time you swipe your UMassFive Credit Card.
- EMV Chip technology.
- Verified By Visa. Designed to help you keep your transactions and personal information safe.
- Note: When your Visa credit card is being used in an unusual location or manner, we take notice. Please let us know about your international travel plans via Digital Banking to avoid any service interruption. If you believe there is fraud on your credit card, turn off your card by using My Cards and call 413-256-5500 and select Option 6.
Rewards Visa Signature Card Rate
Product | Annual Percentage Rate | Max Term | Limits |
|---|---|---|---|
| Rewards Visa Signature Credit Card | 16.25% - 18.00% | Revolving | $30,000.00 |
| The current prime rate is: 7.00%. Rates effective as of October 5, 2026. Rates subject to change at any time. |
Resources:
- Mobile Wallet - make checkout a breeze!
- uChoose Rewards - get rewarded for using your credit card!
- Visa Online Checkout - pay online at your favorite stores with a single sign in.
- If your credit card is lost or stolen
Disclosures and additional details
| The current prime rate is: 7.00%. Rates effective as of October 5, 2026. Rates subject to change at any time. |
Disclosures
• Variable rates subject to change. Rates are based on an index of Prime Rate plus a margin of 9.50%, 10.50%, 11.50%, 13.50%, 15.00%, or 18.00% based on your credit score (maximum capped at 18.00%).
• Total amount of all unsecured loans and lines of credit may not exceed $50,000 per member.
• You have 25 days to repay your balance for purchases in full by the payment date on your periodic billing statement.
• Method of computing the balance for Purchases: Average Daily Balance (excluding new purchases).
• Fees:
o $27.00 Late Fee
o $10.00 Card Replacement
o $20.00 Placed on Revoked List
o $5.00 Draft Copy
o 3% Balance Transfer Fee (min. $30.00)
o 3% Cash Advance Fee (min. $10.00)
o $5.00 Chargeback
o $27.00 Returned Payment Fee
• The minimum monthly payment is 2% of the unpaid balance with a minimum payment of $25. There are no default rates, limits as high as $50,000, and 24-hour customer service support.
• See Visa Signature Rewards terms & conditions for a summary of coverage for Lost Luggage Reimbursement.
* uChoose Rewards points accumulate automatically for all card purchases, and post at the start of each month. Points can be redeemed for rewards at any time via Online or Mobile Banking. Balance transfers and cash advances not eligible for points accumulation. See uChoose terms & conditions for additional information.
Details
Our Signature Rewards Visa cards all come with a special benefits package including:
• Travel and Emergency Assistance Services
• Auto Rental Collision Damage Waiver
• Extended Warranty Protection
• Lost Luggage Reimbursement
• Concierge Services