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COVID-19 Updates - Important information regarding branch & service availability, remote banking options, resources for financial hardship, and more: Click Here

UMassFive has been approved to be a lender of the SBA's Payroll Protection Program (PPP) as a part of the recently passed 2020 CARES Act, and will be eligible to process PPP loans through the SBA's loan delivery system as soon as this system is made available to us. Please email our Commercial Services Division for additional information.


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It's Easy Being Green


At UMassFive, we believe a sustainable tomorrow can start today—that's why we support community-based sustainability projects, big and small. From clean alternative transportation, to heating and energy, UMassFive has a loan for you.


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Solar Loans

For the purchase and installation of solar electric systems.

  • Low-interest loans that will not tie up the equity in your home
  • Up to $60,000 and 120 month terms with Mass Solar
  • Up to $75,000 and 180 month terms with UMassFive's MySolar Loan
  • Mass Solar subsidy for eligible, income-qualified residents
  • No closing costs

Learn More

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Solar Access Loans

An exclusive program to UMassFive - finances the purchase and installation of solar panels, and an air sourced heat pump for qualified families. 

  • For income-eligible single-family homes
  • Combines utility, state, and federal incentives for renewable energy
  • No out-of-pocket costs

Learn More

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HEAT Loans

For the installation of qualifying, energy-efficient home improvements. 

  • Through MassSave®
  • 0% APR
  • Up to $15,000 and 84 months (standard HEAT loan)
  • Up to $25,000 and 84 months (enhanced HEAT loan and non-owner occupied standard HEAT loan)

Learn More

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Bicycle Loans

For the purchase of a bicycle as a means of alternative transportation. 

  • 3.9% APR for standard Bicycles
  • Short Term
  • Exclusive 0% financing for Quadrini Electric Bicycles

Learn More

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Energy & Fuel Conservation Loans

Invest in energy efficient appliances, or other fuel-saving home improvements.

  • 3.9% APR
  • Up to 24 Months

Learn More

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0% Farm Share Loan

Support local farms, and enjoy great local food.

  • 0% APR
  • Fixed Six Month Term

Learn More

APR = Annual Percentage Rate