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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.

Energy & Fuel Conservation Loans


Going green? We’ll finance virtually any energy-saving purchase or improvement you make to your home


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Efficiency, financed.


From updating your appliances to use less energy, to insulating your home to keep the energy you're producing in. We want to help you make sustainable decisions. 


    The Energy & Fuel Conservation Loan can be used for:

    • Home heating expenses such as oil bills (including pre-paid plans), propane/natural gas, wood/wood pellets, coal, etc.
    • Pre-paid gas cards, bus cards, and other public transportations passes.
    • ENERGY STAR rated appliances (including furnaces).
    • Energy-saving home improvements (insulation, weather-stripping, hot water heaters, windows, etc.).
    Purpose Annual Percentage Rate Limit Maximum Term
    Home Heating 3.90% $3,000 12 Months
    Other Improvements 3.90% $3,000 24 Months

    For disclosures and additional details, visit here.