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UMassFive only invests in options that are either 100% guaranteed by the United States Government or implied 100% guaranteed by the United States Government. These include:

  • NCUA or FDIC Insured Credit Union or Bank Certificate of Deposit
  • Government Sponsored Enterprise (GSE) of the United States Government: Federal National Mortgage Association (FNMA); Federal Home Loan Mortgage Corporation (Freddie Mac); Government National Mortgage Association (GNMA)
  • Small Business Administration (SBA) and United States Department of Agriculture (USDA) guaranteed loans. UMassFive occasionally buys a portion of these types of loans that are 100% guaranteed by the United States Government.

Our aim is safety and soundness so we do not put member deposits at risk. UMassFive has never invested in: Fossil Fuel Funding Bonds; Pipeline Companies; Energy Companies; Gambling Industry; Corporate Bonds; Municipal Bonds, Mutual Funds of any kind.