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 UMassFive College Federal Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 18, 2026
UMassFive College Federal Credit Union's savings rates are at 0.03%. UMassFive College Federal Credit Union's 3/1 ARM rates are at 5.62%, 5/1 ARM rates are at 5.75%, 15 Year Fixed rates are at 5.75%, 20 Year Fixed rates are at 5.88%, 7/1 ARM rates are at 6.12%. UMassFive College Federal Credit Union's Personal Loan Rates are at 5.79%. MonitorBankRates evaluates the financial stability of UMassFive College Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 7.35%. Rates were last updated on 04/18/2026. UMassFive College Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at UMassFive College Federal Credit Union? Share your experience about UMassFive College Federal Credit Union by leaving a review below, or read customer reviews before you decide to use UMassFive College Federal Credit Union. UMassFive College Federal Credit Union
Hadley Branch 200 Westgate Center Dr
https://umassfive.coop/ Hadley, MA 01035 
UMassFive College Federal Credit Union Savings Rates
UMassFive College Federal Credit Union Checking Rates
UMassFive College Federal Credit Union Mortgage Rates
UMassFive College Federal Credit Union Auto Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for UMassFive College Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather UMassFive College Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with UMassFive College Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
UMassFive College Federal Credit Union
Website
https://umassfive.coop/
Address
200 Westgate Center Dr,
Hadley, MA 01035
Phone
413-256-5500
Fax
413-253-9124
President
Jacqueline Watrous
CEO
Richard Kump
Full-Time Employees
114
Part-Time Employees
5
Branch Locations
6
ATM Locations
4
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (96/100)
Texas Ratio
7.35%
Return on Assets (ROA)
0.3204%
Return on Equity (ROE)
3.4431%
Non-Performing Loans Ratio (NPL)
0.88%
Total Assets
703,682,743
Total Amount of Shares and Deposits
623,306,660
Total Shares and Deposits < 1 Year
569,890,607
Total Shares and Deposits 1 3 Years
49,908,083
Total Shares and Deposits > 3 Years
3,507,968
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
25,138,281
Total Uninsured Shares and Deposits > $250K (F+J)
25,138,281
Total Insured Shares and Deposits > $250K (item 17 less item K)
598,168,379
Total Interest Expense (Sum of items 6 8)
9,249,601
Share Certificates
5,135
Number of Accounts for Share Drafts
24,916
IRA KEOGH Accounts
945
Number of Accounts for Regular Shares
56,841
Non Member Deposits
5
Money Market Shares
1,107
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
40,337,266
Total Liabilities
649,625,293
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About UMassFive College Federal Credit UnionIs UMassFive College Federal Credit Union a safe place to deposit money?Yes, UMassFive College Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 7.3467456769312%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does UMassFive College Federal Credit Union operate?UMassFive College Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join UMassFive College Federal Credit Union?Yes, to access services at UMassFive College Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, UMassFive College Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, UMassFive College Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does UMassFive College Federal Credit Union offer online and mobile banking?Most modern institutions like UMassFive College Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://umassfive.coop/. Current UMassFive College Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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