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UMassFive College Federal Credit Union

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UMassFive College Federal Credit Union Rates & Review November 2026

Q: What are the current interest rates at UMassFive College Federal Credit Union?

Current rates for UMassFive College Federal Credit Union include: 12-Month CD: 3.55%, 18-Month CD: 3.55%, 24-Month CD: 3.66%, 60-Month CD: 3.81%, Savings: 3.81%

Q: What CD terms does UMassFive College Federal Credit Union offer?

UMassFive College Federal Credit Union CD rates are 3.55% APY for a 12 month CD, 3.55% APY for an 18 month CD, 3.66% APY for a 2 year CD, 3.81% APY for a 3 year CD, 3.81% APY for a 4 year CD and 3.81% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with UMassFive College Federal Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 29, 2026

UMassFive College Federal Credit Union's 36 Month Fixed rates are at 3.81%, 48 Month Fixed rates are at 3.81%, 60 Month Fixed rates are at 3.81%, Business Term Deposit - 36 Month rates are at 3.81%, Business Term Deposit - 48 Month rates are at 3.81%. UMassFive College Federal Credit Union's savings rates are at 3.81%. UMassFive College Federal Credit Union's checking rates are as high as 0.50%. UMassFive College Federal Credit Union's 3/1 ARM rates are at 6.50%, 5/1 ARM rates are at 6.62%, 7/1 ARM rates are at 7.00%, 5/5 ARM rates are at 6.75%, 20 Year Fixed rates are at 6.88%. UMassFive College Federal Credit Union's Personal Loan Rates are as low as 6.88%. UMassFive College Federal Credit Union's Credit Card Rates are at 13.25%. UMassFive College Federal Credit Union's savings rates are 411% higher than the MonitorBankRates national average, and it has an A health rating. 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 7.52%. Rates last updated and verified on 10/29/2026.

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.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 96/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

7.52%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

UMassFive College Federal Credit Union
Hadley Branch

200 Westgate Center Dr
Hadley, MA 01035

https://umassfive.coop/

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

UMassFive College Federal Credit Union CD Rates

Product	Rate	APY	Term
36 Month Fixed	3.75%	3.81%	36 months
Min Balance $0 Details Fixed-term rate Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.45% → 3.81% ▲ 0.36 pts · high 3.81% / low 3.45% Oct 5, 20263.81%▲ from 3.45% Sep 14, 20263.45%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
48 Month Fixed	3.75%	3.81%	48 months
Min Balance $0 Details Fixed-term rate Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.50% → 3.81% ▲ 0.31 pts · high 3.81% / low 3.50% Oct 5, 20263.81%▲ from 3.50% Sep 14, 20263.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
60 Month Fixed	3.75%	3.81%	60 months
Min Balance $0 Details Fixed-term rate Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.55% → 3.81% ▲ 0.26 pts · high 3.81% / low 3.55% Oct 9, 20263.81%▲ from 3.55% Sep 14, 20263.55%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
IRA 36 Month Fixed	3.75%	3.81%	36 Month
Min Balance $0 Last Updated 10/29/2026 Rate History No change since Oct 15, 2026 · 3.81% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
IRA 48 Month Fixed	3.75%	3.81%	48 Month
Min Balance $0 Last Updated 10/29/2026 Rate History No change since Oct 15, 2026 · 3.81% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
IRA 60 Month Fixed	3.75%	3.81%	60 Month
Min Balance $0 Last Updated 10/29/2026 Rate History No change since Oct 15, 2026 · 3.81% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Term Deposit - 36 Month	3.75%	3.81%	36 Month
Min Balance $500 Details Dividends compound monthly; Early withdrawal penalty applies Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.81% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Term Deposit - 48 Month	3.75%	3.81%	48 Month
Min Balance $500 Details Dividends compound monthly; Early withdrawal penalty applies Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.81% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Term Deposit - 60 Month	3.75%	3.81%	60 Month
Min Balance $500 Details Dividends compound monthly; Early withdrawal penalty applies Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.81% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Term Deposit Savings - 36 Month	3.75%	3.81%	36 Month
Min Deposit $500 Details Dividend rate; $500 minimum to open Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.45% → 3.81% ▲ 0.36 pts · high 3.81% / low 3.45% Sep 24, 20263.81%▲ from 3.45% Sep 14, 20263.45%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Term Deposit Savings - 48 Month	3.75%	3.81%	48 Month
Min Deposit $500 Details Dividend rate; $500 minimum to open Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.50% → 3.81% ▲ 0.31 pts · high 3.81% / low 3.50% Sep 24, 20263.81%▲ from 3.50% Sep 14, 20263.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Term Deposit Savings - 60 Month	3.75%	3.81%	60 Month
Min Deposit $500 Details Dividend rate; $500 minimum to open Last Updated 10/29/2026 Rate History 2 changes since Sep 14, 2026 · 3.81% → 3.81% ▼ 0.00 pts · high 3.81% / low 3.55% Sep 24, 20263.81%▲ from 3.55% Sep 21, 20263.55%▼ from 3.81% Sep 14, 20263.81%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
6 Month Fixed	3.70%	3.76%	6 months
Min Balance $0 Details Fixed-term rate Last Updated 10/29/2026 Rate History 2 changes since Sep 14, 2026 · 3.24% → 3.76% ▲ 0.52 pts · high 3.76% / low 3.24% Oct 9, 20263.76%▲ from 3.40% Oct 5, 20263.40%▲ from 3.24% Sep 14, 20263.24%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
9 Month Fixed	3.70%	3.76%	9 months
Min Balance $0 Details Fixed-term rate Last Updated 10/29/2026 Rate History 2 changes since Sep 14, 2026 · 3.35% → 3.76% ▲ 0.41 pts · high 3.76% / low 3.35% Oct 9, 20263.76%▲ from 3.40% Oct 5, 20263.40%▲ from 3.35% Sep 14, 20263.35%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
IRA 6 Month Fixed	3.70%	3.76%	6 Month
Min Balance $0 Last Updated 10/29/2026 Rate History No change since Oct 15, 2026 · 3.76% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
IRA 9 Month Fixed	3.70%	3.76%	9 Month
Min Balance $0 Last Updated 10/29/2026 Rate History No change since Oct 15, 2026 · 3.76% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Term Deposit - 6 Month	3.70%	3.76%	6 Month
Min Balance $500 Details Dividends compound monthly; Early withdrawal penalty applies Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.76% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Term Deposit - 9 Month	3.70%	3.76%	9 Month
Min Balance $500 Details Dividends compound monthly; Early withdrawal penalty applies Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.76% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Term Deposit Savings - 6 Month	3.70%	3.76%	6 Month
Min Deposit $500 Details Dividend rate; $500 minimum to open Last Updated 10/29/2026 Rate History 2 changes since Sep 14, 2026 · 3.24% → 3.76% ▲ 0.52 pts · high 3.76% / low 3.24% Oct 23, 20263.76%▲ from 3.40% Sep 24, 20263.40%▲ from 3.24% Sep 14, 20263.24%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Term Deposit Savings - 9 Month	3.70%	3.76%	9 Month
Min Deposit $500 Details Dividend rate; $500 minimum to open Last Updated 10/29/2026 Rate History 2 changes since Sep 14, 2026 · 3.35% → 3.76% ▲ 0.41 pts · high 3.76% / low 3.35% Oct 23, 20263.76%▲ from 3.40% Sep 24, 20263.40%▲ from 3.35% Sep 14, 20263.35%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
24 Month Fixed	3.60%	3.66%	24 months
Min Balance $0 Details Fixed-term rate Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.40% → 3.66% ▲ 0.26 pts · high 3.66% / low 3.40% Oct 5, 20263.66%▲ from 3.40% Sep 14, 20263.40%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
29 Month Fixed	3.60%	3.66%	29 months
Min Balance $0 Details Fixed-term rate Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.45% → 3.66% ▲ 0.21 pts · high 3.66% / low 3.45% Oct 5, 20263.66%▲ from 3.45% Sep 14, 20263.45%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
IRA 24 Month Fixed	3.60%	3.66%	24 Month
Min Balance $0 Last Updated 10/29/2026 Rate History No change since Oct 15, 2026 · 3.66% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
IRA 29 Month Fixed	3.60%	3.66%	29 Month
Min Balance $0 Last Updated 10/29/2026 Rate History No change since Oct 15, 2026 · 3.66% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Term Deposit - 24 Month	3.60%	3.66%	24 Month
Min Balance $500 Details Dividends compound monthly; Early withdrawal penalty applies Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.66% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Term Deposit - 29 Month	3.60%	3.66%	29 Month
Min Balance $500 Details Dividends compound monthly; Early withdrawal penalty applies Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.66% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Term Deposit Savings - 24 Month	3.60%	3.66%	24 Month
Min Deposit $500 Details Dividend rate; $500 minimum to open Last Updated 10/29/2026 Rate History 2 changes since Sep 14, 2026 · 3.66% → 3.66% ▼ 0.00 pts · high 3.66% / low 3.40% Sep 24, 20263.66%▲ from 3.40% Sep 21, 20263.40%▼ from 3.66% Sep 14, 20263.66%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Term Deposit Savings - 29 Month	3.60%	3.66%	29 Month
Min Deposit $500 Details Dividend rate; $500 minimum to open Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.45% → 3.66% ▲ 0.21 pts · high 3.66% / low 3.45% Sep 24, 20263.66%▲ from 3.45% Sep 14, 20263.45%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
12 Month Fixed	3.50%	3.55%	12 months
Min Balance $0 Details Fixed-term rate Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.19% → 3.55% ▲ 0.36 pts · high 3.55% / low 3.19% Oct 5, 20263.55%▲ from 3.19% Sep 14, 20263.19%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
15 Month Fixed	3.50%	3.55%	15 months
Min Balance $0 Details Fixed-term rate Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.29% → 3.55% ▲ 0.26 pts · high 3.55% / low 3.29% Oct 5, 20263.55%▲ from 3.29% Sep 14, 20263.29%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
18 Month Fixed	3.50%	3.55%	18 months
Min Balance $0 Details Fixed-term rate Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.29% → 3.55% ▲ 0.26 pts · high 3.55% / low 3.29% Oct 5, 20263.55%▲ from 3.29% Sep 14, 20263.29%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
22 Month Fixed	3.50%	3.55%	22 months
Min Balance $0 Details Fixed-term rate Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.29% → 3.55% ▲ 0.26 pts · high 3.55% / low 3.29% Oct 5, 20263.55%▲ from 3.29% Sep 14, 20263.29%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
IRA 12 Month Fixed	3.50%	3.55%	12 Month
Min Balance $0 Last Updated 10/29/2026 Rate History No change since Oct 15, 2026 · 3.55% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
IRA 15 Month Fixed	3.50%	3.55%	15 Month
Min Balance $0 Last Updated 10/29/2026 Rate History No change since Oct 15, 2026 · 3.55% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
IRA 18 Month Fixed	3.50%	3.55%	18 Month
Min Balance $0 Last Updated 10/29/2026 Rate History No change since Oct 15, 2026 · 3.55% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
IRA 22 Month Fixed	3.50%	3.55%	22 Month
Min Balance $0 Last Updated 10/29/2026 Rate History No change since Oct 15, 2026 · 3.55% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Term Deposit - 12 Month	3.50%	3.55%	12 Month
Min Balance $500 Details Dividends compound monthly; Early withdrawal penalty applies Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.55% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Term Deposit - 15 Month	3.50%	3.55%	15 Month
Min Balance $500 Details Dividends compound monthly; Early withdrawal penalty applies Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.55% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Term Deposit - 18 Month	3.50%	3.55%	18 Month
Min Balance $500 Details Dividends compound monthly; Early withdrawal penalty applies Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.55% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Term Deposit - 22 Month	3.50%	3.55%	22 Month
Min Balance $500 Details Dividends compound monthly; Early withdrawal penalty applies Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.55% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Term Deposit Savings - 12 Month	3.50%	3.55%	12 Month
Min Deposit $500 Details Dividend rate; $500 minimum to open Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.19% → 3.55% ▲ 0.36 pts · high 3.55% / low 3.19% Sep 24, 20263.55%▲ from 3.19% Sep 14, 20263.19%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Term Deposit Savings - 15 Month	3.50%	3.55%	15 Month
Min Deposit $500 Details Dividend rate; $500 minimum to open Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.29% → 3.55% ▲ 0.26 pts · high 3.55% / low 3.29% Sep 24, 20263.55%▲ from 3.29% Sep 14, 20263.29%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Term Deposit Savings - 18 Month	3.50%	3.55%	18 Month
Min Deposit $500 Details Dividend rate; $500 minimum to open Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.29% → 3.55% ▲ 0.26 pts · high 3.55% / low 3.29% Sep 24, 20263.55%▲ from 3.29% Sep 14, 20263.29%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Term Deposit Savings - 22 Month	3.50%	3.55%	22 Month
Min Deposit $500 Details Dividend rate; $500 minimum to open Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.29% → 3.55% ▲ 0.26 pts · high 3.55% / low 3.29% Sep 24, 20263.55%▲ from 3.29% Sep 14, 20263.29%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Term Deposit Savings - 60 Month "Bump-up"	3.50%	3.55%	60 Month
Min Deposit $500 Details Bump-up Rate Term Deposit; rate may be adjusted once during term, maximum increase up to 2.00% above initial rate; $500 minimum to open Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.29% → 3.55% ▲ 0.26 pts · high 3.55% / low 3.29% Sep 24, 20263.55%▲ from 3.29% Sep 14, 20263.29%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Term Deposit Savings - 24 Month "Bump-up"	3.35%	3.40%	24 Month
Min Deposit $500 Details Bump-up Rate Term Deposit; rate may be adjusted once during term, maximum increase up to 2.00% above initial rate; $500 minimum to open Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.14% → 3.40% ▲ 0.26 pts · high 3.40% / low 3.14% Sep 24, 20263.40%▲ from 3.14% Sep 14, 20263.14%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%

UMassFive College Federal Credit Union Business CD Rates

Product	Rate	APY	Term
Business Term Deposit - 36 Month	3.75%	3.81%	36 Month
No additional details. Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 3.81% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Business Term Deposit - 48 Month	3.75%	3.81%	48 Month
No additional details. Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 3.81% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Business Term Deposit - 60 Month	3.75%	3.81%	60 Month
No additional details. Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 3.81% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Business Term Deposit - 6 Month	3.70%	3.76%	6 Month
No additional details. Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 3.76% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Business Term Deposit - 9 Month	3.70%	3.76%	9 Month
No additional details. Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 3.76% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Business Term Deposit - 24 Month	3.60%	3.66%	24 Month
No additional details. Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 3.66% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Business Term Deposit - 29 Month	3.60%	3.66%	29 Month
No additional details. Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 3.66% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Business Term Deposit - 12 Month	3.50%	3.55%	12 Month
No additional details. Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 3.55% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Business Term Deposit - 15 Month	3.50%	3.55%	15 Month
No additional details. Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 3.55% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Business Term Deposit - 18 Month	3.50%	3.55%	18 Month
No additional details. Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 3.55% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Business Term Deposit - 22 Month	3.50%	3.55%	22 Month
No additional details. Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 3.55% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%

UMassFive College Federal Credit Union Savings Rates

Product	Rate	APY
Money Manager Plus Savings Accounts+	1.00%	1.00%
Min Deposit $100,000 Min Balance $0 Details Tier 1; Balance: $0 - $100,000; $25.00 monthly service charge if balance drops below $100,000 Last Updated 10/29/2026 Rate History No change since Sep 29, 2026 · 1.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Money Manager Savings Accounts	0.80%	0.80%
Min Deposit $2,500 Min Balance $75,000 Details Tier 4; Balance: $75,000.01 and over; $10 service charge if balance drops below $2,500 during the month Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.80% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Money Manager Savings Accounts	0.70%	0.70%
Min Deposit $2,500 Min Balance $50,000 Details Tier 3; Balance: $50,000.01-$75,000; $10 service charge if balance drops below $2,500 during the month Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.70% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Money Manager Savings Accounts	0.60%	0.60%
Min Deposit $2,500 Min Balance $25,000 Details Tier 2; Balance: $25,000.01-$50,000; $10 service charge if balance drops below $2,500 during the month Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.60% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Money Manager Savings Accounts	0.50%	0.50%
Min Deposit $2,500 Min Balance $0 Details Tier 1; Balance: $0-$25,000; $10 service charge if balance drops below $2,500 during the month Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Base Savings	0.25%	0.25%
Min Balance $0 Details Balance: $0-$500; Rates for Base Savings apply to portions of the balance in each tier, producing a blended APY for the full balance Last Updated 10/29/2026 Rate History No change since Sep 29, 2026 · 0.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Goal Savings	0.05%	0.05%
Min Balance $0 Details Balance: No Minimum Balance Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Holiday Club	0.05%	0.05%
Min Balance $5 Details Balance: Balances Over $5 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
IRA Savings Account	0.03%	0.03%
No additional details. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.03% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%

UMassFive College Federal Credit Union Business Savings Rates

Product	Rate	APY	View More
Business Savings Account	0.05%	0.05%
Min Balance $5 Details Rates effective as of October 5, 2026 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%

UMassFive College Federal Credit Union Checking Rates

Product	Rate	APY
Co-op Advantage Checking	0.50%	0.50%
Details Balance: up to $15,000.00; For qualifying accounts; Rewards Rate Last Updated 10/29/2026 Rate History 3 changes since Sep 14, 2026 · 0.03% → 0.50% ▲ 0.47 pts · high 0.50% / low 0.03% Oct 13, 20260.50%▲ from 0.03% Sep 21, 20260.03%▼ from 0.50% Sep 18, 20260.50%▲ from 0.03% Sep 14, 20260.03%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Co-op Advantage Checking	0.03%	0.03%
Details If qualifications are not met; Base Rate Last Updated 10/29/2026 Rate History 4 changes since Sep 14, 2026 · 0.03% → 0.03% ▼ 0.00 pts · high 0.50% / low 0.03% Oct 23, 20260.03%▼ from 0.50% Oct 13, 20260.50%▲ from 0.03% Sep 21, 20260.03%▼ from 0.50% Sep 18, 20260.50%▲ from 0.03% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Interest Checking	0.03%	0.03%
Min Balance $500 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.03% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Simple Checking	0.00%	0.00%
Min Balance $0 Details No minimum balance Last Updated 10/29/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%

UMassFive College Federal Credit Union Business Checking Rates

Product	Rate	APY
Business Co-op Advantage Checking	0.50%	0.50%
Details Balance: $0.00 - $25,000.00; Qualifying accounts with balances up to $25,000 Last Updated 10/29/2026 Rate History 1 change since Oct 5, 2026 · 0.03% → 0.50% ▲ 0.47 pts · high 0.50% / low 0.03% Oct 13, 20260.50%▲ from 0.03% Oct 5, 20260.03%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Business Base Checking	0.00%	0.00%
No additional details. Last Updated 10/29/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%

UMassFive College Federal Credit Union Mortgage Rates

Product	Rate	Points	APR
3/1 ARM	6.50%	-	6.598%
Details Rates effective as of 10/28/2026, 11:07:31 AM (ET); based on a 45 day lock Last Updated 10/29/2026 Rate History 1 change since Oct 23, 2026 · 6.63% → 6.60% ▼ 0.03 pts · high 6.63% / low 6.60% Oct 29, 20266.60%▼ from 6.63% Oct 23, 20266.63%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
5/1 ARM	6.625%	-	6.648%
Details Rates effective as of 10/28/2026, 11:07:31 AM (ET); based on a 45 day lock Last Updated 10/29/2026 Rate History 1 change since Oct 23, 2026 · 6.70% → 6.65% ▼ 0.05 pts · high 6.70% / low 6.65% Oct 29, 20266.65%▼ from 6.70% Oct 23, 20266.70%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
7/1 ARM	7.00%	-	6.862%
Details Rates effective as of 10/28/2026, 11:07:31 AM (ET); based on a 45 day lock Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 6.86% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
5/5 ARM	6.75%	-	6.924%
Details Rates effective as of 10/28/2026, 11:07:31 AM (ET); based on a 45 day lock Last Updated 10/29/2026 Rate History 3 changes since Sep 18, 2026 · 6.77% → 6.92% ▲ 0.15 pts · high 7.05% / low 6.77% Oct 29, 20266.92%▼ from 7.05% Oct 23, 20267.05%▲ from 6.92% Sep 24, 20266.92%▲ from 6.77% Sep 18, 20266.77%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
20 Year Fixed	6.875%	-	7.006%
Details Rates effective as of 10/28/2026, 11:07:31 AM (ET); based on a 45 day lock Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 7.01% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
15 Year Fixed	6.875%	-	7.038%
Details Rates effective as of 10/28/2026, 11:07:31 AM (ET); based on a 45 day lock Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 7.04% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
30 Year Fixed	7.25%	-	7.352%
Details Rates effective as of 10/28/2026, 11:07:31 AM (ET); based on a 45 day lock Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 7.35% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
New Physician Mortgage - 30 Year Fixed	7.375%	-	7.478%
Details Rates effective as of 10/28/2026, 11:07:31 AM (ET); based on a 45 day lock Last Updated 10/29/2026 Rate History 5 changes since Sep 14, 2026 · 7.10% → 7.48% ▲ 0.38 pts · high 7.60% / low 7.10% Oct 29, 20267.48%▲ from 7.35% Oct 23, 20267.35%▼ from 7.60% Sep 29, 20267.60%▲ from 7.35% Sep 25, 20267.35%▲ from 7.23% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
MassHousing 30 Year Fixed	7.375%	-	7.53%
Details Rates effective as of 10/28/2026, 11:07:31 AM (ET); based on a 45 day lock Last Updated 10/29/2026 Rate History 7 changes since Sep 14, 2026 · 7.15% → 7.53% ▲ 0.38 pts · high 7.78% / low 7.15% Oct 29, 20267.53%▲ from 7.40% Oct 23, 20267.40%▼ from 7.78% Oct 15, 20267.78%▲ from 7.66% Oct 13, 20267.66%▼ from 7.78% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
30 Year Fixed - Home Ready	7.50%	-	7.656%
Details Rates effective as of 10/28/2026, 11:07:31 AM (ET); based on a 45 day lock Last Updated 10/29/2026 Rate History 6 changes since Sep 14, 2026 · 7.28% → 7.66% ▲ 0.38 pts · high 7.91% / low 7.28% Oct 29, 20267.66%▲ from 7.53% Oct 23, 20267.53%▼ from 7.78% Oct 13, 20267.78%▼ from 7.91% Oct 2, 20267.91%▲ from 7.78% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
FHA 30 Year Fixed	6.875%	-	7.674%
Details Rates effective as of 10/28/2026, 11:07:31 AM (ET); based on a 45 day lock Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 7.67% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
VA 30 Year Fixed	8.00%	-	8.386%
Details Rates effective as of 10/28/2026, 11:07:31 AM (ET); based on a 45 day lock Last Updated 10/29/2026 Rate History 2 changes since Sep 14, 2026 · 7.72% → 8.39% ▲ 0.67 pts · high 8.43% / low 7.72% Oct 29, 20268.39%▼ from 8.43% Sep 29, 20268.43%▲ from 7.72% Sep 14, 20267.72%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%

UMassFive College Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Up to 80% Loan-to-Value Home Equity Loan	-	-	6.49%	60 Months
Details As Low As; Max Term; Property insurance required Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 6.49% APR · checked 13 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Up to 80% Loan-to-Value Home Equity Line of Credit	-	-	6.75%	10 year
Details Term: 10 year draw, 10 year repay; As Low As; rates starting at; Max term: 10 year draw, 10 year repay; Variable rate adjusted monthly to Prime; floor rate 3.50%; maximum APR 18.00%; property insurance required Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 6.75% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Up to 80% Loan-to-Value Home Equity Loan	-	-	6.75%	120 Months
Details As Low As; Max Term; Property insurance required Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 6.75% APR · checked 13 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Up to 80% Loan-to-Value Home Equity Loan	-	-	6.88%	180 Months
Details As Low As; Max Term; Property insurance required Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 6.88% APR · checked 13 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Up to 80% Loan-to-Value Home Equity Loan	-	-	7.00%	240 Months
Details As Low As; Max Term; Property insurance required Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.00% APR · checked 13 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Over 80% to 90% Loan-to-Value Home Equity Loan	-	-	7.49%	60 Months
Details As Low As; Max Term; Property insurance required Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.49% APR · checked 13 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Over 80% to 90% Loan-to-Value Home Equity Line of Credit	-	-	8.00%	10 year
Details Term: 10 year draw, 10 year repay; As Low As; rates starting at; Max term: 10 year draw, 10 year repay; Variable rate adjusted monthly to Prime; floor rate 3.50%; maximum APR 18.00%; property insurance required Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 8.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Over 90% to 100% Loan-to-Value Home Equity Loan	-	-	8.49%	60 Months
Details As Low As; Max Term; Property insurance required Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 8.49% APR · checked 13 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Over 80% to 90% Loan-to-Value Home Equity Loan	-	-	8.75%	120 Months
Details As Low As; Max Term; Property insurance required Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 8.75% APR · checked 13 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Over 80% to 90% Loan-to-Value Home Equity Loan	-	-	8.88%	180 Months
Details As Low As; Max Term; Property insurance required Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 8.88% APR · checked 13 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Over 90% to 100% Loan-to-Value Home Equity Loan	-	-	9.25%	120 Months
Details As Low As; Max Term; Property insurance required Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 9.25% APR · checked 13 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Over 90% to 100% Loan-to-Value Home Equity Loan	-	-	9.38%	180 Months
Details As Low As; Max Term; Property insurance required Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 9.38% APR · checked 13 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%

UMassFive College Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Auto Loans	-	-	5.59%
Details As Low As; To purchase your next vehicle. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 5.59% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%

UMassFive College Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Motorcycle Loans - New & Used	-	7.49%	36 Months
Details APR with 2,500 Co-op Points: 7.24%; Limits: 100% Financing Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.49% APR · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
RV Loans - New & Used	-	7.49%	36 Months
Details APR with 2,500 Co-op Points: 7.24%; Terms over 48 months are only available for loan amounts above $20,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.49% APR · checked 13 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Motorcycle Loans - New & Used	-	8.24%	48 Months
Details APR with 2,500 Co-op Points: 7.99%; Limits: 100% Financing Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 8.24% APR · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
RV Loans - New & Used	-	8.24%	48 Months
Details APR with 2,500 Co-op Points: 7.99%; Terms over 48 months are only available for loan amounts above $20,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 8.24% APR · checked 13 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Motorcycle Loans - New & Used	-	8.80%	Over 48 Months
Details APR with 2,500 Co-op Points: 8.55%; Limits: 100% Financing; Terms over 48 months only available for loan amounts above $15,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 8.80% APR · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
RV Loans - New & Used	-	8.80%	Over 48 Months
Details APR with 2,500 Co-op Points: 8.55%; Terms over 48 months are only available for loan amounts above $20,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 8.80% APR · checked 13 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%

UMassFive College Federal Credit Union Credit Card Rates

Product	Rate	APR
Low Rate Visa Platinum Credit Card	-	13.25%
Details APR range: 13.25% - 17.25%; Max Term: Revolving; Limit: $30,000.00 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 13.25% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Rewards Visa Signature Credit Card	-	16.25%
Details Published APR range: 16.25% - 18.00%. Max Term: Revolving; Limit: $30,000.00; Variable rate: Prime Rate plus margin of 9.50%, 10.50%, 11.50%, 13.50%, 15.00%, or 18.00% based on credit score (maximum capped at 18.00%) Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 16.25% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%

UMassFive College Federal Credit Union Personal Loan Rates

Product	APR	Term
MySolar Loan	6.88%	60 Months
Details As Low As; Interest rate fixed for life of the loan; Limit: $100,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 6.88% APR · checked 13 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
MySolar Loan	7.38%	120 Months
Details As Low As; Interest rate fixed for life of the loan; Limit: $100,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.38% APR · checked 13 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
MySolar Loan	7.63%	180 Months
Details As Low As; Interest rate fixed for life of the loan; Limit: $100,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.63% APR · checked 13 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
MySolar Loan	7.88%	240 Months
Details As Low As; Interest rate fixed for life of the loan; Limit: $100,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.88% APR · checked 13 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Personal Loan	11.99%	48 Months
Details Limit: $25,000.00; 60 month term available for loan amounts of $15,001 or greater; terms up to 48 months available for loan amounts of $15,000 or less Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 11.99% APR · checked 13 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Personal Loan	13.49%	60 Months
Details Limit: $25,000.00; 60 month term available for loan amounts of $15,001 or greater; terms up to 48 months available for loan amounts of $15,000 or less Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 13.49% APR · checked 13 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Rewards Visa Signature Credit Card	16.25%
Details Published APR range: 16.25% - 18.00%. Max Term: Revolving; Limit: $30,000.00; Variable rate: Prime Rate plus margin of 9.50%, 10.50%, 11.50%, 13.50%, 15.00%, or 18.00% based on credit score (maximum capped at 18.00%) Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 16.25% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Personal Line of Credit	18.00%	Revolving
Details Limit: $25,000.00; total amount of all unsecured loans and lines of credit may not exceed $50,000 per member Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 18.00% APR · checked 13 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%

UMassFive College Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Standard Bicycle Loan	-	-	3.90%	36 Months
Details As Low As; Bicycle Loans; Limit: $5,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.90% APR · checked 13 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
90 Days Fixed	1.50%	-	1.51%	90 days
Min Balance $0 Details Fixed-term rate Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 1.00% → 1.51% ▲ 0.51 pts · high 1.51% / low 1.00% Oct 5, 20261.51%▲ from 1.00% Sep 14, 20261.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Business Money Manager Account	0.50%	-	0.50%
Min Balance $2,500 Details Balance: $0-$25,000 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 0.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Business Money Manager Account	0.60%	-	0.60%
Min Balance $25,000 Details Balance: $25,000.01-$50,000 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 0.60% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Business Money Manager Account	0.70%	-	0.70%
Min Balance $50,000 Details Balance: $50,000.01-$75,000 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 0.70% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Business Money Manager Account	0.80%	-	0.80%
Min Balance $75,000 Details Balance: $75,000.01+ Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 0.80% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Business Money Manager Plus	1.00%	-	1.00%
Min Deposit $100,000 Min Balance $0 Details Balance: $0-$100,000; Tier 1; $25 service charge if balance drops below $100,000 at any time during the month; rates apply to portions of balance in each tier Last Updated 10/29/2026 Rate History No change since Oct 15, 2026 · 1.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Business Term Deposit - 90 Days	1.50%	-	1.51%	90 Days
Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 1.51% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Graduate Term Deposits	-	-	4.25%
Min Balance $0 Details Balance: $0 - $15,000.00; Member age 13-17; One Graduate Term Deposit allowed per UMassFive member; Co-op Points are not available to increase rate on Graduate Term Deposits Last Updated 10/29/2026 Rate History No change since Sep 29, 2026 · 4.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
IRA 90 Days Fixed	1.50%	-	1.51%	90 Days
Min Balance $0 Last Updated 10/29/2026 Rate History No change since Oct 15, 2026 · 1.51% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Term Deposit - 90 Days	1.50%	-	1.51%	90 Days
Min Balance $500 Details Dividends compound monthly; Early withdrawal penalty applies Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 1.51% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Term Deposit Savings - 90 Days	1.50%	-	1.51%	90 Days
Min Deposit $500 Details Dividend rate; $500 minimum to open Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 1.00% → 1.51% ▲ 0.51 pts · high 1.51% / low 1.00% Sep 24, 20261.51%▲ from 1.00% Sep 14, 20261.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Youth Term Deposits	-	-	4.00%
Min Balance $0 Details Ages: 0-12; Balance: $0 -$10,000; Co-op Points not available to increase rate; One Youth Term Deposit allowed per UMassFive member Last Updated 10/29/2026 Rate History No change since Sep 29, 2026 · 4.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

UMassFive College Federal Credit Union’s Texas Ratio rose from 5.22% in Q3 2023 to 7.52% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$703M	7.52%	5.0	A
March 31, 2026	$712M	7.37%	5.0	A
December 31, 2025	$704M	7.03%	5.0	A
September 30, 2025	$704M	6.81%	5.0	A
June 30, 2025	$705M	7.32%	5.0	A
March 31, 2025	$716M	7.81%	5.0	A
December 31, 2024	$697M	8.93%	5.0	A
September 30, 2024	$707M	6.99%	5.0	A
June 30, 2024	$700M	6.20%	5.0	A
March 31, 2024	$708M	7.13%	5.0	A
December 31, 2023	$701M	5.76%	5.0	A+
September 30, 2023	$673M	5.22%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates 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 Lauren Duffy

Full-Time Employees 129

Part-Time Employees 5

Branch Locations 7

ATM Locations 5

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (96/100)

Texas Ratio

7.52%

Return on Assets (ROA)

0.2622%

Return on Equity (ROE)

2.7154%

Non-Performing Loans Ratio (NPL)

1.02%

Total Assets

702,682,403

Total Amount of Shares and Deposits

632,153,981

Total Shares and Deposits < 1 Year

560,644,289

Total Shares and Deposits 1 3 Years

66,306,994

Total Shares and Deposits > 3 Years

5,202,698

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

31,044,888

Total Uninsured Shares and Deposits > $250K (F+J)

31,044,888

Total Insured Shares and Deposits > $250K (item 17 less item K)

601,109,093

Total Interest Expense (Sum of items 6 8)

5,248,814

Share Certificates

5,054

Number of Accounts for Share Drafts

25,286

IRA KEOGH Accounts

938

Number of Accounts for Regular Shares

57,147

Non Member Deposits

Money Market Shares

1,183

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

43,699,964

Total Liabilities

645,591,883

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

UMassFive College Federal Credit Union earned the Verified Healthy badge

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Frequently Asked Questions About UMassFive College Federal Credit Union

Does UMassFive College Federal Credit Union offer CDs?

Yes. UMassFive College Federal Credit Union current CD rates include its 36 Month Fixed CD at 3.81% APY, its 48 Month Fixed CD at 3.81% APY and its 60 Month Fixed CD at 3.81% APY, verified by MonitorBankRates as of October 29, 2026.

Are CDs from UMassFive College Federal Credit Union NCUA insured?

Yes. UMassFive College Federal Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at UMassFive College Federal Credit Union?

The highest UMassFive College Federal Credit Union CD rate is its 36 Month Fixed CD at 3.81% APY, verified by MonitorBankRates as of October 29, 2026.

What CD terms does UMassFive College Federal Credit Union offer?

UMassFive College Federal Credit Union CD rates are 3.55% APY for a 12 month CD, 3.55% APY for an 18 month CD, 3.66% APY for a 2 year CD, 3.81% APY for a 3 year CD, 3.81% APY for a 4 year CD and 3.81% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with UMassFive College Federal Credit Union for its full lineup.

What is the highest savings rate at UMassFive College Federal Credit Union?

The highest UMassFive College Federal Credit Union savings rate is its Term Deposit Savings - 36 Month at 3.81% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest checking rate at UMassFive College Federal Credit Union?

The highest UMassFive College Federal Credit Union checking rate is its Business Co-op Advantage Checking at 0.50% APY, verified by MonitorBankRates as of October 29, 2026.

What is the lowest 30 year fixed mortgage rate at UMassFive College Federal Credit Union?

The lowest UMassFive College Federal Credit Union 30 year fixed mortgage rate is its FHA 30 Year Fixed at 6.875%, verified by MonitorBankRates as of October 29, 2026. UMassFive College Federal Credit Union mortgage rates are 7.25% for a 30 year mortgage, 6.875% for a 20 year mortgage, 6.875% for a 15 year mortgage, 6.50% for a 3/1 ARM, 6.625% for a 5/1 ARM, 6.75% for a 5/5 ARM and 7.00% for a 7/1 ARM.

What is the lowest auto loan rate at UMassFive College Federal Credit Union?

The lowest UMassFive College Federal Credit Union auto loan rate is its Auto Loans at 5.59% APR, verified by MonitorBankRates as of October 29, 2026.

What is the lowest personal loan rate at UMassFive College Federal Credit Union?

The lowest UMassFive College Federal Credit Union personal loan rate is its Personal Loan at 11.99% APR, verified by MonitorBankRates as of October 29, 2026.

What is the lowest credit card APR at UMassFive College Federal Credit Union?

The lowest UMassFive College Federal Credit Union credit card APR is its Low Rate Visa Platinum Credit Card at 13.25% APR, verified by MonitorBankRates as of October 29, 2026.

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/.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do UMassFive College Federal Credit Union rates compare?

UMassFive College Federal Credit Union's savings rates are 411% higher than the MonitorBankRates national average, and it has an A health rating. UMassFive College Federal Credit Union's top rates are its 36 Month Fixed CD at 3.81% APY, its Term Deposit Savings - 36 Month at 3.81% APY, its Business Co-op Advantage Checking at 0.50% APY, its 3/1 ARM at 6.50%, its MySolar Loan at 6.88% APR and its Low Rate Visa Platinum Credit Card at 13.25% APR, verified by MonitorBankRates on October 29, 2026.

Current UMassFive College Federal Credit Union Rates

12-Month CD3.55%
18-Month CD3.55%
24-Month CD3.66%
60-Month CD3.81%
Savings3.81%

Retrieved from our database of financial products. Rates subject to change.

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UMassFive College Federal Credit Union Rates & Review November 2026

Brian McKay

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UMassFive College Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About UMassFive College Federal Credit Union

Does UMassFive College Federal Credit Union offer CDs?

Are CDs from UMassFive College Federal Credit Union NCUA insured?

What is the highest CD rate at UMassFive College Federal Credit Union?

What CD terms does UMassFive College Federal Credit Union offer?

What is the highest savings rate at UMassFive College Federal Credit Union?

What is the highest checking rate at UMassFive College Federal Credit Union?

What is the lowest 30 year fixed mortgage rate at UMassFive College Federal Credit Union?

What is the lowest auto loan rate at UMassFive College Federal Credit Union?

What is the lowest personal loan rate at UMassFive College Federal Credit Union?

What is the lowest credit card APR at UMassFive College Federal Credit Union?

How many branches does UMassFive College Federal Credit Union operate?

Is a member application needed to join UMassFive College Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does UMassFive College Federal Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do UMassFive College Federal Credit Union rates compare?

Current UMassFive College Federal Credit Union Rates

Compare to Other Credit Unions