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%

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UMassFive College Federal Credit Union

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UMassFive College Federal Credit Union Rates & Review October 2026

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 9, 2026

UMassFive College Federal Credit Union's top rates as of October 9, 2026 are 3.81% APY on its 36 Month Fixed CD, 3.81% APY on savings, 0.50% APY on checking, 6.75% on its 3/1 ARM mortgage, personal loans from 11.99% APR, and credit cards from 13.25% APR, according to rates verified by MonitorBankRates. Other UMassFive College Federal Credit Union CD rates include 48 Month Fixed at 3.81%, 60 Month Fixed at 3.81%, and 6 Month Fixed at 3.76%. Other UMassFive College Federal Credit Union mortgage rates include Mortgage - 5/1 ARM at 6.88%, Mortgage - 7/1 ARM at 7.25%, and Mortgage - 5/5 ARM at 7.00%. 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 10/09/2026.

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 Q2 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 Month
Min Balance $500 Details Dividend Rate with 2,500 Co-op Points: 4.00%; APY with 2,500 Co-op Points: 4.07% Last Updated 10/09/2026 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 Month
Min Balance $500 Details Dividend Rate with 2,500 Co-op Points: 4.00%; APY with 2,500 Co-op Points: 4.07% Last Updated 10/09/2026 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 Month
Min Balance $500 Details Dividend Rate with 2,500 Co-op Points: 4.00%; APY with 2,500 Co-op Points: 4.07% Last Updated 10/09/2026 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%
6 Month Fixed	3.70%	3.76%	6 Month
Min Balance $500 Details Dividend Rate with 2,500 Co-op Points: 3.95%; APY with 2,500 Co-op Points: 4.02% Last Updated 10/09/2026 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 Month
Min Balance $500 Details Dividend Rate with 2,500 Co-op Points: 3.95%; APY with 2,500 Co-op Points: 4.02% Last Updated 10/09/2026 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%
24 Month Fixed	3.60%	3.66%	24 Month
Min Balance $500 Details Dividend Rate with 2,500 Co-op Points: 3.85%; APY with 2,500 Co-op Points: 3.91% Last Updated 10/09/2026 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 Month
Min Balance $500 Details Dividend Rate with 2,500 Co-op Points: 3.85%; APY with 2,500 Co-op Points: 3.91% Last Updated 10/09/2026 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%
12 Month Fixed	3.50%	3.55%	12 Month
Min Balance $500 Details Dividend Rate with 2,500 Co-op Points: 3.75%; APY with 2,500 Co-op Points: 3.81% Last Updated 10/09/2026 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 Month
Min Balance $500 Details Dividend Rate with 2,500 Co-op Points: 3.75%; APY with 2,500 Co-op Points: 3.81% Last Updated 10/09/2026 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 Month
Min Balance $500 Details Dividend Rate with 2,500 Co-op Points: 3.75%; APY with 2,500 Co-op Points: 3.81% Last Updated 10/09/2026 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 Month
Min Balance $500 Details Dividend Rate with 2,500 Co-op Points: 3.75%; APY with 2,500 Co-op Points: 3.81% Last Updated 10/09/2026 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%

UMassFive College Federal Credit Union Business CD Rates

Product	Rate	APY	Term
Business Savings Account - 36 Month	3.75%	3.81%	36 Month
Details Dividend Rate with 2,500 Co-op Points: 4.00%, APY with 2,500 Co-op Points: 4.07% Last Updated 10/09/2026 Rate History 1 change since Sep 21, 2026 · 3.71% → 3.81% ▲ 0.10 pts · high 3.81% / low 3.71% Oct 9, 20263.81%▲ from 3.71% Sep 21, 20263.71%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Business Savings Account - 48 Month	3.75%	3.81%	48 Month
Details Dividend Rate with 2,500 Co-op Points: 4.00%, APY with 2,500 Co-op Points: 4.07% Last Updated 10/09/2026 Rate History 1 change since Sep 21, 2026 · 3.76% → 3.81% ▲ 0.05 pts · high 3.81% / low 3.76% Oct 9, 20263.81%▲ from 3.76% Sep 21, 20263.76%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Business Savings Account - 60 Month	3.75%	3.81%	60 Month
Details Dividend Rate with 2,500 Co-op Points: 4.00%, APY with 2,500 Co-op Points: 4.07% Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 3.81% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Business Savings Account - 6 Month	3.70%	3.76%	6 Month
Details Dividend Rate with 2,500 Co-op Points: 3.95%, APY with 2,500 Co-op Points: 4.02% Last Updated 10/09/2026 Rate History 1 change since Sep 21, 2026 · 3.50% → 3.76% ▲ 0.26 pts · high 3.76% / low 3.50% Oct 9, 20263.76%▲ from 3.50% Sep 21, 20263.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Business Savings Account - 9 Month	3.70%	3.76%	9 Month
Details Dividend Rate with 2,500 Co-op Points: 3.95%, APY with 2,500 Co-op Points: 4.02% Last Updated 10/09/2026 Rate History 1 change since Sep 21, 2026 · 3.60% → 3.76% ▲ 0.16 pts · high 3.76% / low 3.60% Oct 9, 20263.76%▲ from 3.60% Sep 21, 20263.60%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Business Savings Account - 24 Month	3.60%	3.66%	24 Month
Details Dividend Rate with 2,500 Co-op Points: 3.85%, APY with 2,500 Co-op Points: 3.91% Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 3.66% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Business Savings Account - 29 Month	3.60%	3.66%	29 Month
Details Dividend Rate with 2,500 Co-op Points: 3.85%, APY with 2,500 Co-op Points: 3.91% Last Updated 10/09/2026 Rate History 1 change since Sep 21, 2026 · 3.71% → 3.66% ▼ 0.05 pts · high 3.71% / low 3.66% Oct 9, 20263.66%▼ from 3.71% Sep 21, 20263.71%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Business Savings Account - 12 Month	3.50%	3.55%	12 Month
Details Dividend Rate with 2,500 Co-op Points: 3.75%, APY with 2,500 Co-op Points: 3.81% Last Updated 10/09/2026 Rate History 1 change since Sep 21, 2026 · 3.45% → 3.55% ▲ 0.10 pts · high 3.55% / low 3.45% Oct 9, 20263.55%▲ from 3.45% Sep 21, 20263.45%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Business Savings Account - 15 Month	3.50%	3.55%	15 Month
Details Dividend Rate with 2,500 Co-op Points: 3.75%, APY with 2,500 Co-op Points: 3.81% Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 3.55% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Business Savings Account - 18 Month	3.50%	3.55%	18 Month
Details Dividend Rate with 2,500 Co-op Points: 3.75%, APY with 2,500 Co-op Points: 3.81% Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 3.55% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Business Savings Account - 22 Month	3.50%	3.55%	22 Month
Details Dividend Rate with 2,500 Co-op Points: 3.75%, APY with 2,500 Co-op Points: 3.81% Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 3.55% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Business Savings Account - 60 Month "Bump-up"	3.50%	3.55%	60 Month
Details Dividend Rate with 2,500 Co-op Points: 3.75%, APY with 2,500 Co-op Points: 3.81% Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 3.55% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Business Savings Account - 24 Month "Bump-up"	3.35%	3.40%	24 Month
Details Dividend Rate with 2,500 Co-op Points: 3.60%, APY with 2,500 Co-op Points: 3.66% Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 3.40% 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 Balance $0 Details Balance: $0 - $100,000 Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 1.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Money Manager Savings Accounts	0.80%	0.80%
Min Balance $75,000 Details Balance: $75,000.01+ Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.80% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Money Manager Savings Accounts	0.70%	0.70%
Min Balance $50,000 Details Balance: $50,000.01-$75,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.70% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Money Manager Savings Accounts	0.60%	0.60%
Min Balance $25,000 Details Balance: $25,000.01-$50,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.60% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Money Manager Savings Accounts	0.50%	0.50%
Min Balance $0 Details Balance: $0-$25,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 7 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 Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 0.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Goal Savings	0.05%	0.05%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Holiday Club	0.05%	0.05%
Min Balance $0 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 7 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 10/09/2026 Rate History No change since Sep 14, 2026 · 0.03% APY · checked 7 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
Business Savings Account	1.00%	1.00%
Min Balance $0 Details Balance: $0-$100,000 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 0.50% → 1.00% ▲ 0.50 pts · high 1.00% / low 0.50% Sep 24, 20261.00%▲ from 0.50% Sep 14, 20260.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Business Savings Account	0.80%	0.80%
Min Balance $75,000 Details Balance: $75,000.01+ Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.80% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Business Savings Account	0.70%	0.70%
Min Balance $50,000 Details Balance: $50,000.01-$75,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.70% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Business Savings Account	0.60%	0.60%
Min Balance $25,000 Details Balance: $25,000.01-$50,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.60% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Business Savings Account	0.50%	0.50%
Min Balance $0 Details Balance: $0-$25,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Business Savings Account	0.05%	0.05%
Min Balance $5 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 7 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%
Min Balance $0 Details Balance: $0.01 - $15,000; Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Qualifying balance up to $15,000.00 Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 0.50% APY · checked 6 times 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 Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 0.03% → 0.03% ▼ 0.00 pts · high 0.50% / low 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%
Interest Checking	0.03%	0.03%
Min Balance $500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.03% APY · checked 7 times 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%
Min Balance $0 Details Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balance: $0.00 - $25,000.00 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 0.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Business Co-op Advantage Checking	0.03%	0.03%
Details If qualifications are not met Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 0.03% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%

UMassFive College Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
Mortgage - 3/1 ARM	6.75%	-	6.663%	3/1 ARM
No additional details. Last Updated 10/09/2026 Rate History 1 change since Oct 5, 2026 · 6.75% → 6.66% ▼ 0.09 pts · high 6.75% / low 6.66% Oct 9, 20266.66%▼ from 6.75% Oct 5, 20266.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Mortgage - 5/1 ARM	6.875%	-	6.75%	5/1 ARM
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 6.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Mortgage - 7/1 ARM	7.25%	-	6.997%	7/1 ARM
No additional details. Last Updated 10/09/2026 Rate History 1 change since Oct 5, 2026 · 7.13% → 7.00% ▼ 0.13 pts · high 7.13% / low 7.00% Oct 9, 20267.00%▼ from 7.13% Oct 5, 20267.13%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Mortgage - 5/5 ARM	7.00%	-	7.101%	5/5 ARM
No additional details. Last Updated 10/09/2026 Rate History 1 change since Oct 5, 2026 · 6.98% → 7.10% ▲ 0.13 pts · high 7.10% / low 6.98% Oct 9, 20267.10%▲ from 6.98% Oct 5, 20266.98%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Mortgage - 15 Year Fixed	7.00%	-	7.163%	15 Year
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 7.16% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Mortgage - 20 Year Fixed	7.375%	-	7.508%	20 Year
No additional details. Last Updated 10/09/2026 Rate History 1 change since Oct 5, 2026 · 7.26% → 7.51% ▲ 0.25 pts · high 7.51% / low 7.26% Oct 9, 20267.51%▲ from 7.26% Oct 5, 20267.26%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Mortgage - 30 Year Fixed	7.625%	-	7.73%	30 Year
No additional details. Last Updated 10/09/2026 Rate History 1 change since Oct 5, 2026 · 7.60% → 7.73% ▲ 0.13 pts · high 7.73% / low 7.60% Oct 9, 20267.73%▲ from 7.60% Oct 5, 20267.60%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
New Physician Mortgage - 30 Year Fixed	7.625%	-	7.73%	30 Year
No additional details. Last Updated 10/09/2026 Rate History 1 change since Oct 5, 2026 · 7.60% → 7.73% ▲ 0.13 pts · high 7.73% / low 7.60% Oct 9, 20267.73%▲ from 7.60% Oct 5, 20267.60%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
MassHousing 30 Year Fixed	7.625%	-	7.783%	30 Year
No additional details. Last Updated 10/09/2026 Rate History 1 change since Oct 5, 2026 · 7.53% → 7.78% ▲ 0.25 pts · high 7.78% / low 7.53% Oct 9, 20267.78%▲ from 7.53% Oct 5, 20267.53%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
30 Year Fixed - Home Ready	7.75%	-	7.909%	30 Year
No additional details. Last Updated 10/09/2026 Rate History 1 change since Oct 5, 2026 · 7.78% → 7.91% ▲ 0.13 pts · high 7.91% / low 7.78% Oct 9, 20267.91%▲ from 7.78% Oct 5, 20267.78%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Mortgage - FHA 30 Year Fixed	7.375%	-	8.181%	30 Year
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 8.18% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
VA 30 Year Fixed	8.00%	-	8.428%	30 Year
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 8.43% APR 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 rates starting at... Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.49% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Home Equity Lines of Credit	6.50%	-	6.50%	10 years
Details Annual Percentage Rate is based on a combination of your credit score and loan to value. Your actual rate may be higher. The floor rate is 3.50%. Property insurance required. The rate is adjusted monthly according to the Prime Rate as published in the Wall Street Journal on the third Thursday of each month. The maximum Annual Percentage Rate that may be imposed in a variable-rate plan is 18.00%. Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 6.50% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Home Equity Line of Credit	-	-	6.75%	10 year
Details Term: 10 year draw, 10 year repay; As Low As; Up to 80% Loan-to-Value Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.50% → 6.75% ▲ 0.25 pts · high 6.75% / low 6.50% Oct 2, 20266.75%▲ from 6.50% Sep 14, 20266.50%first recorded 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 rates starting at... Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.75% APR · checked 10 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 rates starting at... Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.88% APR · checked 10 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 rates starting at... Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.00% APR · checked 10 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 rates starting at... Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.49% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Home Equity Line of Credit	-	-	8.00%	10 year
Details Term: 10 year draw, 10 year repay; As Low As; Over 80% to 90% Loan-to-Value Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 7.75% → 8.00% ▲ 0.25 pts · high 8.00% / low 7.75% Oct 2, 20268.00%▲ from 7.75% Sep 14, 20267.75%first recorded 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 rates starting at... Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 8.49% APR · checked 10 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 rates starting at... Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 8.75% APR · checked 10 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 rates starting at... Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 8.88% APR · checked 10 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 rates starting at... Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 9.25% APR · checked 10 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 rates starting at... Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 9.38% APR · checked 10 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 10/09/2026 Rate History No change since Sep 14, 2026 · 5.59% APR · checked 8 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 New & Used Loan	-	7.49%	36 Months
Details APR: 2,500 Co-op Points: 7.24%; Limits: 100% Financing Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.49% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
RV New & Used Loan	-	7.49%	36 Months
Details 2,500 Co-op Points: 7.24% Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.49% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Motorcycle New & Used Loan	-	8.24%	48 Months
Details APR: 2,500 Co-op Points: 7.99%; Limits: 100% Financing Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 8.24% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
RV New & Used Loan	-	8.24%	48 Months
Details 2,500 Co-op Points: 7.99% Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 8.24% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Motorcycle New & Used Loan	-	8.80%	Over 48 Months
Details APR: 2,500 Co-op Points: 8.55%; Limits: 100% Financing Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 8.80% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
RV New & Used Loan	-	8.80%	Over 48 Months
Details 2,500 Co-op Points: 8.55% Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 8.80% APR · checked 9 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 Published APR range: 13.25% - 17.25%. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 13.25% APR · checked 9 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%. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 16.25% APR · checked 9 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
Personal Loan	11.99%	48 Months^
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 11.99% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Personal Loan	13.49%	60 Months^
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 13.49% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Rewards Visa Signature Credit Card	16.25%	Revolving
Details Published APR range: 16.25% - 18.00%. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 16.25% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Personal Line of Credit	18.00%	Revolving
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 18.00% APR · checked 9 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
MySolar Loans	-	-	6.88%	60 Months
Details Rates Starting At... Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.88% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
MySolar Loans	-	-	7.38%	120 Months
Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.38% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
MySolar Loans	-	-	7.63%	180 Months
Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.63% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
MySolar Loans	-	-	7.88%	240 Months
Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.88% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Standard Bicycle Loan	-	-	3.90%	36 Months
Details Rates Starting At... Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.90% APR · checked 9 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 $500 Details Dividend Rate with 2,500 Co-op Points: 1.75%; APY with 2,500 Co-op Points: 1.76% Last Updated 10/09/2026 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%
Base Rate	0.03%	-	0.03%
Details If you do not meet the requirements per cycle, your account will still earn our Base Rate 0.03% APY; however, it will not receive ATM refunds for that cycle period. We may change the rate and APY at any time after the account has been opened. No Minimum Balance to maintain account. You must establish credit union membership with a Share Savings Account balance of at least $5. Available to Personal Accounts only. No monthly service charge when enrolled in eStatements. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.03% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Business Savings Account - 90 Days	1.50%	-	1.51%	90 Days
Details Dividend Rate with 2,500 Co-op Points: 1.75%, APY with 2,500 Co-op Points: 1.76% Last Updated 10/09/2026 Rate History 1 change since Sep 21, 2026 · 1.25% → 1.51% ▲ 0.26 pts · high 1.51% / low 1.25% Oct 9, 20261.51%▲ from 1.25% Sep 21, 20261.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Graduate Term Deposits	4.00%	-	4.25%
Min Balance $0 Details Balance: $0 - $15,000.00 Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 4.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Money Manager Plus Savings Accounts	1.50%	-	1.51%	90 Days
Details Dividend Rate with 2,500 Co-op Points: 1.75%; APY with 2,500 Co-op Points: 1.76 % Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 1.25% → 1.51% ▲ 0.26 pts · high 1.51% / low 1.25% Sep 24, 20261.51%▲ from 1.25% Sep 14, 20261.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Money Manager Plus Savings Accounts	3.70%	-	3.76%	6 Month
Details Dividend Rate with 2,500 Co-op Points: 3.95%; APY with 2,500 Co-op Points: 4.02% Last Updated 10/09/2026 Rate History 3 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% Sep 24, 20263.40%▼ from 3.50% Sep 21, 20263.50%▲ from 3.24% Sep 14, 20263.24%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Money Manager Plus Savings Accounts	3.70%	-	3.76%	9 Month
Details Dividend Rate with 2,500 Co-op Points: 3.95%; APY with 2,500 Co-op Points: 4.02% Last Updated 10/09/2026 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% 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%
Money Manager Plus Savings Accounts	3.50%	-	3.55%	12 Month
Details Dividend Rate with 2,500 Co-op Points: 3.75%; APY with 2,500 Co-op Points: 3.81% Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 3.19% → 3.55% ▲ 0.36 pts · high 3.55% / low 3.19% Sep 24, 20263.55%▲ from 3.45% Sep 21, 20263.45%▲ from 3.19% Sep 14, 20263.19%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Money Manager Plus Savings Accounts	3.50%	-	3.55%	15 Month
Details Dividend Rate with 2,500 Co-op Points: 3.75%; APY with 2,500 Co-op Points: 3.81% Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 3.55% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Money Manager Plus Savings Accounts	3.50%	-	3.55%	18 Month
Details Dividend Rate with 2,500 Co-op Points: 3.75%; APY with 2,500 Co-op Points: 3.81% Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 3.55% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Money Manager Plus Savings Accounts	3.50%	-	3.55%	22 Month
Details Dividend Rate with 2,500 Co-op Points: 3.75%; APY with 2,500 Co-op Points: 3.81% Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 3.55% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Money Manager Plus Savings Accounts	3.60%	-	3.66%	24 Month
Details Dividend Rate with 2,500 Co-op Points: 3.85%; APY with 2,500 Co-op Points: 3.91% Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 3.66% → 3.66% ▼ 0.00 pts · high 3.91% / low 3.66% Sep 25, 20263.66%▼ from 3.91% Sep 24, 20263.91%▲ from 3.66% Sep 14, 20263.66%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Money Manager Plus Savings Accounts	3.60%	-	3.66%	29 Month
Details Dividend Rate with 2,500 Co-op Points: 3.85%; APY with 2,500 Co-op Points: 3.91% Last Updated 10/09/2026 Rate History 1 change since Sep 21, 2026 · 3.71% → 3.66% ▼ 0.05 pts · high 3.71% / low 3.66% Sep 24, 20263.66%▼ from 3.71% Sep 21, 20263.71%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Money Manager Plus Savings Accounts	3.75%	-	3.81%	36 Month
Details Dividend Rate with 2,500 Co-op Points: 4.00%; APY with 2,500 Co-op Points: 4.07% Last Updated 10/09/2026 Rate History 1 change since Sep 21, 2026 · 3.71% → 3.81% ▲ 0.10 pts · high 3.81% / low 3.71% Sep 24, 20263.81%▲ from 3.71% Sep 21, 20263.71%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Money Manager Plus Savings Accounts	3.75%	-	3.81%	48 Month
Details Dividend Rate with 2,500 Co-op Points: 4.00%; APY with 2,500 Co-op Points: 4.07% Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.76% → 3.81% ▲ 0.05 pts · high 3.81% / low 3.76% Sep 24, 20263.81%▲ from 3.76% Sep 14, 20263.76%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Money Manager Plus Savings Accounts	3.75%	-	3.81%	60 Month
Details Dividend Rate with 2,500 Co-op Points: 4.00%; APY with 2,500 Co-op Points: 4.07% Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 3.81% → 3.81% ▼ 0.00 pts · high 4.07% / low 3.81% Sep 25, 20263.81%▼ from 4.07% Sep 24, 20264.07%▲ from 3.81% Sep 14, 20263.81%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Money Manager Plus Savings Accounts "Bump-up"	3.35%	-	3.40%	24 Month
Details Dividend Rate with 2,500 Co-op Points: 3.60%; APY with 2,500 Co-op Points: 3.66% Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.40% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Rewards Rate	0.50%	-	0.50%
Min Balance $15,000 Details Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; ATM service charge refunds up to $10 per cycle (calendar month) if all reward rate requirements are met. 0.50% - 0.11% APY is paid each qualifying calendar month above $15,000. If you do not meet the requirements per cycle, your account will still earn our Base Rate 0.03% APY; however, it will not receive ATM refunds for that cycle period. We may change the rate and APY at any time after the account has been opened. No Minimum Balance to maintain account. You must establish credit union membership with a Share Savings Account balance of at least $5. Available to Personal Accounts only. No monthly service charge when enrolled in eStatements. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Youth Term Deposits	3.75%	-	4.00%
Min Balance $0 Details Balance: $0 - $10,000 Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 4.00% APY · checked 3 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

Q2 2026 MBR Health & Safety Badge

UMassFive College Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Customer Reviews

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Frequently Asked Questions About UMassFive College Federal Credit Union

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

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.

Compare to Other Credit Unions

UMassFive College Federal Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

UMassFive College Federal Credit Union Texas Ratio

UMassFive College Federal Credit Union Health Trend

UMassFive College Federal Credit Union CD Rates

UMassFive College Federal Credit Union Business CD Rates

UMassFive College Federal Credit Union Savings Rates

UMassFive College Federal Credit Union Business Savings Rates

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UMassFive College Federal Credit Union Home Equity & HELOC

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

UMassFive College Federal Credit Union Credit Card Rates

UMassFive College Federal Credit Union Personal Loan Rates

UMassFive College Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

UMassFive College Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About 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?

Current UMassFive College Federal Credit Union Rates

Compare to Other Credit Unions