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: 3.76%

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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 13, 2026

UMassFive College Federal Credit Union's top rates as of October 13, 2026 are 3.81% APY on its 36 Month Fixed CD, 3.76% 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 Term Deposit - 36 Month at 3.81%. 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 10/13/2026.

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 months
Min Balance $0 Details IRA Savings Rates; Rates effective as of October 5, 2026 Last Updated 10/13/2026 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 IRA Savings Rates; Rates effective as of October 5, 2026 Last Updated 10/13/2026 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 IRA Savings Rates; Rates effective as of October 5, 2026 Last Updated 10/13/2026 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%
Term Deposit - 36 Month	3.75%	3.81%	36 Month
Min Balance $500 Details Term Deposit Savings; Minimum Balance: $500; Dividends compound monthly; penalty for early withdrawal Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.81% APY 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 Term Deposit Savings; Minimum Balance: $500; Dividends compound monthly; penalty for early withdrawal Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.81% APY 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 Term Deposit Savings; Minimum Balance: $500; Dividends compound monthly; penalty for early withdrawal Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.81% APY 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 IRA Savings Rates; Rates effective as of October 5, 2026 Last Updated 10/13/2026 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 IRA Savings Rates; Rates effective as of October 5, 2026 Last Updated 10/13/2026 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%
Term Deposit - 6 Month	3.70%	3.76%	6 Month
Min Balance $500 Details Term Deposit Savings; Minimum Balance: $500; Dividends compound monthly; penalty for early withdrawal Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.76% APY 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 Term Deposit Savings; Minimum Balance: $500; Dividends compound monthly; penalty for early withdrawal Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.76% APY 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 IRA Savings Rates; Rates effective as of October 5, 2026 Last Updated 10/13/2026 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 IRA Savings Rates; Rates effective as of October 5, 2026 Last Updated 10/13/2026 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%
Term Deposit - 24 Month	3.60%	3.66%	24 Month
Min Balance $500 Details Term Deposit Savings; Minimum Balance: $500; Dividends compound monthly; penalty for early withdrawal Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.66% APY 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 Term Deposit Savings; Minimum Balance: $500; Dividends compound monthly; penalty for early withdrawal Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.66% APY 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 IRA Savings Rates; Rates effective as of October 5, 2026 Last Updated 10/13/2026 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 IRA Savings Rates; Rates effective as of October 5, 2026 Last Updated 10/13/2026 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 IRA Savings Rates; Rates effective as of October 5, 2026 Last Updated 10/13/2026 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 IRA Savings Rates; Rates effective as of October 5, 2026 Last Updated 10/13/2026 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%
Term Deposit - 12 Month	3.50%	3.55%	12 Month
Min Balance $500 Details Term Deposit Savings; Minimum Balance: $500; Dividends compound monthly; penalty for early withdrawal Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.55% APY 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 Term Deposit Savings; Minimum Balance: $500; Dividends compound monthly; penalty for early withdrawal Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.55% APY 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 Term Deposit Savings; Minimum Balance: $500; Dividends compound monthly; penalty for early withdrawal Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.55% APY 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 Term Deposit Savings; Minimum Balance: $500; Dividends compound monthly; penalty for early withdrawal Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.55% APY 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 $100,000 Details Balance: $0 - $100,000; Tier 1; Minimum balance required to open account: $100,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 5 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 at any time during the month; Rate may change after account is opened Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.80% APY · checked 8 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 at any time during the month; Rate may change after account is opened Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.70% APY · checked 8 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 at any time during the month; Rate may change after account is opened Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.60% APY · checked 8 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 at any time during the month; Rate may change after account is opened Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 8 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 as stated for Base Savings apply only to the portion of the balance in each tier, resulting in a blended APY for the full account balance; Rate may change after account is opened Last Updated 10/13/2026 Rate History No change since Sep 29, 2026 · 0.25% APY · checked 4 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; Rates subject to change at any time; Rate may change after account is opened Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 8 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; Rates subject to change at any time; Rate may change after account is opened Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
IRA Savings Account	0.03%	0.03%
Details IRA Savings Rates; Rates effective as of October 5, 2026 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.03% APY · checked 8 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 Balance: $5 minimum Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 8 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 Qualifications Required: All reward rate requirements met; Balance: $0.00 - $15,000.00; ATM service charge refunds up to $10 per cycle (calendar month) if all reward rate requirements are met Last Updated 10/13/2026 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%
Interest Checking	0.03%	0.03%
Min Balance $500 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.03% APY · checked 8 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	View More
Business Co-op Advantage Checking	0.50%	0.50%
Details Balance: $0-$25,000; Qualifying balance up to $25,000.00 Last Updated 10/13/2026 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%

UMassFive College Federal Credit Union Mortgage Rates

Product	Rate	Points	APR
Mortgage - 3/1 ARM	6.75%	-	6.663%
No additional details. Last Updated 10/13/2026 Rate History 2 changes since Sep 24, 2026 · 6.50% → 6.66% ▲ 0.16 pts · high 6.75% / low 6.50% Oct 13, 20266.66%▼ from 6.75% Sep 29, 20266.75%▲ from 6.50% Sep 24, 20266.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Mortgage - 5/1 ARM	6.875%	-	6.75%
No additional details. Last Updated 10/13/2026 Rate History 1 change since Sep 24, 2026 · 6.63% → 6.75% ▲ 0.13 pts · high 6.75% / low 6.63% Sep 29, 20266.75%▲ from 6.63% Sep 24, 20266.63%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Mortgage - 7/1 ARM	7.25%	-	6.997%
No additional details. Last Updated 10/13/2026 Rate History 2 changes since Sep 24, 2026 · 6.88% → 7.00% ▲ 0.12 pts · high 7.13% / low 6.88% Oct 13, 20267.00%▼ from 7.13% Sep 29, 20267.13%▲ from 6.88% Sep 24, 20266.88%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Mortgage - 5/5 ARM	7.00%	-	7.101%
No additional details. Last Updated 10/13/2026 Rate History 2 changes since Sep 24, 2026 · 6.92% → 7.10% ▲ 0.18 pts · high 7.10% / low 6.92% Oct 13, 20267.10%▲ from 6.98% Sep 29, 20266.98%▲ from 6.92% Sep 24, 20266.92%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Mortgage - 15 Year Fixed	7.00%	-	7.163%
No additional details. Last Updated 10/13/2026 Rate History 3 changes since Sep 24, 2026 · 7.04% → 7.16% ▲ 0.13 pts · high 7.29% / low 7.04% Oct 13, 20267.16%▼ from 7.29% Oct 2, 20267.29%▲ from 7.16% Sep 29, 20267.16%▲ from 7.04% Sep 24, 20267.04%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Mortgage - 20 Year Fixed	7.25%	-	7.383%
No additional details. Last Updated 10/13/2026 Rate History 3 changes since Sep 24, 2026 · 7.26% → 7.38% ▲ 0.13 pts · high 7.51% / low 7.26% Oct 13, 20267.38%▼ from 7.51% Oct 2, 20267.51%▲ from 7.38% Sep 29, 20267.38%▲ from 7.26% Sep 24, 20267.26%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Mortgage - 30 Year Fixed	7.50%	-	7.604%
No additional details. Last Updated 10/13/2026 Rate History 1 change since Sep 24, 2026 · 7.35% → 7.60% ▲ 0.25 pts · high 7.60% / low 7.35% Sep 29, 20267.60%▲ from 7.35% Sep 24, 20267.35%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
New Physician Mortgage - 30 Year Fixed	7.50%	-	7.604%
No additional details. Last Updated 10/13/2026 Rate History 3 changes since Sep 14, 2026 · 7.10% → 7.60% ▲ 0.50 pts · high 7.60% / low 7.10% Sep 29, 20267.60%▲ from 7.35% Sep 25, 20267.35%▲ from 7.23% Sep 17, 20267.23%▲ from 7.10% Sep 14, 20267.10%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
MassHousing 30 Year Fixed	7.50%	-	7.656%
No additional details. Last Updated 10/13/2026 Rate History 4 changes since Sep 14, 2026 · 7.15% → 7.66% ▲ 0.51 pts · high 7.78% / low 7.15% Oct 13, 20267.66%▼ from 7.78% Oct 2, 20267.78%▲ from 7.66% Sep 29, 20267.66%▲ from 7.28% Sep 17, 20267.28%▲ from 7.15% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
30 Year Fixed - Home Ready	7.625%	-	7.783%
No additional details. Last Updated 10/13/2026 Rate History 4 changes since Sep 14, 2026 · 7.28% → 7.78% ▲ 0.51 pts · high 7.91% / low 7.28% Oct 13, 20267.78%▼ from 7.91% Oct 2, 20267.91%▲ from 7.78% Sep 29, 20267.78%▲ from 7.40% Sep 17, 20267.40%▲ from 7.28% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Mortgage - FHA 30 Year Fixed	7.125%	-	7.928%
No additional details. Last Updated 10/13/2026 Rate History 3 changes since Sep 24, 2026 · 7.67% → 7.93% ▲ 0.25 pts · high 8.18% / low 7.67% Oct 13, 20267.93%▼ from 8.18% Oct 2, 20268.18%▲ from 7.93% Sep 29, 20267.93%▲ from 7.67% Sep 24, 20267.67%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
VA 30 Year Fixed	8.00%	-	8.428%
No additional details. Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 7.72% → 8.43% ▲ 0.71 pts · high 8.43% / low 7.72% 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
Fixed Home Equity Loans - Up to 80% Loan-to-Value Home Equity Loan	-	-	6.49%	60 Months
Details As Low As; Loan-to-Value: Up to 80%; Property insurance required Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.49% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Fixed Home Equity Loans - Up to 80% Loan-to-Value Home Equity Loan	-	-	6.75%	120 Months
Details As Low As; Loan-to-Value: Up to 80%; Property insurance required Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.75% APR 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; Property insurance required; Rate adjusts monthly with Prime Rate; floor rate 3.50%; maximum APR 18.00%; Annual Percentage Rate based on credit score and loan to value Last Updated 10/13/2026 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%
Fixed Home Equity Loans - Up to 80% Loan-to-Value Home Equity Loan	-	-	6.88%	180 Months
Details As Low As; Loan-to-Value: Up to 80%; Property insurance required Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.88% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Fixed Home Equity Loans - Up to 80% Loan-to-Value Home Equity Loan	-	-	7.00%	240 Months
Details As Low As; Loan-to-Value: Up to 80%; Property insurance required Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.00% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Fixed Home Equity Loans - Over 80% to 90% Loan-to-Value Home Equity Loan	-	-	7.49%	60 Months
Details As Low As; Loan-to-Value: Over 80% to 90%; Property insurance required Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.49% APR 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; Property insurance required; Rate adjusts monthly with Prime Rate; floor rate 3.50%; maximum APR 18.00%; Annual Percentage Rate based on credit score and loan to value Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 8.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Fixed Home Equity Loans - Over 90% to 100% Loan-to-Value Home Equity Loan	-	-	8.49%	60 Months
Details As Low As; Loan-to-Value: Over 90% to 100%; Property insurance required Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 8.49% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Fixed Home Equity Loans - Over 80% to 90% Loan-to-Value Home Equity Loan	-	-	8.75%	120 Months
Details As Low As; Loan-to-Value: Over 80% to 90%; Property insurance required Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 8.75% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Fixed Home Equity Loans - Over 80% to 90% Loan-to-Value Home Equity Loan	-	-	8.88%	180 Months
Details As Low As; Loan-to-Value: Over 80% to 90%; Property insurance required Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 8.88% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Fixed Home Equity Loans - Over 90% to 100% Loan-to-Value Home Equity Loan	-	-	9.25%	120 Months
Details As Low As; Loan-to-Value: Over 90% to 100%; Property insurance required Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 9.25% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Fixed Home Equity Loans - Over 90% to 100% Loan-to-Value Home Equity Loan	-	-	9.38%	180 Months
Details As Low As; Loan-to-Value: Over 90% to 100%; Property insurance required Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 9.38% APR 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 10/13/2026 Rate History No change since Sep 14, 2026 · 5.59% APR · checked 9 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 10/13/2026 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%
RV New & Used Loan	-	7.49%	36 Months
Details APR with 2,500 Co-op Points: 7.24% Last Updated 10/13/2026 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%
Motorcycle Loans - New & Used	-	8.24%	48 Months
Details APR with 2,500 Co-op Points: 7.99%; Limits: 100% Financing Last Updated 10/13/2026 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%
RV New & Used Loan	-	8.24%	48 Months
Details APR with 2,500 Co-op Points: 7.99% Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 8.24% APR · checked 10 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 10/13/2026 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%
RV New & Used Loan	-	8.80%	Over 48 Months
Details APR with 2,500 Co-op Points: 8.55%; Terms over 48 months only available for loan amounts above $20,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 8.80% APR · checked 10 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%. Max Term: Revolving; Limits: $30,000.00 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 13.25% APR 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%. Limit: $30,000.00; Max Term: Revolving; Variable rates based on Prime Rate plus margin Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 16.25% APR 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
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; total unsecured loans and lines of credit may not exceed $50,000 per member Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 11.99% APR · checked 10 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; total unsecured loans and lines of credit may not exceed $50,000 per member Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 13.49% APR · checked 10 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%. Limit: $30,000.00; Max Term: Revolving; Variable rates based on Prime Rate plus margin Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 16.25% APR 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 unsecured loans and lines of credit may not exceed $50,000 per member Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 18.00% APR · checked 10 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 Loan	-	-	6.88%	60 Months
Details As Low As; Limit: $100,000; Interest rate fixed for life of the loan Last Updated 10/13/2026 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%
MySolar Loan	-	-	7.38%	120 Months
Details As Low As; Limit: $100,000; Interest rate fixed for life of the loan Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 7.38% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
MySolar Loan	-	-	7.63%	180 Months
Details As Low As; Limit: $100,000; Interest rate fixed for life of the loan Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 7.63% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
MySolar Loan	-	-	7.88%	240 Months
Details As Low As; Limit: $100,000; Interest rate fixed for life of the loan Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 7.88% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Standard Bicycle Loan	-	-	3.90%	36 Months
Details As Low As; Limit: $5,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.90% APR · checked 10 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 IRA Savings Rates; Rates effective as of October 5, 2026 Last Updated 10/13/2026 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 Deposit $2,500 Min Balance $0 Details Tier 1; Balance: $0-$25,000; $10 service charge if balance drops below $2,500 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 0.50% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Business Money Manager Account	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 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 0.60% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Business Money Manager Account	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 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 0.70% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Business Money Manager Account	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 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 0.80% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Business Money Manager Plus Account	1.00%	-	1.00%
Min Deposit $100,000 Min Balance $0 Details Balance: $0-$100,000; Tier 1; Minimum balance required to open account: $100,000; $25 service charge if balance drops below $100,000 at any time during the month; Rates apply only to the portion of the balance in each tier, resulting in a blended APY Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 1.00% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Business Term Deposit	1.50%	-	1.51%	90 Days
Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 1.51% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Business Term Deposit	3.70%	-	3.76%	6 Month
Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.76% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Business Term Deposit	3.70%	-	3.76%	9 Month
Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.76% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Business Term Deposit	3.50%	-	3.55%	12 Month
Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.55% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Business Term Deposit	3.50%	-	3.55%	15 Month
Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.55% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Business Term Deposit	3.50%	-	3.55%	18 Month
Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.55% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Business Term Deposit	3.50%	-	3.55%	22 Month
Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.55% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Business Term Deposit	3.60%	-	3.66%	24 Month
Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.66% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Business Term Deposit	3.60%	-	3.66%	29 Month
Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.66% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Business Term Deposit	3.75%	-	3.81%	36 Month
Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.81% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Business Term Deposit	3.75%	-	3.81%	48 Month
Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.81% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Business Term Deposit	3.75%	-	3.81%	60 Month
Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.81% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Graduate Term Deposits	-	-	4.25%
Min Balance $0 Details Ages: 13-17; Balance: $0 - $15,000.00; Co-op Points are not available to increase rate on Graduate Term Deposits; One Graduate Term Deposit allowed per UMassFive member Last Updated 10/13/2026 Rate History No change since Sep 29, 2026 · 4.25% APY · checked 4 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 Term Deposit Savings; Minimum Balance: $500; Dividends compound monthly; penalty for early withdrawal Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 1.51% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Term Deposit Savings	1.50%	-	1.51%	90 Days
Min Deposit $500 Last Updated 10/13/2026 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%
Term Deposit Savings	3.70%	-	3.76%	6 Month
Min Deposit $500 Last Updated 10/13/2026 Rate History 2 changes since Sep 14, 2026 · 3.24% → 3.76% ▲ 0.52 pts · high 3.76% / low 3.24% Oct 13, 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	3.70%	-	3.76%	9 Month
Min Deposit $500 Last Updated 10/13/2026 Rate History 2 changes since Sep 14, 2026 · 3.35% → 3.76% ▲ 0.41 pts · high 3.76% / low 3.35% Oct 13, 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%
Term Deposit Savings	3.50%	-	3.55%	12 Month
Min Deposit $500 Last Updated 10/13/2026 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	3.50%	-	3.55%	15 Month
Min Deposit $500 Last Updated 10/13/2026 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	3.50%	-	3.55%	18 Month
Min Deposit $500 Last Updated 10/13/2026 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	3.50%	-	3.55%	22 Month
Min Deposit $500 Last Updated 10/13/2026 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	3.60%	-	3.66%	24 Month
Min Deposit $500 Last Updated 10/13/2026 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	3.60%	-	3.66%	29 Month
Min Deposit $500 Last Updated 10/13/2026 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%
Youth Term Deposits	-	-	4.00%
Min Balance $0 Details Ages: 0-12; Balance: $0 - $10,000; Co-op Points are not available to increase rate; One Youth Term Deposit allowed per UMassFive member Last Updated 10/13/2026 Rate History No change since Sep 29, 2026 · 4.00% APY · checked 4 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.
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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%
Savings3.76%

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

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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