PO Box 1060
Hadley, MA 01035
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.03% 1.05% →
1-Year CD 0.35% 1.05% →
2-Year CD 0.50% 1.11% →
5-Year CD 0.70% 1.56% →
30-Year Mortgage N.A. 3.09% →
15-Year Mortgage N.A. 2.59% →
HELOC N.A. 2.77% →

2020 Overview

General Credit Union Information

Umassfive College is an NCUA insured institution located in Hadley, MA. It was founded in 1967 and has approximately $538.88 millions in assets.

Who can join?

UMassFive offers its products and services to the employees of a select group of organizations. Membership is extended to employees and students of the University of Massachusetts system, Amherst College, Hampshire College, Mount Holyoke College, and Smith College, as well as persons who belong to certain other occupational or associational groups with common values. Family/household members of eligible UMassFive members, and retired employees are also eligible. If you aren’t eligible through one of our sponsor groups, you can become a member of CISA, River Valley Market, the Leverett Village Co-op, the Old Cremaery Co-op, or the Franklin Community Co-op, or you can become a sustaining member of the UMass Alumni Association. Once you establish a membership there, you are automatically eligible for a UMassFive membership!

The definition of an Immediate Family Member is limited to spouse, child, sibling, parent, grandparent or grandchild. Step-children, step-parents, and step-siblings are also included in this definition. Household Member is defined as persons living in the same residence who maintain a single economic unit. Included in this definition is any person who is a permanent member of and participates in the maintenance of the household. It also includes two people sharing an apartment, domestic partners, or anyone who lives in the household and has demonstrated a degree of permanency. Legal guardian relationships are considered part of the household definition. However, a fraternity, sorority, or condominium complex would not be considered a single economic unit.

NCUA Insured Yes
Charter Number # # 18181
Date Established 1967
Assets $538.88 million
Loans $405.06 million
Deposits $487.46 million
Capital $49.51 million

Field of Membership Restrictions

Membership is open to employees and students of the University of Massachusetts system, Amherst College, Hampshire College, Mount Holyoke College, and Smith College and select employee groups.

Deposit Rates - August 10, 2020

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
0.03% $2,500 $4,999 Learn More
Money Market
0.25% $2,500 $2,999 Learn More
Money Market
0.25% $10,000 $14,999 Learn More
Money Market
0.25% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
3 Mo CD
0.10% $10,000 $14,999 Learn More
3 Mo CD
0.10% $100,000 $199,999 Learn More
6 Mo CD
0.25% $10,000 $14,999 Learn More
6 Mo CD
0.25% $100,000 $199,999 Learn More
12 Mo CD
0.35% $10,000 $14,999 Learn More
12 Mo CD
0.35% $100,000 $199,999 Learn More
18 Mo CD
0.40% $10,000 $14,999 Learn More
18 Mo CD
0.40% $100,000 $199,999 Learn More
24 Mo CD
0.50% $10,000 $14,999 Learn More
24 Mo CD
0.50% $100,000 $199,999 Learn More
36 Mo CD
0.60% $10,000 $14,999 Learn More
36 Mo CD
0.60% $100,000 $199,999 Learn More
48 Mo CD
0.65% $10,000 $14,999 Learn More
48 Mo CD
0.65% $100,000 $199,999 Learn More
60 Mo CD
0.70% $10,000 $14,999 Learn More
60 Mo CD
0.70% $100,000 $199,999 Learn More
Int Checking Rates APY MIN MAX
Int Ckg
0.03% $2,500 $3,499 Learn MoreShow Less

Loan Rates - August 10, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for UMASSFIVE COLLEGE

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: 13256
2.914% 2.875% 0.50 $1,250 $1,038 Learn More
Rocket Mortgage
NMLS ID: 3030
3.494% 3.375% 1.00 $3,750 $1,106 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
3.746% 3.625% 1.00 $3,750 $1,141 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
PenFed Credit Union
PenFed Credit Union
3.750 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
2.990 %
$0 Learn More
More Info
People's United Bank, N.A.
People's United Bank, N.A.
4.000 %
$0 Learn More
More Info

To upload and update your bank's rates please register. It is free to register and add rates.


Below are Umassfive College branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:

Umassfive College Locations

Financial Details

Umassfive College Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Umassfive College. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Umassfive College U.S. Average
6.11% 6.71

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of March 30, 2020, Umassfive College had $2,938,318 in non-current loans and $233,700 in owned assets. To cover these potential losses it had $49,511,998 in net worth and $2,376,386 in loans loss reserves. That gives it a Texas Ratio of 6.11%.

Net Worth
Umassfive College U.S. Average
9.68% 13.61%

Umassfive College FCU has a net worth of 9.68% versus the BestCashCow average of 13.61. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Umassfive College

Branches and Savings

What is Umassfive College?

A federal credit union, registered with the NCUA under certificate #18181.
Learn more about credit unions here.

Is Umassfive College FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join Umassfive College?

Please see Field of Membership information above for information on who is eligible to join.

What are Umassfive College's share account and share certificate rates?

Umassfive College's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Umassfive College?

Umassfive College has total capital of $49.51 million. Full information on Umassfive College's financial position is located above.

Who owns Umassfive College?

Credit Unions are owned by their members.

Where are Umassfive College branches located?

See branch locations nearby.

Are Umassfive College ATMs Open 24/7?

Do Umassfive College ATMs accept cash deposits?

Can Umassfive College customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Umassfive College have a mobile app?

Does Umassfive College have mobile deposit?

Does Umassfive College have quick pay?

How can Umassfive College transfer money to other banks or credit unions?

Does Umassfive College report to credit bureaus?

Does Umassfive College use Chexsystems?

Does Umassfive College use Equifax?

What is Umassfive College's toll free phone number?

What is Umassfive College's ACH Routing Number?

What is Umassfive College's SWIFT code?

Where can I find Umassfive College's wire transfer form?

What is the Umassfive College address for deposits?

What Products Does Umassfive College Offer

Does Umassfive College offer mortgages?

Compare mortgage rates here.

Does Umassfive College offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Umassfive College offer auto and RV loans?

Compare auto loan rates here.

Does Umassfive College offer student loans or personal loans?

Compare personal loan rates here.

Customer Reviews for Umassfive College

There are currently no comments for Umassfive College. Be the first to share your experience. Please provide comments that will help others.

Add Your Review

Rate it here →