Credit union · NCUA insured
UMassFive
Top CarrotA $712.5M credit union headquartered in Hadley, MA, with 51,124 members and 6 branches in Massachusetts. Best rates: CDs 4.07% and savings 3.04% APY.
UMassFive Carrot Score
Carrot ScoreTop Carrot
Higher than 90% of U.S. banks and credit unions
#1 of 14 in Amherst Town, MA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About UMassFive
UMassFive is a member-owned cooperative where all members own a piece of the credit union.
The credit union originated by extending membership solely to the staff and students of the Five Colleges in the Pioneer Valley.
It operates local branches, including an expanded presence in Hampden County with an East Longmeadow branch.
- Headquarters
- 200 Westgate Center Dr, Hadley, MA 01035
- NCUA charter
- 18181
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- Anyone can qualify for membership by joining Community Involved in Sustaining Agriculture (CISA) through a complimentary joint membership arranged by UMassFive.
Employers and groups
- Employees and members of participating partner organizations, businesses, and co-ops qualify for membership.
Military, government and schools
- Employees, students, and members of qualifying schools, colleges, universities, and educational groups in the eligibility chart qualify for membership.
- Employees of eligible municipal, county, and federal government entities qualify for membership.
Family and household
- Family members (siblings, parents, children, or a spouse) and household members (partners or roommates living in the same residence and maintaining a single economic unit) of an existing member qualify for membership.
Branches
6 branches in Massachusetts
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Massachusetts
6 branches
Amherst Town area · 4
- Hadley BranchMain office200 Westgate Center Dr, Hadley, MA 01035Directions
- UMass Amherst Branch1 Campus Center Way, Room 224, Amherst, MA 01003Directions
- Northampton VA421 N Main st, Building 1 Room 204, Leeds, MA 01053Directions
- Northampton Branch245 King St, Northampton, MA 01060Directions
Springfield area · 1
- Mercy Medical Center Branch233 Carew St Rm 110, Weldon Rehabilitation Hospital, Springfield, MA 01104Directions
Worcester area · 1
- Worcester Branch5 Lake Ave N Rm S1-820, Worcester, MA 01605Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 9.67% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 1.02% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.52% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $86 | $76 | — |
- CapitalNet worth ratio9.67%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late1.02%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.52%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$86Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of UMassFive are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.