Credit union · NCUA insured
UMassFive CD Rates
Top CarrotUMassFive’s best CD rate is 4.07% APY on a 3-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 15, 2026.
How UMassFive’s CD rates compare
Compared with banks and credit unions near Amherst Town, MA, where UMassFive has the most branches. $10,000, best rate first.
This credit union’s best
UMassFive
4.07%APY
- Term
- 36 months
- Minimum
- $500
- Earns on $10,000
- $1,271
Term Deposits
Top rate
Freedom Credit Union
4.50%APY
- Term
- 15 months
- Minimum
- $500
- Earns on $10,000
- $566
2nd-highest rate
Greenfield Savings Bank
4.28%APY
- Term
- 36 months
- Minimum
- $1,000
- Earns on $10,000
- $1,340
UMassFive CD score
87
CD score
Higher than 79% of U.S. banks and credit unions
- 3–8 months3–8 mo3.66%
- 9–15 months9–15 mo3.81%
- 16–30 months16–30 mo3.91%
- 31–60 months31–60 mo4.07%
- QualifiedQualified4.07%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where UMassFive ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Term Deposits
Up to 4.07%APY · 12 terms
Minimum balance $500. Dividends compound monthly. Early withdrawal penalties apply (3 months interest for terms < 1 year, 6 months interest for terms >= 1 year). Co-op points can be used to increase rate.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 1.51% | $38 |
| 3 monthsWith 2,500 Co-op Points | 1.76% | $44 |
| 6 months | 3.40% | $169 |
| 6 monthsWith 2,500 Co-op Points | 3.66% | $181 |
| 9 months | 3.40% | $254 |
| 9 monthsWith 2,500 Co-op Points | 3.66% | $273 |
| 12 months | 3.55% | $355 |
| 12 monthsWith 2,500 Co-op Points | 3.81% | $381 |
| 15 months | 3.55% | $446 |
| 15 monthsWith 2,500 Co-op Points | 3.81% | $478 |
| 18 months | 3.55% | $537 |
| 18 monthsWith 2,500 Co-op Points | 3.81% | $577 |
| 22 months | 3.55% | $660 |
| 22 monthsWith 2,500 Co-op Points | 3.81% | $710 |
| 24 months | 3.66% | $745 |
| 24 monthsWith 2,500 Co-op Points | 3.91% | $797 |
| 29 months | 3.66% | $908 |
| 29 monthsWith 2,500 Co-op Points | 3.91% | $971 |
| 36 months | 3.81% | $1,187 |
| 36 monthsWith 2,500 Co-op Points | 4.07% | $1,271 |
| 48 months | 3.81% | $1,613 |
| 48 monthsWith 2,500 Co-op Points | 4.07% | $1,730 |
| 60 months | 3.81% | $2,056 |
| 60 monthsWith 2,500 Co-op Points | 4.07% | $2,208 |
Sources (2)
- umassfive.coop/personal/checking-savings/deposit-rates
- umassfive.coop/term-deposit-details-disclosures
All captured Oct 5, 2026
Bump-up Rate Term Deposits
Up to 3.55%APY · 2 terms
Minimum balance $500. Rate may be adjusted once during the term to the posted rate currently in effect with a maximum increase up to 2.00% above initial rate and maximum dividend rate of 5.00%. If Co-op Points were used at opening, the rate advantage continues upon bump. Penalties for early withdrawal apply (6 months interest).
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 24 months | 3.14% | $638 |
| 24 monthsWith 2,500 Co-op Points | 3.40% | $692 |
| 60 months | 3.29% | $1,757 |
| 60 monthsWith 2,500 Co-op Points | 3.55% | $1,906 |
Sources (2)
- umassfive.coop/personal/checking-savings/deposit-rates
- umassfive.coop/term-deposit-details-disclosures
All captured Sep 18, 2026
Special-purpose accounts
Graduate Term Deposits
4.25%APY
One Graduate Term Deposit allowed per UMassFive member, member must be age 13-17. Co-op Points are not available to increase rate.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $15,000Member must be age 13-17. One Graduate Term Deposit allowed per member. Co-op Points not available.Up to $15,000 | 4.25% | $425 | Member must be age 13-17. One Graduate Term Deposit allowed per member. Co-op Points not available. |
Sources (1)
- umassfive.coop/personal/checking-savings/deposit-rates · captured Oct 15, 2026
IRA Term Share Certificates
Up to 4.07%APY · 12 terms
Minimum opening deposit $500. Rate applies to balances over $500. Available for Traditional and Roth IRAs with earned compensation eligibility requirements. Early withdrawal penalties apply (3 months interest for terms < 1 year, 6 months interest for terms >= 1 year). Co-op points can be used to increase rate.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 1.51% | $38 |
| 3 monthsWith 2,500 Co-op Points | 1.76% | $44 |
| 6 months | 3.40% | $169 |
| 6 monthsWith 2,500 Co-op Points | 3.66% | $181 |
| 9 months | 3.40% | $254 |
| 9 monthsWith 2,500 Co-op Points | 3.66% | $273 |
| 12 months | 3.55% | $355 |
| 12 monthsWith 2,500 Co-op Points | 3.81% | $381 |
| 15 months | 3.55% | $446 |
| 15 monthsWith 2,500 Co-op Points | 3.81% | $478 |
| 18 months | 3.55% | $537 |
| 18 monthsWith 2,500 Co-op Points | 3.81% | $577 |
| 22 months | 3.55% | $660 |
| 22 monthsWith 2,500 Co-op Points | 3.81% | $710 |
| 24 months | 3.66% | $745 |
| 24 monthsWith 2,500 Co-op Points | 3.91% | $797 |
| 29 months | 3.66% | $908 |
| 29 monthsWith 2,500 Co-op Points | 3.91% | $971 |
| 36 months | 3.81% | $1,187 |
| 36 monthsWith 2,500 Co-op Points | 4.07% | $1,271 |
| 48 months | 3.81% | $1,613 |
| 48 monthsWith 2,500 Co-op Points | 4.07% | $1,730 |
| 60 months | 3.55% | $1,906 |
| 60 monthsWith 2,500 Co-op Points | 3.81% | $2,056 |
Sources (2)
- umassfive.coop/personal/checking-savings/deposit-rates
- umassfive.coop/personal/checki…ings-details-disclosures
All captured Oct 5, 2026
Youth Term Deposits
4.00%APY
Member must be age 0-12. One Youth Term Deposit allowed per member. Co-op Points not available.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Member must be age 0-12. One Youth Term Deposit allowed per member. Co-op Points not available.Up to $10,000 | 4.00% | $400 | Member must be age 0-12. One Youth Term Deposit allowed per member. Co-op Points not available. |
Sources (1)
- umassfive.coop/personal/checking-savings/deposit-rates · captured Oct 15, 2026
Who can join UMassFive
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.
Membership information collected October 5, 2026.