Credit union · NCUA insured
UMassFive Credit Card Rates
Top CarrotUMassFive credit cards start at 13.50% APR on purchases, after any introductory rate. Rates checked October 17, 2026.
How UMassFive’s credit card rates compare
Compared with banks and credit unions near Amherst Town, MA, where UMassFive has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
UMassFive
13.50%APR
- Up to
- 17.50% APR
Low Rate Visa® Platinum
Lowest rate
Freedom Credit Union
12.24%APR
- Up to
- 18.00% APR
3rd-lowest rate
M&T Bank
13.74%APR
- Up to
- 20.74% APR
UMassFive credit card score
65
Credit card score
Higher than 14% of U.S. banks and credit unions
- Purchase APRPurchase APR13.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where UMassFive ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Low Rate Visa® Platinum
Total amount of all unsecured loans and lines of credit may not exceed $50,000 per member. Maximum credit limit is $30,000.00 (disclosures state limits as high as $25,000). Minimum credit limit is $500.00.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 13.25%–17.25% | None | Variable rates subject to change. Rates are based on an index of Prime Rate (7.00%) plus a margin of 6.50%, 7.50%, 8.50%, or 10.50% based on your credit score. |
Rewards Visa® Signature
Total amount of all unsecured loans and lines of credit may not exceed $50,000 per member. Maximum credit limit is $30,000.00 (disclosures state limits as high as $50,000). Minimum credit limit is $5,000.00.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 16.25%–18.00% | None | Variable rates subject to change. Rates are based on an index of Prime Rate (7.00%) plus a margin of 9.50%, 10.50%, 11.50%, 13.50%, 15.00%, or 18.00% based on your credit score (maximum capped at 18.00%). |
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This may be incomplete or out of date, so check with the credit union before you apply.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.