Credit union · NCUA insured
UMassFive Savings Rates
Top CarrotUMassFive’s best savings rate is 3.04% APY on $10,000, with its Impact Savings. Rates checked October 17, 2026.
How UMassFive’s savings 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
3.04%APY
- Requires
- None
- Minimum
- $500
- Earns on $10,000 a year
- $304
Impact Savings
Top rate
Country Bank for Savings
3.60%APY
- Requires
- Another account
- Minimum
- $10
- Earns on $10,000 a year
- $360
2nd-highest rate
Polish National Credit Union
3.50%APY
- Requires
- None
- Minimum
- $10,000
- Earns on $10,000 a year
- $350
UMassFive savings score
89
Savings score
Higher than 90% of U.S. banks and credit unions
- $1,000 balance$1,0003.04%
- $10,000 balance$10,0003.04%
- $100,000 balance$100,0003.04%
- QualifiedQualified3.04%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Impact Savings
Up to 3.04%APY
Online exclusive account with a $500 minimum opening deposit.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceFor accounts enrolled in eDelivery of statements.Any balance | 3.04% | $304 | For accounts enrolled in eDelivery of statements. |
| Any balanceIf eDelivery qualification is not met (earns basic Goal Savings APY).Any balance | 0.05% | $5 | If eDelivery qualification is not met (earns basic Goal Savings APY). |
Sources (2)
All captured Oct 15, 2026
Base Savings
0.06%APY on $10,000
Holds member's $5 share/ownership in the Credit Union. Tiered blended APY structure.
| Part of the balance | Rate on that part |
|---|---|
| Up to $500 | 0.25% |
| Over $500 | 0.05% |
On $10,000 the tiers blend to about 0.06% APY, earning $6 a year.
Goal Savings
0.05%APY
No minimum balance or minimum balance fees.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum balance required.Any balance | 0.05% | $5 | No minimum balance required. |
Special-purpose accounts
IRA Savings Certificate (Fixed Terms)
Up to 3.81%APY · 12 terms
IRA Term Share Certificate. Co-op Points (2,500) available to increase rate on fixed terms. Early withdrawal penalty applies (3 months interest for <1yr term, 6 months for >=1yr term).
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months90 Days Fixed. Rate with 2,500 Co-op Points: 1.76% APY | 1.51% | $38 |
| 6 months6 Month Fixed. Rate with 2,500 Co-op Points: 4.02% APY | 3.76% | $186 |
| 9 months9 Month Fixed. Rate with 2,500 Co-op Points: 4.02% APY | 3.76% | $281 |
| 12 months12 Month Fixed. Rate with 2,500 Co-op Points: 3.81% APY | 3.55% | $355 |
| 15 months15 Month Fixed. Rate with 2,500 Co-op Points: 3.81% APY | 3.55% | $446 |
| 18 months18 Month Fixed. Rate with 2,500 Co-op Points: 3.81% APY | 3.55% | $537 |
| 22 months22 Month Fixed. Rate with 2,500 Co-op Points: 3.81% APY | 3.55% | $660 |
| 24 months24 Month Fixed. Rate with 2,500 Co-op Points: 3.91% APY | 3.66% | $745 |
| 29 months29 Month Fixed. Rate with 2,500 Co-op Points: 3.91% APY | 3.66% | $908 |
| 36 months36 Month Fixed. Rate with 2,500 Co-op Points: 4.07% APY | 3.81% | $1,187 |
| 48 months48 Month Fixed. Rate with 2,500 Co-op Points: 4.07% APY | 3.81% | $1,613 |
| 60 months60 Month Fixed. Rate with 2,500 Co-op Points: 4.07% APY | 3.81% | $2,056 |
Sources (2)
- umassfive.coop/personal/checking-savings/deposit-rates
- umassfive.coop/personal/checki…alty-savings/ira-savings
All captured Oct 15, 2026
Holiday Club
0.05%APY
Automatically transfers balance once a year on September 30 to Checking or Base Savings account. Early withdrawal is restricted.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upMinimum balance to open is $5; applies to balances over $5.$5 and up | 0.05% | $5 | Minimum balance to open is $5; applies to balances over $5. |
IRA Savings Account
0.03%APY
Available as Traditional IRA or Roth IRA. Can be opened with as little as $100 in an IRA Share Account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum balance to earn rate; $100 opening minimum for IRA Share Account.Any balance | 0.03% | $3 | No minimum balance to earn rate; $100 opening minimum for IRA Share Account. |
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.