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Umassfive College rates: up to 3.81% APY

credit union · NCUA CHARTER 18181 · www.umassfive.coop/

Savings

ProductTerm / tierRateBasisRecordedHistoryChange
Base Savings^$0-$500 0.25%APY2026-11-01 since 2026-11-01
Goal SavingsNo Minimum Balance 0.05%APY2026-11-01 since 2026-11-01
Holiday ClubBalances Over $5 0.05%APY2026-11-01 since 2026-11-01
IRA Savings AccountNo Minimum Balance 0.03%APY2026-11-01 since 2026-11-01
Money Manager Plus Savings Accounts+1 1.00%APY2026-11-01 since 2026-11-01
Money Manager Savings AccountsΨ3 0.70%APY2026-11-01 since 2026-11-01
Money Manager Savings AccountsΨ4 0.80%APY2026-11-01 since 2026-11-01
Money Manager Savings AccountsΨ1 0.50%APY2026-11-01 since 2026-11-01
Money Manager Savings AccountsΨ2 0.60%APY2026-11-01 since 2026-11-01

CDs

ProductTerm / tierRateBasisRecordedHistoryChange
IRA 3-Month CD90 Days Fixed · Over $500 1.51%APY2026-11-01 since 2026-11-01
3-Month CD90 Days 1.51%APY2026-11-01 since 2026-11-01
IRA 6-Month CD6 Month Fixed · Over $500 3.76%APY2026-11-01 since 2026-11-01
6-Month CD6 Month 3.76%APY2026-11-01 since 2026-11-01
IRA 9-Month CD9 Month Fixed · Over $500 3.76%APY2026-11-01 since 2026-11-01
9-Month CD9 Month 3.76%APY2026-11-01 since 2026-11-01
IRA 1-Year CD12 Month Fixed · Over $500 3.55%APY2026-11-01 since 2026-11-01
1-Year CD12 Month 3.55%APY2026-11-01 since 2026-11-01
IRA 15-Month CD15 Month Fixed · Over $500 3.55%APY2026-11-01 since 2026-11-01
15-Month CD15 Month 3.55%APY2026-11-01 since 2026-11-01
IRA 18-Month CD18 Month Fixed · Over $500 3.55%APY2026-11-01 since 2026-11-01
18-Month CD18 Month 3.55%APY2026-11-01 since 2026-11-01
IRA 22-Month CD22 Month Fixed · Over $500 3.55%APY2026-11-01 since 2026-11-01
22-Month CD22 Month 3.55%APY2026-11-01 since 2026-11-01
IRA 2-Year CD24 Month Fixed · Over $500 3.66%APY2026-11-01 since 2026-11-01
2-Year CD24 Month "Bump-up"^ 3.40%APY2026-11-01 since 2026-11-01
2-Year CD24 Month 3.66%APY2026-11-01 since 2026-11-01
IRA 29-Month CD29 Month Fixed · Over $500 3.66%APY2026-11-01 since 2026-11-01
29-Month CD29 Month 3.66%APY2026-11-01 since 2026-11-01
IRA 3-Year CD36 Month Fixed · Over $500 3.81%APY2026-11-01 since 2026-11-01
3-Year CD36 Month 3.81%APY2026-11-01 since 2026-11-01
IRA 4-Year CD48 Month Fixed · Over $500 3.81%APY2026-11-01 since 2026-11-01
4-Year CD48 Month 3.81%APY2026-11-01 since 2026-11-01
IRA 5-Year CD60 Month Fixed · Over $500 3.81%APY2026-11-01 since 2026-11-01
5-Year CD60 Month "Bump-up"^ 3.55%APY2026-11-01 since 2026-11-01
5-Year CD60 Month 3.81%APY2026-11-01 since 2026-11-01

Checking

ProductTerm / tierRateBasisRecordedHistoryChange
Co-op Advantage CheckingFor qualifying accounts with balances up to $15,000 0.50%APY2026-11-01 since 2026-11-01
Interest Checking$500.01 0.03%APY2026-11-01 since 2026-11-01
Simple CheckingNo minimum balance 0.00%APY2026-11-01 since 2026-11-01

Sources and evidence

PageLast capturedLast resultDigest
www.umassfive.coop/dividend-rates2026-11-02 01:25 UTC okf53aca41a2a0
www.umassfive.coop/rates— extract-failed
www.umassfive.coop/personal/checking-savings/deposit-rates2026-11-02 01:12 UTC okf53aca41a2a0