UmassFive College Credit Union Northampton MA | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Umassfive College, located conveniently at 245 King St, Northampton, MA 01060. Established in 1967, we have proudly served our community for over five decades, building a strong foundation of trust and support among our 50,876 members. Our commitment goes beyond just providing financial services; we strive to make a positive impact in the lives of those we serve. At Umassfive College, we understand that every member has unique financial needs. Whether you're looking for personal banking options like checking and savings accounts, or need assistance with auto loans, mortgages, or business banking solutions, we've got you covered. With total assets reaching an impressive $707,070,417 and total deposits of $29,802,135, we ensure your money is safe and growing. Our dedicated team of 132 employees, led by CEO Richard Kump and Board President Jacqueline Watrous, works tirelessly to offer exceptional service and innovative products tailored just for you. We take pride in our ability to provide accessible banking solutions through online and mobile banking platforms as well as our ATM and drive-thru services. While members can visit us at our Northampton branch, official correspondence should be sent to our mailing address: PO Box 1060, Hadley, MA 1035. If you're ready to take the next step towards achieving your financial goals or if you have any questions about our services, don't hesitate to reach out! Call us at 413-256-5500, or visit our website at umassfive.coop to learn more about how we can assist you on your financial journey. Join us today and experience the difference of being part of a credit union that truly cares!

Branch History & Mission

Community Engagement

Umassfive College takes pride in being actively involved in community outreach efforts. We partner with local organizations to provide financial education workshops and support initiatives that benefit our members directly. This commitment to community is part of what sets us apart from traditional banks; we're not just here to serve you financially but also to uplift the entire Northampton area. As we continue to grow and evolve alongside our community, we invite you to join us on this journey. Experience firsthand the benefits of being a member of Umassfive College. Let us help you navigate your financial future with confidence and care. To learn more about membership options or open an account today, call us at 413-256-5500 or visit our website. Join us in making a positive impact on your life and the lives of those around you!

Our Mission

Our mission is simple yet profound: to provide exceptional financial services while fostering a sense of community. We believe that everyone deserves access to quality banking options that can help improve their lives. Whether it's through personal banking, auto loans, or business services, our goal is to empower our members with the tools they need to succeed. We strive to create lasting relationships built on trust and transparency. We understand that in today's fast-paced world, convenience matters. That's why we offer a range of digital services including online banking, mobile payments, and e-statements. We ensure that our facilities are ADA compliant so everyone can access our services comfortably. Additionally, we have an ATM available for quick cash withdrawals and drive-thru banking for those who prefer a more traditional approach. While members can visit us at 245 King St Northampton MA 01060 for their banking needs, official correspondence should be sent to PO Box 1060, Hadley, MA 1035 if different from the branch address.

Branch Location & Accessibility

Convenient Access

At Umassfive College, we prioritize accessibility for all our members. Our branch is designed to be ADA compliant, featuring ramps and accessible parking options to ensure everyone can visit us comfortably. If you're coming by car, you'll find ample parking available nearby.

Get in Touch

Have questions or need assistance? Our friendly staff is ready to help! Feel free to give us a call at 413-256-5500 or stop by during our operating hours. We look forward to welcoming you at Umassfive College! Remember, while members can visit us at 245 King St, official correspondence should be sent to PO Box 1060 in Hadley, MA. Come discover how we can support your financial journey today!

Operating Hours

We understand that your time is valuable, which is why we offer flexible operating hours. You can visit us from Monday to Wednesday between 8:30 AM and 4:30 PM, and on Thursday and Friday until 6:00 PM. For those busy Saturdays, our drive-thru is open from 9:00 AM until noon, making it even easier to manage your banking needs without a rush.

Services Offered

Our branch provides a wide variety of financial services tailored to meet your needs. Whether you're looking for personal banking solutions like checking and savings accounts or exploring options for auto loans and mortgages, we've got you covered. Plus, if you need to make quick transactions, our drive-thru service allows for simple deposits and withdrawals without leaving your vehicle. For added convenience, we also offer ATM access so you can manage your cash needs around the clock. And don't forget about our shared service center! If you're a member of another participating credit union, you can complete basic transactions here too.

Member Eligibility

At Umassfive College, we believe that becoming a member means joining a close-knit community that supports you on your financial journey. If you're wondering whether you can become part of our family, let me share the good news! Membership is open to anyone who lives, works, worships, or attends school in Hampshire County. We welcome individuals and families alike, making it easy for you to enjoy the benefits of our services tailored just for you. By joining us at Umassfive College, located at 245 King St Northampton Ma 01060, you'll gain access to a variety of financial products and services designed to help you thrive. Opening an account is a breeze! If you're ready to take the next step, simply visit us online at https://umassfive.loanspq.com/apply.aspx?lenderref=umassfive_live&list=xast or give us a call at (413) 256-5500 for any questions you may have. For more detailed eligibility criteria, feel free to check out our website at http://www.umassfive.coop/our-community/membership-eligibility. We can't wait to welcome you into our community!

Business Banking & Commercial Services

Business Loans That Empower Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $25 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $40 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $13,739,935, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services That Simplify Transactions

In addition to loans, we offer merchant services that help streamline your daily operations. Whether you need payment processing solutions or assistance with cash flow management, our services provide the tools necessary to keep your business running smoothly. Imagine being able to accept payments quickly and securely while also managing your finances effectively all designed with your unique needs in mind. At Umassfive College, we're more than just a bank; we're a partner in your journey towards success. Let's work together to achieve your business goals! For more information, feel free to contact us at (413) 256-5500.

Comprehensive List Of Services

Business Banking Solutions

For entrepreneurs, our business banking services include merchant services and business loans tailored to help your venture thrive. We know that running a business comes with its own set of challenges, and having the right financial partner can make all the difference.

Convenient Digital Banking

In today's fast-paced world, accessibility is key. Our robust online and mobile banking features allow you to manage your accounts anytime, anywhere. From checking balances to transferring funds or making payments, everything is just a click or tap away. Plus, with our ATM and cash withdrawal services available at various locations including basic drive-thru banking getting cash when you need it has never been easier.

Credit Cards That Reward You

We also offer credit cards with rewards that allow you to earn points for purchases you already make. Whether it's for groceries or travel expenses, our cards provide added value that can enhance your spending power.

Personal Banking Made Easy

Whether you are looking to open a checking or savings account, our personal banking options are designed with you in mind. Imagine having a hassle-free way to manage your finances while enjoying the benefits of competitive rates and easy online access. With personal loans available for debt consolidation or unexpected expenses, you can find relief without the stress.

Shared Branch Transactions

If you're traveling or away from home, don't worry! We provide basic shared branch transactions for members of partner credit unions, making deposits and withdrawals simple no matter where you are. We invite you to visit us at Umassfive College in Northampton or give us a call at 413-256-5500 to learn more about how we can assist you with your financial journey. Explore our website at umassfive.coop for additional details about our offerings or to start an application today! Your financial well-being is our priority, and we're here to help every step of the way.

Vehicle Financing and Mortgages

If you're in the market for a new car, our auto loans and vehicle financing solutions can help you drive away in your dream vehicle. We understand how important reliable transportation is, and we're here to support you every step of the way. Additionally, our mortgage loans and refinancing options make homeownership more accessible than ever. Picture yourself settling into a home that fits your lifestyle while keeping your monthly payments manageable.

Digital & Online Banking

Go Paperless with E-Statements

Keep track of your finances while being eco-friendly by opting for e-statements. Available for all members, this feature ensures you receive your account statements directly to your email, making it easier than ever to stay organized and informed about your financial health.

Mobile Banking at Your Fingertips

For those on the go, our mobile application allows you to manage your accounts right from your smartphone. With mobile payments enabled, making purchases is as easy as tapping your phone no wallet needed! Plus, you can send money quickly through person-to-person transfers, allowing you to split bills or send gifts effortlessly.

Online Banking Made Easy

Our 24/7 online banking service lets you check balances, transfer funds, and pay bills with just a few clicks. You can also sign documents electronically, thanks to our electronic signature authorization feature. This means you can complete transactions without needing to visit a branch or print anything out saving you time and hassle.

Security You Can Trust

We prioritize your security with advanced measures in place so that you can bank confidently online. Our user-friendly interface ensures that even if you're not tech-savvy, navigating through your accounts is straightforward. Experience the convenience of modern banking with Umassfive College. Whether you're checking balances or making payments, our digital services are designed to make your life easier. Join us today and discover all the ways we can help manage your money efficiently!

Financial Strength

Join Us Today

Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Umassfive College is your trusted partner. Visit us at 245 King St Northampton Ma 01060 or call (413) 256-5500 to learn more about how we can help you achieve your financial goals.

Member-Centric Approach

Members' savings are secured through $167,107,398 in share certificates and $53,991,535 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $30,651,673, we ensure that our resources focus on benefiting you through better loan rates, lower fees, and exclusive perks. With $60,734,393 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity is also impressive; with $5,544 in used auto loans and $551,437,453 in total loans and leases, we support your financial goals across various sectors.

Operational Efficiency

Our $0 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 126 full-time employees and 6 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Total Share Accounts stand at 87,254, showcasing a strong and growing member base that trusts us with their finances. Additionally, net shares available for lending and investments amount to $0, further enhancing our capacity to serve you effectively.

Our Financial Health

With a net worth of $62,693,860, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. This robust net worth demonstrates our ability to sustain operations and support our members' needs effectively. Our net worth ratio of $890 showcases a solid capital foundation. This ensures that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. It reflects our commitment to being a reliable financial partner for you.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $61,796,328 in used vehicle loans and $14,320,093 in new vehicle loans already helping members get on the road. We provide financing options for both new and used vehicles, making it easier for you to drive away with the car you want.

Business Loans

For business owners, our outstanding commercial loans totaling $13,739,935 provide the capital needed to grow and expand. We offer tailored solutions to help your business thrive in today's competitive environment. Our commitment to serving our members goes beyond just offering loans. We also provide refinancing options to ensure you have the best financial solutions available. To learn more about eligibility for our loan products or any refinancing options we may have, feel free to contact us at (413) 256-5500 or visit us at our branch located at 245 King St Northampton Ma 01060 in Northampton, MA. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. At Umassfive College, we're dedicated to helping you achieve your financial dreams with confidence and ease.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $64,556,373, make buying or refinancing simple. Whether you're looking to purchase a new home or refinance your existing mortgage, our team is here to guide you through every step of the process.

Unsecured Credit Card Loans

Managing your finances effectively is crucial. We also offer flexible terms on unsecured credit card loans, with a total of $17,492,247 in loans helping members stay on top of their expenses. These cards can be a great option for making purchases without tying up your cash flow.

Loan Aggregator

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Ensuring Accurate Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This commitment to accuracy ensures that all loan offers displayed are fair and transparent, giving users confidence in their choices.