The smart ATMs at our Northampton Branch Lobby & Drive-up, Northampton VA Branch, and Worcester Branch are temporarily out of service. All UMassFive locations, including our Contact Center, are still available during normal business hours, and our online and mobile banking services remain available as usual.
Fixed Home Equity Loan Disclosures & Details
| The current prime rate is: 7.00%. Rates effective as of December 4, 2025. Rates subject to change at any time. |
Details
• Terms available up to 20 years
• Fixed monthly payment
• No application or annual fees
• No pre-payment penalties
• No closing costs for Fixed Home Equity Loans provided the initial credit line is maintained for a minimum of two years
Disclosures
- Annual Percentage Rate is based on a combination of your credit score and loan to value. Your actual rate may be higher.
- Property insurance is required.
- Payment example: 6.99% for 60 months equals $19.80 per $1,000 borrowed.