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.
Low-Rate Platinum Visa® Credit Card Disclosures & Details
Disclosures
| The current prime rate is: 7.00%. Rates effective as of December 4, 2025. Rates subject to change at any time. |
• Variable rates subject to change. Rates are based on an index of Prime Rate plus a margin of 6.50%, 7.50%, 8.50%, or 10.50% based on your credit score.
• Total amount of all unsecured loans and lines of credit may not exceed $50,000 per member.
• You have 25 days to repay your balance for purchases in full by the payment date on your periodic billing statement.
• Method of computing the balance for purchases: Average Daily Balance (excluding new purchases).
• Fees:
o $27.00 Late Fee
o $10.00 Card Replacement
o $20.00 Placed on Revoked List
o $5.00 Draft Copy
o 3% Balance Transfer Fee (min. $10.00)
o 3% Cash Advance Fee (min. $10.00)
o $5.00 Chargeback
o $27.00 Returned Payment Fee
• The minimum monthly payment is 2% of the unpaid balance with a minimum payment of $25. There are no default rates, limits as high as $25,000, and 24-hour customer service support.