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Ulster Federal Credit Union

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Ulster Federal Credit Union Rates & Review November 2026

Q: What are the current interest rates at Ulster Federal Credit Union?

Current rates for Ulster Federal Credit Union include: 12-Month CD: 1.50%, 18-Month CD: 2.00%, Savings: 0.02%, MMA: 0.30%

Q: What CD terms does Ulster Federal Credit Union offer?

Ulster Federal Credit Union CD rates are 1.50% APY for a 12 month CD, 3.50% APY for a 14 month CD, 2.00% APY for an 18 month CD, 2.00% APY for a 30 month CD and 2.50% APY for a 3 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Ulster Federal Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 29, 2026

Ulster Federal Credit Union's CD Special - 14 month rates are at 3.50%, Share and IRA CDs - 36 month rates are at 2.50%, Share and IRA CDs - 18 month rates are at 2.00%, Share and IRA CDs - 30 month rates are at 2.00%, Share and IRA CDs - 12 month rates are at 1.50%. Ulster Federal Credit Union's savings rates are at 0.02%. Ulster Federal Credit Union's money market rates are at 0.30%. Ulster Federal Credit Union's Personal Loan Rates are as low as 7.00%. Ulster Federal Credit Union's Credit Card Rates are at 10.95%. Ulster Federal Credit Union's CD rates are 43% lower than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Ulster Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.80%. Rates last updated and verified on 10/29/2026.

Ulster Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Ulster Federal Credit Union? Share your experience about Ulster Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Ulster Federal Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.80%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

Ulster Federal Credit Union
Schwenk Dr

127 Schwenk Dr
Kingston, NY 12401

https://www.ulsfedcu.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Ulster Federal Credit Union CD Rates

Product	Rate	APY	Term
Share Certificate Special - 14 month	3.445%	3.50%	14 Months
Min Balance $500 Details Penalty for early withdrawal applies. Dividend Rate 3.445%; APY 3.500% Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Share and IRA Certificates - 36 month	2.472%	2.50%	36 Months
Min Balance $500 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.50% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Share and IRA Certificates - 18 month	1.982%	2.00%	18 Months
Min Balance $500 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Share and IRA Certificates - 30 month	1.982%	2.00%	30 Months
Min Balance $500 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Share and IRA Certificates - 12 month	1.49%	1.50%	12 Months
Min Balance $500 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.50% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Share and IRA Certificates - 6 month	0.15%	0.15%	6 Months
Min Balance $500 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Share and IRA Certificates - 3 month	0.10%	0.10%	3 Months
Min Balance $500 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%

Ulster Federal Credit Union Savings Rates

Product	Rate	APY
Club Accounts	0.02%	0.02%
Min Balance $100 Details Member Savings; Dividend Rate 0.020% Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.02% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
IRA Savings	0.02%	0.02%
Min Balance $25 Details Member Savings; Dividend Rate 0.020% Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.02% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Regular Share	0.02%	0.02%
Min Balance $100 Details Member Savings; Dividend Rate 0.020% Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.02% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%

Ulster Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market Account	0.30%	0.30%
Min Balance $400,000 Details Balance: $400,000 and over Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 0.30% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Money Market Account	0.25%	0.25%
Min Balance $300,000 Details Balance: $300,000 - $399,999.99 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 0.25% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Money Market Account	0.20%	0.20%
Min Balance $200,000 Details Balance: $200,000 - $299,999.99 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 0.20% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Money Market Account	0.15%	0.15%
Min Balance $100,000 Details Balance: $100,000 - $199,999.99 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 0.15% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Money Market	0.10%	0.10%
Min Balance $500 Details Member Savings; Dividend Rate 0.100% Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%

Ulster Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity - Home Equity Loan	5.75%	-	5.75%	Up to 240 Months
Details As Low As; Maximum Financing: 80% Appraised Value Minus Mortgage Balance; Rate varies based on average prime rates and other loan characteristics; Member Loyalty Rate Discount does not apply; Owner-occupied primary residence within New York State Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 5.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Home Equity - Home Equity Line of Credit	7.00%	-	7.00%	Up to 180 Months
Details Balance: up to $150,000; Maximum Financing: 80% Appraised Value Minus Mortgage Balance; Rate varies based on average prime rates and other loan characteristics; Member Loyalty Rate Discount does not apply; Owner-occupied primary residence within New York State Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 7.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Home Equity - Home Improvement	7.50%	-	7.50%	Up to 120 Months
Details Maximum Financing: Maximum $30,000; Advertised rate applies to automatic payment or payroll deduction; Add 1/2% for other payment options; Member Loyalty Rate Discount does not apply; Owner-occupied primary residence within New York State Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.50% APR · checked 13 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Home Equity - Home Equity Line of Credit	8.00%	-	8.00%	Up to 180 Months
Details Balance: over $150,000; Maximum Financing: 80% Appraised Value Minus Mortgage Balance; Rate varies based on average prime rates and other loan characteristics; Member Loyalty Rate Discount does not apply; Owner-occupied primary residence within New York State Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 8.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%

Ulster Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Vehicles Auto Loan	-	-	4.25%	1 - 36 Months
Details Risk Tier: A; Advertised rate applies to automatic payment or payroll deduction; add 1/2% for other payment options; GAP insurance required for 100% financing Last Updated 10/29/2026 Rate History No change since Oct 15, 2026 · 4.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
New Vehicles Auto Loan	-	-	4.75%	1 - 36 Months
Details Risk Tier: B; Advertised rate applies to automatic payment or payroll deduction; add 1/2% for other payment options; GAP insurance required for 100% financing Last Updated 10/29/2026 Rate History No change since Oct 15, 2026 · 4.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
New Vehicles Auto Loan	-	-	5.00%	37 - 60 Months
Details Risk Tier: A; Advertised rate applies to automatic payment or payroll deduction; add 1/2% for other payment options; GAP insurance required for 100% financing Last Updated 10/29/2026 Rate History No change since Oct 15, 2026 · 5.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
New Vehicles Auto Loan	-	-	5.25%	61 - 72 Months
Details Risk Tier: A; Advertised rate applies to automatic payment or payroll deduction; add 1/2% for other payment options; GAP insurance required for 100% financing Last Updated 10/29/2026 Rate History No change since Oct 15, 2026 · 5.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Used Vehicle Loan	5.25%	-	5.25%	1 - 36 Months
Details Risk Rating: A; Advertised rate applies to automatic payment or payroll deduction. Add 1/2% to the above rate for other payment options. GAP insurance required for 100% financing. Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 5.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Used Vehicles	5.25%	-	5.25%	1 - 36 Months
Details Risk Rating: A; Advertised rate applies to automatic payment or payroll deduction Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 5.25% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
New Vehicles Auto Loan	-	-	5.50%	37 - 60 Months
Details Risk Tier: B; Advertised rate applies to automatic payment or payroll deduction; add 1/2% for other payment options; GAP insurance required for 100% financing Last Updated 10/29/2026 Rate History No change since Oct 15, 2026 · 5.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
New Vehicles Auto Loan	-	-	5.75%	1 - 36 Months
Details Risk Tier: C; Advertised rate applies to automatic payment or payroll deduction; add 1/2% for other payment options; GAP insurance required for 100% financing Last Updated 10/29/2026 Rate History No change since Oct 15, 2026 · 5.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
New Vehicles Auto Loan	-	-	5.75%	61 - 72 Months
Details Risk Tier: B; Advertised rate applies to automatic payment or payroll deduction; add 1/2% for other payment options; GAP insurance required for 100% financing Last Updated 10/29/2026 Rate History No change since Oct 15, 2026 · 5.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Used Vehicle Loan	6.00%	-	6.00%	37 - 60 Months
Details Risk Rating: B; Advertised rate applies to automatic payment or payroll deduction. Add 1/2% to the above rate for other payment options. GAP insurance required for 100% financing. Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 6.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Used Vehicles	6.00%	-	6.00%	37 - 60 Months
Details Risk Rating: B; Advertised rate applies to automatic payment or payroll deduction Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 6.00% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
New Vehicles Auto Loan	-	-	6.25%	73 - 84 Months
Details Risk Tier: A; Advertised rate applies to automatic payment or payroll deduction; add 1/2% for other payment options; GAP insurance required for 100% financing Last Updated 10/29/2026 Rate History No change since Oct 15, 2026 · 6.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Used Vehicle Loan	6.25%	-	6.25%	61 - 72 Months
Details Risk Rating: B; Advertised rate applies to automatic payment or payroll deduction. Add 1/2% to the above rate for other payment options. GAP insurance required for 100% financing. Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 6.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Used Vehicles	6.25%	-	6.25%	61 - 72 Months
Details Risk Rating: B; Advertised rate applies to automatic payment or payroll deduction Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 6.25% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
New Vehicles Auto Loan	-	-	6.50%	37 - 60 Months
Details Risk Tier: C; Advertised rate applies to automatic payment or payroll deduction; add 1/2% for other payment options; GAP insurance required for 100% financing Last Updated 10/29/2026 Rate History No change since Oct 15, 2026 · 6.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Used Vehicle Loan	6.50%	-	6.50%	73 - 84 Months
Details Risk Rating: A; Advertised rate applies to automatic payment or payroll deduction. Add 1/2% to the above rate for other payment options. GAP insurance required for 100% financing. Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 6.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Used Vehicles	6.50%	-	6.50%	73 - 84 Months
Details Risk Rating: A; Advertised rate applies to automatic payment or payroll deduction Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 6.50% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
New Vehicles Auto Loan	-	-	6.75%	61 - 72 Months
Details Risk Tier: C; Advertised rate applies to automatic payment or payroll deduction; add 1/2% for other payment options; GAP insurance required for 100% financing Last Updated 10/29/2026 Rate History No change since Oct 15, 2026 · 6.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
New Vehicles Auto Loan	-	-	6.75%	73 - 84 Months
Details Risk Tier: B; Advertised rate applies to automatic payment or payroll deduction; add 1/2% for other payment options; GAP insurance required for 100% financing Last Updated 10/29/2026 Rate History No change since Oct 15, 2026 · 6.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Used Vehicle Loan	6.75%	-	6.75%	1 - 36 Months
Details Risk Rating: C; Advertised rate applies to automatic payment or payroll deduction. Add 1/2% to the above rate for other payment options. GAP insurance required for 100% financing. Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 6.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Used Vehicles	6.75%	-	6.75%	1 - 36 Months
Details Risk Rating: C; Advertised rate applies to automatic payment or payroll deduction Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 6.75% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Used Vehicle Loan	7.00%	-	7.00%	37 - 60 Months
Details Risk Rating: C; Advertised rate applies to automatic payment or payroll deduction. Add 1/2% to the above rate for other payment options. GAP insurance required for 100% financing. Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 7.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Used Vehicle Loan	7.00%	-	7.00%	73 - 84 Months
Details Risk Rating: B; Advertised rate applies to automatic payment or payroll deduction. Add 1/2% to the above rate for other payment options. GAP insurance required for 100% financing. Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 7.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Used Vehicles	7.00%	-	7.00%	37 - 60 Months
Details Risk Rating: C; Advertised rate applies to automatic payment or payroll deduction Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 6.00% → 7.00% ▲ 1.00 pts · high 7.00% / low 6.00% Sep 18, 20267.00%▲ from 6.00% Sep 14, 20266.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Used Vehicles	7.00%	-	7.00%	73 - 84 Months
Details Risk Rating: B; Advertised rate applies to automatic payment or payroll deduction Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 6.50% → 7.00% ▲ 0.50 pts · high 7.00% / low 6.50% Sep 18, 20267.00%▲ from 6.50% Sep 14, 20266.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
New Vehicles Auto Loan	-	-	7.25%	1 - 36 Months
Details Risk Tier: D; Advertised rate applies to automatic payment or payroll deduction; add 1/2% for other payment options; GAP insurance required for 100% financing Last Updated 10/29/2026 Rate History No change since Oct 15, 2026 · 7.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Used Vehicle Loan	7.25%	-	7.25%	61 - 72 Months
Details Risk Rating: C; Advertised rate applies to automatic payment or payroll deduction. Add 1/2% to the above rate for other payment options. GAP insurance required for 100% financing. Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 7.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Used Vehicles	7.25%	-	7.25%	61 - 72 Months
Details Risk Rating: C; Advertised rate applies to automatic payment or payroll deduction Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.25% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
New Vehicles Auto Loan	-	-	7.75%	73 - 84 Months
Details Risk Tier: C; Advertised rate applies to automatic payment or payroll deduction; add 1/2% for other payment options; GAP insurance required for 100% financing Last Updated 10/29/2026 Rate History No change since Oct 15, 2026 · 7.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
New Vehicles Auto Loan	-	-	8.00%	37 - 60 Months
Details Risk Tier: D; Advertised rate applies to automatic payment or payroll deduction; add 1/2% for other payment options; GAP insurance required for 100% financing Last Updated 10/29/2026 Rate History No change since Oct 15, 2026 · 8.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Used Vehicle Loan	8.00%	-	8.00%	73 - 84 Months
Details Risk Rating: C; Advertised rate applies to automatic payment or payroll deduction. Add 1/2% to the above rate for other payment options. GAP insurance required for 100% financing. Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 8.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Used Vehicles	8.00%	-	8.00%	73 - 84 Months
Details Risk Rating: C; Advertised rate applies to automatic payment or payroll deduction Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 8.00% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
New Vehicles Auto Loan	-	-	8.25%	61 - 72 Months
Details Risk Tier: D; Advertised rate applies to automatic payment or payroll deduction; add 1/2% for other payment options; GAP insurance required for 100% financing Last Updated 10/29/2026 Rate History No change since Oct 15, 2026 · 8.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Used Vehicle Loan	8.25%	-	8.25%	1 - 36 Months
Details Risk Rating: D; Advertised rate applies to automatic payment or payroll deduction. Add 1/2% to the above rate for other payment options. GAP insurance required for 100% financing. Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 8.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Used Vehicles	8.25%	-	8.25%	1 - 36 Months
Details Risk Rating: D; Advertised rate applies to automatic payment or payroll deduction Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 8.25% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Used Vehicle Loan	8.50%	-	8.50%	37 - 60 Months
Details Risk Rating: D; Advertised rate applies to automatic payment or payroll deduction. Add 1/2% to the above rate for other payment options. GAP insurance required for 100% financing. Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 8.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Used Vehicles	8.50%	-	8.50%	37 - 60 Months
Details Risk Rating: D; Advertised rate applies to automatic payment or payroll deduction Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 8.50% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Used Vehicle Loan	8.75%	-	8.75%	61 - 72 Months
Details Risk Rating: D; Advertised rate applies to automatic payment or payroll deduction. Add 1/2% to the above rate for other payment options. GAP insurance required for 100% financing. Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 8.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Used Vehicles	8.75%	-	8.75%	61 - 72 Months
Details Risk Rating: D; Advertised rate applies to automatic payment or payroll deduction Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 8.75% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
New Vehicles Auto Loan	-	-	9.25%	1 - 36 Months
Details Risk Tier: E; Advertised rate applies to automatic payment or payroll deduction; add 1/2% for other payment options; GAP insurance required for 100% financing Last Updated 10/29/2026 Rate History No change since Oct 15, 2026 · 9.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
New Vehicles Auto Loan	-	-	9.25%	73 - 84 Months
Details Risk Tier: D; Advertised rate applies to automatic payment or payroll deduction; add 1/2% for other payment options; GAP insurance required for 100% financing Last Updated 10/29/2026 Rate History No change since Oct 15, 2026 · 9.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Used Vehicle Loan	9.50%	-	9.50%	73 - 84 Months
Details Risk Rating: D; Advertised rate applies to automatic payment or payroll deduction. Add 1/2% to the above rate for other payment options. GAP insurance required for 100% financing. Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 9.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Used Vehicles	9.50%	-	9.50%	73 - 84 Months
Details Risk Rating: D; Advertised rate applies to automatic payment or payroll deduction Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 9.50% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
New Vehicles Auto Loan	-	-	10.00%	37 - 60 Months
Details Risk Tier: E; Advertised rate applies to automatic payment or payroll deduction; add 1/2% for other payment options; GAP insurance required for 100% financing Last Updated 10/29/2026 Rate History No change since Oct 15, 2026 · 10.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
New Vehicles Auto Loan	-	-	10.25%	61 - 72 Months
Details Risk Tier: E; Advertised rate applies to automatic payment or payroll deduction; add 1/2% for other payment options; GAP insurance required for 100% financing Last Updated 10/29/2026 Rate History No change since Oct 15, 2026 · 10.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Used Vehicle Loan	10.25%	-	10.25%	1 - 36 Months
Details Risk Rating: E; Advertised rate applies to automatic payment or payroll deduction. Add 1/2% to the above rate for other payment options. GAP insurance required for 100% financing. Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 10.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Used Vehicles	10.25%	-	10.25%	1 - 36 Months
Details Risk Rating: E; Advertised rate applies to automatic payment or payroll deduction Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 10.25% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Used Vehicle Loan	10.50%	-	10.50%	37 - 60 Months
Details Risk Rating: E; Advertised rate applies to automatic payment or payroll deduction. Add 1/2% to the above rate for other payment options. GAP insurance required for 100% financing. Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 10.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Used Vehicles	10.50%	-	10.50%	37 - 60 Months
Details Risk Rating: E; Advertised rate applies to automatic payment or payroll deduction Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 10.50% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Used Vehicle Loan	10.75%	-	10.75%	61 - 72 Months
Details Risk Rating: E; Advertised rate applies to automatic payment or payroll deduction. Add 1/2% to the above rate for other payment options. GAP insurance required for 100% financing. Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 10.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Used Vehicles	10.75%	-	10.75%	61 - 72 Months
Details Risk Rating: E; Advertised rate applies to automatic payment or payroll deduction Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 10.75% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
New Vehicles Auto Loan	-	-	11.25%	73 - 84 Months
Details Risk Tier: E; Advertised rate applies to automatic payment or payroll deduction; add 1/2% for other payment options; GAP insurance required for 100% financing Last Updated 10/29/2026 Rate History No change since Oct 15, 2026 · 11.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Used Vehicle Loan	11.50%	-	11.50%	73 - 84 Months
Details Risk Rating: E; Advertised rate applies to automatic payment or payroll deduction. Add 1/2% to the above rate for other payment options. GAP insurance required for 100% financing. Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 11.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Used Vehicles	11.50%	-	11.50%	73 - 84 Months
Details Risk Rating: E; Advertised rate applies to automatic payment or payroll deduction Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 11.50% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%

Ulster Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Boat & RV Loans - New Boat / RV	7.00%	7.00%	0 - 120 Months
Details Risk Rating: A; Maximum Financing: New - 100% Purchase Price; Advertised rate applies to automatic payment or payroll deduction; Add 1/2% for other payment options Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 7.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Boat & RV Loans - New Boat / RV	7.50%	7.50%	0 - 120 Months
Details Risk Rating: B; Maximum Financing: New - 100% Purchase Price; Advertised rate applies to automatic payment or payroll deduction; Add 1/2% for other payment options Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 7.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Boat & RV Loans - New Boat / RV	8.00%	8.00%	0 - 120 Months
Details Risk Rating: C; Maximum Financing: New - 100% Purchase Price; Advertised rate applies to automatic payment or payroll deduction; Add 1/2% for other payment options Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 8.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Boat & RV Loans - Used Boat / RV	8.00%	8.00%	0 - 120 Months
Details Risk Rating: A; Maximum Financing: Used - 100% NADA Book Value; Advertised rate applies to automatic payment or payroll deduction; Add 1/2% for other payment options Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 8.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Boat & RV Loans - Used Boat / RV	8.50%	8.50%	0 - 120 Months
Details Risk Rating: B; Maximum Financing: Used - 100% NADA Book Value; Advertised rate applies to automatic payment or payroll deduction; Add 1/2% for other payment options Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 8.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Boat & RV Loans - Used Boat / RV	9.00%	9.00%	0 - 120 Months
Details Risk Rating: C; Maximum Financing: Used - 100% NADA Book Value; Advertised rate applies to automatic payment or payroll deduction; Add 1/2% for other payment options Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 9.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Boat & RV Loans - New Boat / RV	11.25%	11.25%	0 - 120 Months
Details Risk Rating: D; Maximum Financing: New - 100% Purchase Price; Advertised rate applies to automatic payment or payroll deduction; Add 1/2% for other payment options Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 11.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Boat & RV Loans - Used Boat / RV	12.25%	12.25%	0 - 120 Months
Details Risk Rating: D; Maximum Financing: Used - 100% NADA Book Value; Advertised rate applies to automatic payment or payroll deduction; Add 1/2% for other payment options Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 12.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Boat & RV Loans - New Boat / RV	13.25%	13.25%	0 - 120 Months
Details Risk Rating: E; Maximum Financing: New - 100% Purchase Price; Advertised rate applies to automatic payment or payroll deduction; Add 1/2% for other payment options Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 13.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Boat & RV Loans - Used Boat / RV	14.25%	14.25%	0 - 120 Months
Details Risk Rating: E; Maximum Financing: Used - 100% NADA Book Value; Advertised rate applies to automatic payment or payroll deduction; Add 1/2% for other payment options Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 14.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%

Ulster Federal Credit Union Credit Card Rates

Product	Rate	APR
Rewards Visa Plus	-	10.95%
Details Credit Limit Range: $5,000-$20,000; Terms: Revolving; Fixed rate; Member Loyalty Rate Discount does not apply Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 10.95% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Rewards Visa	-	11.95%
Details Credit Limit Range: $500-$20,000; Terms: Revolving; Fixed rate; Member Loyalty Rate Discount does not apply Last Updated 10/29/2026 Rate History 2 changes since Sep 14, 2026 · 11.95% → 11.95% ▼ 0.00 pts · high 19.99% / low 11.95% Oct 13, 202611.95%▼ from 19.99% Oct 9, 202619.99%▲ from 11.95% Sep 14, 202611.95%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%

Ulster Federal Credit Union Personal Loan Rates

Product	APR	Term
Personal Loan - Signature (Unsecured)	7.00%	1 - 36 Months
Details Risk Grade: A; Maximum Financing: $20,000; Advertised rate applies to automatic payment or payroll deduction; add 1/2% for other payment options Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.00% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Personal Loan - Signature (Unsecured)	8.00%	37 - 60 Months
Details Risk Grade: A; Maximum Financing: $20,000; Advertised rate applies to automatic payment or payroll deduction; add 1/2% for other payment options Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 8.00% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Personal Loan - Signature (Unsecured)	9.00%	1 - 36 Months
Details Risk Grade: B; Maximum Financing: $20,000; Advertised rate applies to automatic payment or payroll deduction; add 1/2% for other payment options Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 9.00% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Personal Loan - Signature (Unsecured)	10.00%	37 - 60 Months
Details Risk Grade: B; Maximum Financing: $20,000; Advertised rate applies to automatic payment or payroll deduction; add 1/2% for other payment options Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 10.00% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Personal Loan - Signature (Unsecured)	11.00%	1 - 36 Months
Details Risk Grade: C; Maximum Financing: $20,000; Advertised rate applies to automatic payment or payroll deduction; add 1/2% for other payment options Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 11.00% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Personal Loan - Signature (Unsecured)	12.00%	37 - 60 Months
Details Risk Grade: C; Maximum Financing: $20,000; Advertised rate applies to automatic payment or payroll deduction; add 1/2% for other payment options Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 12.00% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Personal Loan - Signature (Unsecured)	13.00%	1 - 36 Months
Details Risk Grade: D; Maximum Financing: $20,000; Advertised rate applies to automatic payment or payroll deduction; add 1/2% for other payment options Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 13.00% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Personal Loan - Signature (Unsecured)	14.00%	37 - 60 Months
Details Risk Grade: D; Maximum Financing: $20,000; Advertised rate applies to automatic payment or payroll deduction; add 1/2% for other payment options Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 14.00% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Personal Loan - Signature (Unsecured)	15.00%	1 - 36 Months
Details Risk Grade: E; Maximum Financing: $20,000; Advertised rate applies to automatic payment or payroll deduction; add 1/2% for other payment options Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 15.00% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Personal Loan - Signature (Unsecured)	16.00%	37 - 60 Months
Details Risk Grade: E; Maximum Financing: $20,000; Advertised rate applies to automatic payment or payroll deduction; add 1/2% for other payment options Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 16.00% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%

Ulster Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Energy Star Loan	7.50%	-	7.50%	Up to 120 Months
Details Maximum Financing: $30,000; Advertised rate applies to automatic payment or payroll deduction, add 1/2% for other payment options; owner-occupied primary residence within New York State Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.50% APR · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Other Collateral/Equipment Loans	7.75%	-	7.75%	0 - 120 Months
Details Risk Rating: A; Risk Based Pricing Program Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 7.75% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Other Collateral/Equipment Loans	8.25%	-	8.25%	0 - 120 Months
Details Risk Rating: B; Risk Based Pricing Program Last Updated 10/29/2026 Rate History 1 change since Sep 17, 2026 · 7.75% → 8.25% ▲ 0.50 pts · high 8.25% / low 7.75% Oct 13, 20268.25%▲ from 7.75% Sep 17, 20267.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Other Collateral/Equipment Loans	8.75%	-	8.75%	0 - 120 Months
Details Risk Rating: C; Risk Based Pricing Program Last Updated 10/29/2026 Rate History 1 change since Sep 17, 2026 · 7.75% → 8.75% ▲ 1.00 pts · high 8.75% / low 7.75% Oct 13, 20268.75%▲ from 7.75% Sep 17, 20267.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Other Collateral/Equipment Loans	12.00%	-	12.00%	0 - 120 Months
Details Risk Rating: D; Risk Based Pricing Program Last Updated 10/29/2026 Rate History 1 change since Sep 17, 2026 · 7.75% → 12.00% ▲ 4.25 pts · high 12.00% / low 7.75% Oct 13, 202612.00%▲ from 7.75% Sep 17, 20267.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Other Collateral/Equipment Loans	14.00%	-	14.00%	0 - 120 Months
Details Risk Rating: E; Risk Based Pricing Program Last Updated 10/29/2026 Rate History 1 change since Sep 17, 2026 · 7.75% → 14.00% ▲ 6.25 pts · high 14.00% / low 7.75% Oct 13, 202614.00%▲ from 7.75% Sep 17, 20267.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Ulster Federal Credit Union’s Texas Ratio fell from 4.25% in Q3 2023 to 1.80% in Q2 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$179M	1.80%	5.0	A+
March 31, 2026	$177M	1.25%	5.0	A+
December 31, 2025	$172M	1.45%	5.0	A+
September 30, 2025	$167M	1.51%	5.0	A+
June 30, 2025	$165M	1.55%	5.0	A+
March 31, 2025	$163M	1.29%	5.0	A+
December 31, 2024	$158M	1.82%	5.0	A+
September 30, 2024	$157M	2.43%	5.0	A+
June 30, 2024	$159M	2.35%	5.0	A+
March 31, 2024	$157M	2.59%	5.0	A+
December 31, 2023	$158M	3.43%	5.0	A+
September 30, 2023	$154M	4.25%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Ulster Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Ulster Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Ulster Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Ulster Federal Credit Union

Website https://www.ulsfedcu.org

Address 127 Schwenk Dr, Kingston, NY 12401

Phone 845-339-5544

Fax 845-331-0331

President John Mizerak

CEO Stacey Warr

Full-Time Employees 29

Part-Time Employees 1

Branch Locations 3

ATM Locations 2

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

1.80%

Return on Assets (ROA)

0.3099%

Return on Equity (ROE)

3.0000%

Non-Performing Loans Ratio (NPL)

0.81%

Total Assets

179,008,353

Total Amount of Shares and Deposits

167,688,960

Total Shares and Deposits < 1 Year

164,421,694

Total Shares and Deposits 1 3 Years

3,206,642

Total Shares and Deposits > 3 Years

60,625

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

8,192,975

Total Uninsured Shares and Deposits > $250K (F+J)

8,192,975

Total Insured Shares and Deposits > $250K (item 17 less item K)

159,495,985

Total Interest Expense (Sum of items 6 8)

621,391

Share Certificates

833

Number of Accounts for Share Drafts

5,445

IRA KEOGH Accounts

231

Number of Accounts for Regular Shares

9,385

Money Market Shares

356

Net Income (unless the amount is already included in Undivided Earnings)

280,706

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

29,940,217

Total Liabilities

167,982,343

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Ulster Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About Ulster Federal Credit Union

Does Ulster Federal Credit Union offer CDs?

Yes. Ulster Federal Credit Union current CD rates include its CD Special - 14 month at 3.50% APY, its Share and IRA CDs - 36 month at 2.50% APY and its Share and IRA CDs - 18 month at 2.00% APY, verified by MonitorBankRates as of October 29, 2026.

Are CDs from Ulster Federal Credit Union NCUA insured?

Yes. Ulster Federal Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Ulster Federal Credit Union?

The highest Ulster Federal Credit Union CD rate is its CD Special - 14 month at 3.50% APY, verified by MonitorBankRates as of October 29, 2026.

What CD terms does Ulster Federal Credit Union offer?

Ulster Federal Credit Union CD rates are 1.50% APY for a 12 month CD, 3.50% APY for a 14 month CD, 2.00% APY for an 18 month CD, 2.00% APY for a 30 month CD and 2.50% APY for a 3 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Ulster Federal Credit Union for its full lineup.

What is the highest savings rate at Ulster Federal Credit Union?

The highest Ulster Federal Credit Union savings rate is its IRA Savings at 0.02% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest money market rate at Ulster Federal Credit Union?

The highest Ulster Federal Credit Union money market rate is its Money Market Account at 0.30% APY, verified by MonitorBankRates as of October 29, 2026.

What is the lowest auto loan rate at Ulster Federal Credit Union?

The lowest Ulster Federal Credit Union auto loan rate is its New Vehicles Auto Loan at 4.25% APR, verified by MonitorBankRates as of October 29, 2026.

What is the lowest personal loan rate at Ulster Federal Credit Union?

The lowest Ulster Federal Credit Union personal loan rate is its Personal Loan - Signature (Unsecured) at 7.00%, verified by MonitorBankRates as of October 29, 2026.

What is the lowest credit card APR at Ulster Federal Credit Union?

The lowest Ulster Federal Credit Union credit card APR is its Rewards Visa Plus Credit Card at 10.95% APR, verified by MonitorBankRates as of October 29, 2026.

How many branches does Ulster Federal Credit Union operate?

Ulster Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Ulster Federal Credit Union?

Yes, to access services at Ulster Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Ulster Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Ulster Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Ulster Federal Credit Union offer online and mobile banking?

Most modern institutions like Ulster Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.ulsfedcu.org.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Ulster Federal Credit Union rates compare?

Ulster Federal Credit Union's CD rates are 43% lower than the MonitorBankRates national average, and it has an A+ health rating. Ulster Federal Credit Union's top rates are its CD Special - 14 month at 3.50% APY, its IRA Savings at 0.02% APY, its Money Market Account at 0.30% APY, its Personal Loan - Signature (Unsecured) at 7.00% APR and its Rewards Visa Plus Credit Card at 10.95% APR, verified by MonitorBankRates on October 29, 2026.

Current Ulster Federal Credit Union Rates

12-Month CD1.50%
18-Month CD2.00%
Savings0.02%
MMA0.30%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Ulster Federal Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Ulster Federal Credit Union Texas Ratio

Ulster Federal Credit Union Health Trend

Ulster Federal Credit Union CD Rates

Ulster Federal Credit Union Savings Rates

Ulster Federal Credit Union Money Market Rates

Ulster Federal Credit Union Home Equity & HELOC

Ulster Federal Credit Union Auto Loan Rates

Ulster Federal Credit Union RV, Boat and Powersport Loan Rates

Ulster Federal Credit Union Credit Card Rates

Ulster Federal Credit Union Personal Loan Rates

Ulster Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Ulster Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Ulster Federal Credit Union

Does Ulster Federal Credit Union offer CDs?

Are CDs from Ulster Federal Credit Union NCUA insured?

What is the highest CD rate at Ulster Federal Credit Union?

What CD terms does Ulster Federal Credit Union offer?

What is the highest savings rate at Ulster Federal Credit Union?

What is the highest money market rate at Ulster Federal Credit Union?

What is the lowest auto loan rate at Ulster Federal Credit Union?

What is the lowest personal loan rate at Ulster Federal Credit Union?

What is the lowest credit card APR at Ulster Federal Credit Union?

How many branches does Ulster Federal Credit Union operate?

Is a member application needed to join Ulster Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Ulster Federal Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Ulster Federal Credit Union rates compare?

Current Ulster Federal Credit Union Rates

Compare to Other Credit Unions