Ulster Savings Bank CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews

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Today's 12-month CD rates can be found at 3.50%, 6-month CD rates at 4.10% and 3-month CD rates at 1.50%. Current savings rates are at 0.10% and money market rates are at 1.00%. Mortgage rates today on 30-year fixed loans are around 6.63%. Credit Card rates are at 13.20%. Personal Loan rates are at 11.99%. All these rates, and more, can be found in our database of rates. Ulster Savings Bank's 10-Month CD rates are at 5.39%, 16-Month CD Add-On rates are at 4.96%, 37-Month CD promo special rates are at 4.75%, 9-Month CD rates are at 4.50%, 18-Month CD rates are at 1.50%. Ulster Savings Bank's savings rates are at 0.10%. Ulster Savings Bank's money market rates are at 0.15%. Ulster Savings Bank's 3-Year ARM rates are at 6.88%, 5-Year ARM rates are at 7.00%, 7-Year ARM rates are at 7.12%, 20-Year Fixed rates are at 6.62%, 15-Year Fixed rates are at 6.50%.

Ulster Savings Bank

To see how these rates compare to Ulster Savings Bank CD rates, feel free to use our comprehensive rate tables for side-by-side comparisons of CD rates from Ulster Savings Bank, savings rates and money market rates, with rates from other banks and credit unions below. You can use our bank rate lists to compare CD rates for all CD terms, with Ulster Savings Bank CD rates. You can also compare Ulster Savings Bank savings rates, MMA rates and mortgage rates using our other rate lists.

Ulster Savings Bank 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 Savings Bank? Share your experience about Ulster Savings Bank by leaving a review below, or read customer reviews before you decide to use Ulster Savings Bank.

Ulster Savings Bank Texas Ratio

Ulster Savings Bank's Texas Ratio is at 9.92%, which is considered excellent. The Texas Ratio for Ulster Savings Bank is higher than the national average of all banks, currently at 6.24%. The Texas Ratio was developed in the early 1980s, and it is used to identify potential problem banks. Banks that have a Texas Ratio of 100% or more have a high chance of failing.

Overall, Ulster Savings Bank is an excellent bank worth considering, with an overall rating of 5 stars out of 5 stars.

Rate
APY/APR
vs Avg
12-Month CD
0.25%
18-Month CD
1.50%
24-Month CD
0.30%
36-Month CD
0.40%
48-Month CD
0.45%
60-Month CD
0.50%
Savings
0.10%
MMA
0.15%
30-Year Fixed
6.66%
Credit Card
N/A
Personal Loan
N/A
Ulster Savings Bank
180 Schwenk Dr
Kingston, NY 12401
Member FDIC
MonitorBankRates' Rating
5/5
★★★★★

Ulster Savings Bank CD Rates and Interest Rates

Bank
Product
APY
Min Dep
Ulster Savings Bank
Ulster Savings Bank
10-Month CD
5.39%
$2,500
Ulster Savings Bank
Ulster Savings Bank
16-Month CD Add-On
4.96%
$500
Ulster Savings Bank
Ulster Savings Bank
37-Month CD promo special
4.75%
$500
Ulster Savings Bank
Ulster Savings Bank
9-Month CD
4.50%
$2,500
Ulster Savings Bank
Ulster Savings Bank
18-Month CD
1.50%
$500
Ulster Savings Bank
Ulster Savings Bank
60-Month CD
0.50%
$500
Ulster Savings Bank
Ulster Savings Bank
48-Month CD
0.45%
$500
Ulster Savings Bank
Ulster Savings Bank
36-Month CD
0.40%
$500
Ulster Savings Bank
Ulster Savings Bank
30-Month CD
0.35%
$500
Ulster Savings Bank
Ulster Savings Bank
24-Month CD
0.30%
$50
Ulster Savings Bank
Ulster Savings Bank
12-Month CD
0.25%
$500
Ulster Savings Bank
Ulster Savings Bank
Money Market
0.15%
$2,500
Ulster Savings Bank
Ulster Savings Bank
Smart Savings
0.10%
$250
Show More

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Ulster Savings Bank Mortgage Rates

Lender
Product
Rate
APR
Points
Ulster Savings Bank
Ulster Savings Bank
3-Year ARM
6.875%
7.559%
0.000
Ulster Savings Bank
Ulster Savings Bank
5-Year ARM
7.000%
7.503%
0.000
Ulster Savings Bank
Ulster Savings Bank
7-Year ARM
7.125%
7.496%
0.000
Ulster Savings Bank
Ulster Savings Bank
20-Year Fixed
6.625%
6.794%
0.000
Ulster Savings Bank
Ulster Savings Bank
15-Year Fixed
6.500%
6.709%
0.000
Ulster Savings Bank
Ulster Savings Bank
30-Year Fixed
6.500%
6.664%
0.375
Show More

The mortgage rates presented are solely intended for informational use. Please consult the mentioned lenders for up-to-date mortgage rates. The actual mortgage rates and other loan conditions depend on the lender's approval and are not guaranteed.

Compare Ulster Savings Bank Rates with Other Competitive Bank and Credit Union Rates

Bank
Product
APY
Min Dep
Embassy Bank for the Lehigh Valley
Embassy Bank for the Lehigh Valley
12-Month CD
0.25%
$500
Simmesport State Bank
Simmesport State Bank
Business Interest Checking
0.10%
$2,000
Triad Bank, N.A.
Triad Bank, N.A.
12-Month CD
2.01%
$1,000
ACFCU
ACFCU
6-Month CD certificate
4.50%
$1,000
United States Senate Federal Credit Union
United States Senate Federal Credit Union
12-Month CD (Certificate)
5.13%
$1,000
Vinton County Bank
Vinton County Bank
60-Month CD
1.25%
$1,000
Central Federal SLA
Central Federal SLA
Checking Account Basic
0.02%
$200
Unity Bank
Unity Bank
6-Month CD promo special
5.25%
$1,000
Peoples Bank of Kankakee County
Peoples Bank of Kankakee County
18-Month CD Flex CD
4.01%
$1,000
Farmers State Bank Lake View, IA
Farmers State Bank Lake View, IA
36-Month CD
3.02%
$1,000
Abbott Laboratories Credit Union
Abbott Laboratories Credit Union
6-Month CD
3.00%
$500
Legacy Bank Colwich, KS
Legacy Bank Colwich, KS
12-Month CD
3.00%
$1,000
All America Bank
All America Bank
60-Month CD
3.49%
$500
New Tripoli Bank
New Tripoli Bank
48-Month CD
3.30%
$500
Vermilion B&T Co.
Vermilion B&T Co.
18-Month CD
2.12%
$0
Collinsville Building and Loan Association
Collinsville Building and Loan Association
24-Month CD
0.20%
$1,000
Paramount Bank
Paramount Bank
24-Month CD
2.25%
$1,000
Hinsdale Bank & Trust Company
Hinsdale Bank & Trust Company
Statement Savings Advanced
4.00%
$0
Ncb
Ncb
24-Month CD
2.00%
$1,000
LendingClub
LendingClub
High-Yield Savigns
4.65%
$100
I3 Bank
I3 Bank
36-Month CD
0.90%
$500
Enterprise Bank Allison Park, PA
Enterprise Bank Allison Park, PA
Simplicity Consumer Savings
1.87%
$0
Wallkill Valley Federal S&L
Wallkill Valley Federal S&L
30-Month CD
0.61%
$2,500
Itasca Bank & Trust Co.
Itasca Bank & Trust Co.
12-Month CD
1.51%
$1,000
FNB of Moose Lake
FNB of Moose Lake
Savings Account
0.15%
$100
Stock Exchange Bank, Caldwell, KS
Stock Exchange Bank, Caldwell, KS
Regular Passbook Savings
0.13%
$100
Franklin Bank
Franklin Bank
48-Month CD
0.45%
$500
Guardian Credit Union
Guardian Credit Union
6-Month CD (Certificate)
5.12%
$500
Highland Bank
Highland Bank
48-Month CD
1.00%
$1,000
Jovia Federal Credit Union
Jovia Federal Credit Union
6-Month CD certificate
5.00%
$100
First Fidelity Bank Fort Payne, AL
First Fidelity Bank Fort Payne, AL
18-Month CD
2.02%
$1,000
BankVista
BankVista
12-Month CD
2.51%
$1,000
Security Bank Laurel, NE
Security Bank Laurel, NE
36-Month CD
2.03%
$1,000
Community Bank Bristow, OK
Community Bank Bristow, OK
18-Month CD
3.19%
$1,000
Acme Continental Credit Union
Acme Continental Credit Union
3-Month CD share certificate
3.30%
$1,000
Kendall Bank
Kendall Bank
13-Month CD
4.75%
$1,000
First Bank Sterling, KS
First Bank Sterling, KS
6-Month CD
2.63%
$500
Service Federal Credit Union
Service Federal Credit Union
36-Month CD certificate
2.35%
$500
Embassy Bank for the Lehigh Valley
Embassy Bank for the Lehigh Valley
36-Month CD
0.25%
$500
Hanover Community Bank
Hanover Community Bank
36-Month CD
3.00%
$500
Liberty Bank, Inc.
Liberty Bank, Inc.
36-Month CD
3.87%
$1,000
Bank of Wolcott
Bank of Wolcott
60-Month CD
3.85%
$5,000
First Bank Ketchikan, AK
First Bank Ketchikan, AK
24-Month CD
2.10%
$0
First Mutual Bank, FSB
First Mutual Bank, FSB
Money Market Select
0.30%
$100,000
Adirondack Trust Company
Adirondack Trust Company
3-Month CD
0.10%
$500
Methuen Co-operative Bank
Methuen Co-operative Bank
12-Month CD
1.25%
$1,000
Northwest B&T Co.
Northwest B&T Co.
36-Month CD
1.75%
$1,000
Security FSB
Security FSB
15-Month CD special
5.00%
$1,000
Glen Burnie MSB
60-Month CD
1.76%
$500
Conneaut Savings Bank
Conneaut Savings Bank
12-Month CD relationship bonus
0.30%
$1,000
Show More

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Ulster Savings Bank Mortgage Rates

Lender
Product
Rate
APR
Points
8.375%
8.432%
0.375
8.250%
8.411%
0.000
8.150%
8.354%
0.000
10-Year ARM
8.000%
8.099%
0.000
5-Year Jumbo ARM
5.875%
8.098%
2.000
30-Year Jumbo Fixed
7.750%
7.911%
1.000
5-Year ARM FHA
5.750%
7.888%
2.000
7-Year ARM
7.500%
7.847%
0.000
5Y/6M ARM
6.750%
7.841%
0.881
7-Year ARM
6.990%
7.764%
0.000
30-Year Fixed
7.421%
7.750%
0.000
7.500%
7.746%
0.000
7.500%
7.735%
1.000
5-Year ARM
6.000%
7.685%
2.000
7.500%
7.682%
1.000
6.500%
7.670%
0.500
5/6 Month ARM
6.750%
7.623%
1.000
6.500%
7.600%
0.500
7.250%
7.591%
0.000
7.500%
7.573%
0.000
30-Year Fixed FHA
6.000%
7.565%
0.000
6.875%
7.559%
0.000
7Y/6M ARM
6.500%
7.545%
0.908
7.125%
7.524%
1.000
6.625%
7.510%
0.500
Show More

The mortgage rates presented are solely intended for informational use. Please consult the mentioned lenders for up-to-date mortgage rates. The actual mortgage rates and other loan conditions depend on the lender's approval and are not guaranteed.

Ulster Savings Bank Information

Ulster Savings Bank
180 Schwenk Dr
Kingston, NY 12401
Ulster
Established Date: 04/13/1851
FDIC Certificate #: 15970
Date of FDIC Deposit Insurance: 07/01/1943
How Many Domestic U.S. Offices? 15
How Many Branches are There? 15
Is Ulster Savings Bank FDIC Insured? Yes
What is Ulster Savings Bank's Cert number? 15970
What is the maximum amount for insured deposits? $250,000 per holder, per account

Ulster Savings Bank Financials

Total Assets:
$1,264,530,000
Total Deposits:
$1,059,741,000
Equity Capital:
$102,232,000
Domestic Deposits:
$1,059,741,000
Net Income:
$1,989,000
Return on Assets:
0.4281%
Quarterly Return on Assets:
0.6300%
Pretax Return on Assets:
0.7897%
Pretax Quarterly Return on Assets:
0.7900%
Return on Equity:
5.0500%
Quarterly Return on Equity:
7.8600%
Common Equity Tier 1 Capital Ratio:
13.6584%
Tier 1 Risk-Based Capital Ratio:
13.6584%
Leverage Tier 1 (Core Capital) Ratio:
9.3428%
Total Risk-Based Capital Ratio (YTD):
14.8983%
Total Interest Income (YTD):
3.1570%
 
 
Headquarters:
Kingston
FDIC Field Office:
Syracuse
Regulator:
FDIC
County:
Ulster
# of Offices:
15
Metropolitan Statistical Area (MSA):
Kingston, NY
Consolidated Metropolitan Statistical Area (CMSA):
OTS Region:
Northeast
FDIC Region:
New York
Source: FDIC

Explore Other Rate Deals

Mortgage rates are hitting new lows weekly thanks to a weak economy and low inflation. The future direction of  mortgage rates is uncertain at this point. Mortgage rates are so low right now it is hard to believe rates will go much lower. If mortgage rates do head higher the increases won't be substantial until the economy picks up steam, inflation becomes a concern and the FOMC raises interest rates. Right now deflation is just as much a concern.
current-mortgage-rates-unchanged-10-year-bond-at-345-percentCurrent mortgage rates are unchanged at 5.28 percent today as 10-year U.S. Treasury Notes are down to 3.45 percent. Home mortgage rates have stabilized since the recent run up in mortgage interest rates a few weeks ago.
mortgage-rates-current-30-year-mortgage-rates-at-481-15-year-mortgage-rate-at-428Thanks to the concern over the European government debt crisis Mortgage rates have hit a low for 2010. Current 30 year mortgage rates are down to 4.81 percent. Mortgage rates were expected to head higher when the Federal Reserve stopped buying mortgage backed securities (MBS) but the opposite has happened thanks to yields falling on U.S. Treasuries.

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Ulster Savings Bank Reviews

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