Ulster Savings Bank Rates and Review January 2026
Ulster Savings Bank's 60-Month CD rates are at 0.50%, 48-Month CD rates are at 0.45%, 36-Month CD rates are at 0.40%, 30-Month CD rates are at 0.35%, 24-Month CD rates are at 0.30%. 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 30-Year Fixed rates are at 6.00%, 20-Year Fixed rates are at 5.88%, 15-Year Fixed rates are at 5.75%, 3-Year ARM rates are at 5.12%, 5-Year ARM rates are at 5.25%.
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. Rate Updates and AvailabilityUlster 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. Financial Stability and Texas RatioUlster Savings Bank's Texas Ratio is at 5.83%, which is considered excellent. The Texas Ratio for Ulster Savings Bank is lower than the national average of all banks, currently at 6.13%. 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. Current Interest RatesRate
APY/APR
vs Avg
"N/A" indicates the product is not offered or the rate is unavailable. Ulster Savings Bank CD Rates and Interest Rates
Ulster Savings Bank
60-Month CD
0.50%
$500
Ulster Savings Bank
48-Month CD
0.45%
$500
Ulster Savings Bank
36-Month CD
0.40%
$500
Ulster Savings Bank
30-Month CD
0.35%
$500
Ulster Savings Bank
24-Month CD
0.30%
$50
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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. Mortgage Rate ComparisonLender
Product
Rate
APR
Points
Compare Ulster Savings Bank Rates with Other Competitive Bank and Credit Union Rates
EvaBank
12-Month CD
4.00%
$1,000
Acadia Federal Credit Union
12-Month CD
3.90%
$1,000
First State Bank of Harvey
6-Month CD
3.84%
$1,000
State Bank of Bottineau
18-Month CD
3.79%
$100
Peru Federal Savings Bank
18-Month CD
3.75%
$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. Mortgage Rate ComparisonLender
Product
Rate
APR
Points
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Bank Profile & OverviewUlster Savings Bank
180 Schwenk DrKingston, NY 12401 Ulster Established Date: 04/13/1851 FDIC Certificate #: 15970 Date of FDIC Deposit Insurance: 08/09/1989 How Many Domestic U.S. Offices? 15 How Many Branches are There? 15 Website: https://www.ulstersavings.com
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
Financial Health & AssetsTotal Assets:
$1,310,944,000
Total Deposits:
$1,101,208,000
Equity Capital:
$104,650,000
Net Income:
$576,000
Return on Assets (ROA):
0.4241%
Return on Equity (ROE):
5.4000%
Headquarters:
Kingston
Regulator:
FDIC
# of Offices:
15
Source: FDIC | Last Updated 03/31/2024
Customer ReviewsThere are no reviews for Ulster Savings Bank yet. Feel free to create one below.
Add Your Rating and Review for Ulster Savings Bank
Frequently Asked Questions About Ulster Savings BankIs Ulster Savings Bank a safe place to deposit money?Yes, Ulster Savings Bank is considered a safe financial institution. With a Texas Ratio of 5.83%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category. How many branches does Ulster Savings Bank operate?Ulster Savings Bank currently maintains approximately 15 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is there a first-time homebuyer program?Currently, Ulster Savings Bank 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 Savings Bank provides members with tools to manage their accounts and build a solid financial history. Does Ulster Savings Bank offer online and mobile banking?Most modern institutions like Ulster Savings Bank 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.ulstersavings.com. Compare to other Banks |
