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Ulster Savings Bank Rates & Review November 2026

Q: What are the current interest rates at Ulster Savings Bank?

Current rates for Ulster Savings Bank include: 12-Month CD: 0.25%, 18-Month CD: 0.30%, 24-Month CD: 4.25%, 36-Month CD: 0.40%, 48-Month CD: 0.45%, 60-Month CD: 0.50%, Savings: 0.10%, MMA: 2.50%

Q: What CD terms does Ulster Savings Bank offer?

Ulster Savings Bank CD rates are 4.00% APY for a 12 month CD, 3.70% APY for a 15 month CD, 0.30% APY for an 18 month CD, 3.65% APY for a 20 month CD, 4.25% APY for a 2 year CD, 3.75% APY for a 30 month CD, 0.40% APY for a 3 year CD, 0.45% APY for a 4 year CD and 0.50% APY for a 5 year CD, verified by MonitorBankRates as of November 5, 2026. The institution may offer other terms or specials that are not listed here, so check with Ulster Savings Bank for its full lineup.

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: November 5, 2026

Ulster Savings Bank's CD - 24-Month rates are at 4.25%, CD - 12-Month rates are at 4.00%, CD - 30-Month rates are at 3.75%, CD - 15-Month rates are at 3.70%, CD - 20-Month rates are at 3.65%. Ulster Savings Bank's savings rates are at 0.10%. Ulster Savings Bank's money market rates are at 2.50%. Ulster Savings Bank's checking rates are as high as 0.10%. Ulster Savings Bank's ARM-7 Year Fixed/1 Year Adjustable rates are at 6.125%, ARM-5 Year Fixed/1 Year Adjustable rates are at 6.00%, ARM-10 Year Fixed/1 Year Adjustable rates are at 6.625%, ARM-3 Year Fixed/1 Year Adjustable rates are at 6.25%, 15 Year Fixed rates are at 6.875%. Ulster Savings Bank's top CD rate of 4.25% APY on a 2 year CD is 45% higher than the MonitorBankRates national average of 2.94% APY for that term, and it has an A health rating. MonitorBankRates evaluates the financial stability of Ulster Savings Bank with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 12.93%. Rates last updated and verified on 11/05/2026.

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.

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

Excellent Health Score: 94/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

12.93%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Ulster Savings Bank

180 Schwenk Dr
Kingston, NY 12401

https://www.ulstersavings.com

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

Ulster Savings Bank CD Rates

Product	Rate	APY	Term	Min. Deposit
CD - 24-month	-	4.25%	24 month	$500
Min Deposit $500 Min Balance $500 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 4.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.93%
CD - 12-month	-	4.00%	12 month	$2,500
Min Deposit $2,500 Min Balance $2,500 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 4.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.93%
CD - 30-month	-	3.75%	30 month	$500
Min Deposit $500 Min Balance $500 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 3.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.93%
CD - 15-month	-	3.70%	15 month	$500
Min Deposit $500 Min Balance $500 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 3.70% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.93%
CD - 16-month Add-On	3.54%	3.65%	16 month	$500
Min Deposit $500 Min Balance $500 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 3.65% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.93%
CD - 20-month	3.54%	3.65%	20 month	$500
Min Deposit $500 Min Balance $500 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 3.65% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.93%
CD - 7-month	3.49%	3.60%	7 month	$200,000
Min Deposit $200,000 Min Balance $200,000 Details Tier IV; Balance: $200,000 or higher Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 3.60% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.93%
CD - 7-month	-	3.55%	7 month	$100,000
Min Deposit $100,000 Min Balance $100,000 Details Tier III; Balance: $100,000.00 - $199,999.99 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 3.55% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.93%
CD - 7-month	-	3.50%	7 month	$50,000
Min Deposit $50,000 Min Balance $50,000 Details Tier II; Balance: $50,000.00 - $99,999.99 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 3.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.93%
CD - 10-month	3.31%	3.41%	10 month	$2,500
Min Deposit $2,500 Min Balance $2,500 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 3.41% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.93%
CD - 7-month	3.31%	3.41%	7 month	$2,500
Min Deposit $2,500 Min Balance $2,500 Details Tier I; Balance: $2,500 minimum Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 3.41% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.93%
CD - 5-year	0.49%	0.50%	5 year	$500
Min Deposit $500 Min Balance $500 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.93%
CD - 48-month	0.44%	0.45%	48 month	$500
Min Deposit $500 Min Balance $500 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.45% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.93%
CD - 36-month	0.39%	0.40%	36 month	$500
Min Deposit $500 Min Balance $500 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.40% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.93%
CD - 37-month Promo Special	0.39%	0.40%	37 month	$500
Min Deposit $500 Min Balance $500 Details Requires a checking account with Ulster Savings Bank; offer effective 5/18/2023; not available for non-personal accounts Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.40% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.93%
CD - 13-month	0.30%	0.30%	13 month	$100,000
Min Deposit $100,000 Min Balance $100,000 Details Tier III; Balance: $100,000.00 - $199,999.99 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.93%
CD - 13-month	0.30%	0.30%	13 month	$200,000
Min Deposit $200,000 Min Balance $200,000 Details Tier IV; Balance: $200,000 or higher Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.93%
CD - 14-month Promo Special	0.30%	0.30%	14 month	$500
Min Deposit $500 Min Balance $500 Details Requires a checking account with Ulster Savings Bank; offer effective 5/18/2023; not available for non-personal accounts Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.93%
CD - 18-month	0.30%	0.30%	18 month	$500
Min Deposit $500 Min Balance $500 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.93%
CD - 13-month	0.25%	0.25%	13 month	$2,500
Min Deposit $2,500 Min Balance $2,500 Details Tier I; Balance: $2,500 minimum Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.93%
CD - 13-month	0.25%	0.25%	13 month	$50,000
Min Deposit $50,000 Min Balance $50,000 Details Tier II; Balance: $50,000.00 - $99,999.99 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.93%
CD - 9-month	0.25%	0.25%	9 month	$2,500
Min Deposit $2,500 Min Balance $2,500 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.93%
CD - 6-month (182 day)	0.15%	0.15%	6 month	$2,500
Min Deposit $2,500 Min Balance $2,500 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.93%
CD - 3-month (91 day)	0.10%	0.10%	3 month	$2,500
Min Deposit $2,500 Min Balance $2,500 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.93%
CD - 7 day	0.10%	0.10%	7 day	$2,500
Min Deposit $2,500 Min Balance $2,500 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.93%

Ulster Savings Bank Savings Rates

Product	Rate	APY
Minor Savings	0.10%	0.10%
Min Deposit $5 Min Balance $5 Details Minimum Balance to Open and Earn APY: $5 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.10% APY · checked 13 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.93%
Smart Savings	0.10%	0.10%
Min Deposit $250 Min Balance $250 Details Minimum Balance to Open and Earn APY: $250 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.10% APY · checked 13 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.93%

Ulster Savings Bank Money Market Rates

Product	Rate	APY
Non-Profit Select Money Market Account	2.44%	2.50%
Min Deposit $2,500 Min Balance $0 Details Balance: $.01 - $49,999.99; Variable rate account Last Updated 11/05/2026 Rate History No change since Sep 27, 2026 · 2.50% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.93%
Non-Profit Select Money Market Account	2.44%	2.50%
Min Deposit $2,500 Min Balance $275,000 Details Balance: $275,000.00- $499,999.99; Variable rate account Last Updated 11/05/2026 Rate History No change since Sep 27, 2026 · 2.50% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.93%
IRA Select Money Market Account-TIER 4	0.20%	0.20%
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000 or higher Last Updated 11/05/2026 Rate History No change since Oct 3, 2026 · 0.20% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.93%
Select Money Market	0.20%	0.20%
Min Deposit $2,500 Min Balance $75,000 Details Balance: $75,000.00 - $99,999.99 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.20% APY · checked 13 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.93%
Select Money Market	0.20%	0.20%
Min Deposit $2,500 Min Balance $100,000 Details Balance: $100,000 or higher Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.20% APY · checked 13 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.93%
IRA Education Money Market Account-TIER 2	0.15%	0.15%
Min Deposit $500 Min Balance $500 Details Balance: $500 or higher Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.15% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.93%
IRA Select Money Market Account-TIER 1	0.15%	0.15%
Min Deposit $25 Min Balance $0 Details Balance: $0.01 - $49,999.99 Last Updated 11/05/2026 Rate History No change since Oct 3, 2026 · 0.15% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.93%
IRA Select Money Market Account-TIER 2	0.15%	0.15%
Min Deposit $500 Min Balance $50,000 Details Balance: $50,000-$74,999.99 Last Updated 11/05/2026 Rate History No change since Oct 3, 2026 · 0.15% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.93%
Select Money Market	0.15%	0.15%
Min Deposit $2,500 Min Balance $0 Details Balance to earn APY: $0.01 Last Updated 11/05/2026 Rate History 1 change since Sep 19, 2026 · 0.10% → 0.15% ▲ 0.05 pts · high 0.15% / low 0.10% Oct 3, 20260.15%▲ from 0.10% Sep 19, 20260.10%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.93%
Select Money Market	0.15%	0.15%
Min Deposit $2,500 Min Balance $50,000 Details Balance: $50,000.00 - $74,999.99 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.15% APY · checked 13 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.93%
IRA Education Money Market Account-TIER 1	0.10%	0.10%
Min Deposit $25 Min Balance $0 Details Balance: $0.01 - $499.99 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.10% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.93%

Ulster Savings Bank Checking Rates

Product	Rate	APY
Non-Profit Checking	0.10%	0.10%
Min Deposit $25 Min Balance $25 Details Variable rate account Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.10% APY · checked 13 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.93%
Ultra Smart Checking	0.10%	0.10%
Min Deposit $25 Min Balance $2,500 Details Balance: $2,500; Variable rate account Last Updated 11/05/2026 Rate History No change since Sep 27, 2026 · 0.10% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.93%
Ultra Smart Checking	0.05%	0.05%
Min Deposit $25 Min Balance $0 Details Balance: $0.01 - $2,499.99; Variable rate account Last Updated 11/05/2026 Rate History No change since Sep 27, 2026 · 0.05% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.93%

Ulster Savings Bank Mortgage Rates

Product	Rate	Points	APR	Term
ARM-7 Year Fixed/1 Year Adjustable	6.125%	0	6.623%
Details Fixed for 7 years, then may increase; 30-year term; APR may increase during loan term Last Updated 11/05/2026 Rate History 6 changes since Sep 15, 2026 · 6.64% → 6.62% ▼ 0.02 pts · high 6.96% / low 6.62% Nov 5, 20266.62%▼ from 6.75% Oct 20, 20266.75%▼ from 6.82% Oct 14, 20266.82%▼ from 6.89% Oct 1, 20266.89%▼ from 6.96% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.93%
ARM-5 Year Fixed/1 Year Adjustable	6.00%	0	6.742%
Details Fixed for 5 years, then may increase; 30-year term; APR may increase during loan term Last Updated 11/05/2026 Rate History 6 changes since Sep 15, 2026 · 6.67% → 6.74% ▲ 0.07 pts · high 6.98% / low 6.67% Nov 5, 20266.74%▼ from 6.84% Oct 20, 20266.84%▼ from 6.90% Oct 14, 20266.90%▼ from 6.95% Oct 1, 20266.95%▼ from 6.98% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.93%
ARM-10 Year Fixed/1 Year Adjustable	6.625%	0	6.866%
Details Fixed for 10 years, then may increase; 30-year term; APR may increase during loan term Last Updated 11/05/2026 Rate History 6 changes since Sep 15, 2026 · 6.74% → 6.87% ▲ 0.12 pts · high 7.25% / low 6.74% Nov 5, 20266.87%▼ from 7.04% Oct 20, 20267.04%▼ from 7.12% Oct 14, 20267.12%▼ from 7.25% Oct 1, 20267.25%▲ from 7.12% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.93%
ARM-3 Year Fixed/1 Year Adjustable	6.25%	0	6.95%
Details Fixed for 3 years, then may increase; 30-year term; APR may increase during loan term Last Updated 11/05/2026 Rate History 6 changes since Sep 15, 2026 · 6.67% → 6.95% ▲ 0.28 pts · high 7.09% / low 6.67% Nov 5, 20266.95%▼ from 7.02% Oct 20, 20267.02%▼ from 7.05% Oct 14, 20267.05%▼ from 7.09% Oct 1, 20267.09%▲ from 6.96% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.93%
15 Year Fixed	6.875%	0	7.124%	15 years
No additional details. Last Updated 11/05/2026 Rate History 1 change since Oct 26, 2026 · 7.38% → 7.12% ▼ 0.26 pts · high 7.38% / low 7.12% Oct 31, 20267.12%▼ from 7.38% Oct 26, 20267.38%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.93%
30 Year Fixed	6.875%	1.000	7.13%	30 years
Details Discount points: 1.000 Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 7.13% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.93%
20 Year Fixed	7.00%	0	7.203%	20 years
No additional details. Last Updated 11/05/2026 Rate History 1 change since Oct 26, 2026 · 7.46% → 7.20% ▼ 0.25 pts · high 7.46% / low 7.20% Oct 31, 20267.20%▼ from 7.46% Oct 26, 20267.46%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.93%
10 Year Fixed	6.875%	0	7.225%	10 years
No additional details. Last Updated 11/05/2026 Rate History 1 change since Oct 26, 2026 · 7.48% → 7.23% ▼ 0.26 pts · high 7.48% / low 7.23% Oct 31, 20267.23%▼ from 7.48% Oct 26, 20267.48%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.93%
30 Year Fixed	7.125%	0	7.283%	30 years
No additional details. Last Updated 11/05/2026 Rate History 1 change since Oct 26, 2026 · 7.54% → 7.28% ▼ 0.25 pts · high 7.54% / low 7.28% Oct 31, 20267.28%▼ from 7.54% Oct 26, 20267.54%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.93%
FHA Loan	6.99%	0	8.062%
No additional details. Last Updated 11/05/2026 Rate History 8 changes since Sep 15, 2026 · 7.82% → 8.06% ▲ 0.24 pts · high 8.71% / low 7.82% Oct 31, 20268.06%▼ from 8.07% Oct 26, 20268.07%▼ from 8.20% Oct 20, 20268.20%▼ from 8.33% Oct 11, 20268.33%▼ from 8.71% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.93%

Ulster Savings Bank Home Equity & HELOC

Product	Rate	Points	APR	Term
Fixed Rate Home Equity Loan - 5 years	5.99%	-	6.19%	5 years
No additional details. Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 6.19% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.93%
Fixed Rate Home Equity Loan - 10 years	6.75%	-	6.872%	10 years
No additional details. Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 6.87% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.93%
Fixed Rate Home Equity Loan - 15 years	6.875%	-	6.964%	15 years
No additional details. Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 6.96% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.93%
Variable Rate Home Equity Line of Credit	-	-	7.00%
Details Interest Rate: Prime for Life**; Draw Period: 5 Years; Repayment Period: Up to 15 years; Minimum/Maximum Line Available: $10,000/$500,000; APR footnote: may be increased during the loan term Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 7.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.93%
Fixed Rate Home Equity Loan - 20 years	7.50%	-	7.579%	20 years
No additional details. Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 7.58% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.93%

Ulster Savings Bank Other Rates

Product	Rate	Points	APY/APR	Term	View More
SONYMA Loan	6.60%	0	6.687%
Last Updated 11/05/2026 Rate History 5 changes since Sep 15, 2026 · 5.98% → 6.69% ▲ 0.70 pts · high 6.69% / low 5.98% Oct 14, 20266.69%▲ from 6.59% Oct 7, 20266.59%▲ from 6.39% Oct 3, 20266.39%▲ from 6.18% Sep 27, 20266.18%▲ from 6.08% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.93%

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 Savings Bank’s Texas Ratio rose from 5.39% in Q3 2023 to 12.93% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify 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 Grade15% Verified Healthy limit (green zone below = healthy)

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	$1.4B	12.93%	5.0	A
March 31, 2026	$1.4B	11.68%	5.0	A
December 31, 2025	$1.4B	11.73%	5.0	A
September 30, 2025	$1.4B	12.38%	5.0	A
June 30, 2025	$1.4B	12.64%	5.0	A
March 31, 2025	$1.4B	14.98%	5.0	A-
December 31, 2024	$1.3B	9.65%	5.0	A
September 30, 2024	$1.3B	7.17%	5.0	A
June 30, 2024	$1.3B	3.97%	5.0	A+
March 31, 2024	$1.3B	3.87%	5.0	A+
December 31, 2023	$1.3B	4.19%	5.0	A+
September 30, 2023	$1.3B	5.39%	5.0	A+

Source: FDIC 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 Savings Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer 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 bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Ulster Savings Bank 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 Savings Bank's official website for the most current offers and terms.

Bank Profile & Overview

Bank Name Ulster Savings Bank

Website https://www.ulstersavings.com

Address 180 Schwenk Dr, Kingston, NY 12401 · Ulster

FDIC Certificate # 15970

Regulator FDIC

Established April 13, 1851

FDIC Insurance Date July 1, 1943

Domestic Offices 15

Total Branches 15

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (94/100)

Texas Ratio

12.93%

National Average Texas Ratio

5.85%

Return on Assets (ROA)

0.5546%

Return on Equity (ROE)

6.2400%

Non-Performing Loans Ratio (NPL)

1.16%

Total Assets

$1,392,069,000

Total Deposits

$1,237,244,000

Equity Capital

$124,596,000

Net Income

$3,834,000

Headquarters

Kingston

Total Branches and Offices

Source: FDIC — Last Updated June 30, 2026

2026 MBR Health & Safety Badge

Ulster Savings Bank earned the Verified Healthy badge

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Frequently Asked Questions About Ulster Savings Bank

Does Ulster Savings Bank offer CDs?

Yes. Ulster Savings Bank current CD rates include its CD - 24-Month at 4.25% APY, its CD - 12-Month at 4.00% APY and its CD - 30-Month at 3.75% APY, verified by MonitorBankRates as of November 5, 2026.

Are CDs from Ulster Savings Bank FDIC insured?

Yes. Ulster Savings Bank is insured by the Federal Deposit Insurance Corporation (FDIC), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Ulster Savings Bank?

The highest Ulster Savings Bank CD rate is its CD - 24-Month at 4.25% APY, verified by MonitorBankRates as of November 5, 2026.

What CD terms does Ulster Savings Bank offer?

Ulster Savings Bank CD rates are 4.00% APY for a 12 month CD, 3.70% APY for a 15 month CD, 0.30% APY for an 18 month CD, 3.65% APY for a 20 month CD, 4.25% APY for a 2 year CD, 3.75% APY for a 30 month CD, 0.40% APY for a 3 year CD, 0.45% APY for a 4 year CD and 0.50% APY for a 5 year CD, verified by MonitorBankRates as of November 5, 2026. The institution may offer other terms or specials that are not listed here, so check with Ulster Savings Bank for its full lineup.

What is the highest savings rate at Ulster Savings Bank?

The highest Ulster Savings Bank savings rate is its Minor Savings at 0.10% APY, verified by MonitorBankRates as of November 5, 2026.

What is the highest money market rate at Ulster Savings Bank?

The highest Ulster Savings Bank money market rate is its Non-Profit Select Money Market Account at 2.50% APY, verified by MonitorBankRates as of November 5, 2026.

What is the highest checking rate at Ulster Savings Bank?

The highest Ulster Savings Bank checking rate is its Non-Profit Checking at 0.10% APY, verified by MonitorBankRates as of November 5, 2026.

What is the lowest 30 year fixed mortgage rate at Ulster Savings Bank?

The lowest Ulster Savings Bank 30 year fixed mortgage rate is its 30 Year Fixed at 6.875%, verified by MonitorBankRates as of November 5, 2026. Ulster Savings Bank mortgage rates are 6.875% for a 30 year mortgage, 7.00% for a 20 year mortgage, 6.875% for a 15 year mortgage, 6.625% for a 10 year mortgage, 6.125% for a 7 year mortgage, 6.00% for a 5 year mortgage and 6.25% for a 3 year mortgage.

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.

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. 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 or an existing account, 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 Savings Bank rates compare?

Ulster Savings Bank's top CD rate of 4.25% APY on a 2 year CD is 45% higher than the MonitorBankRates national average of 2.94% APY for that term, and it has an A health rating. Ulster Savings Bank's top rates are its CD - 24-Month at 4.25% APY, its Minor Savings at 0.10% APY, its Non-Profit Select Money Market Account at 2.50% APY, its Non-Profit Checking at 0.10% APY and its ARM-5 Year Fixed/1 Year Adjustable at 6.00%, verified by MonitorBankRates on November 5, 2026.

Current Ulster Savings Bank Rates

12-Month CD0.25%
18-Month CD0.30%
24-Month CD4.25%
36-Month CD0.40%
48-Month CD0.45%
60-Month CD0.50%
Savings0.10%
MMA2.50%

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

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Ulster Savings Bank Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Ulster Savings Bank Texas Ratio

Ulster Savings Bank Health Trend

Ulster Savings Bank CD Rates

Ulster Savings Bank Savings Rates

Ulster Savings Bank Money Market Rates

Ulster Savings Bank Checking Rates

Ulster Savings Bank Mortgage Rates

Ulster Savings Bank Home Equity & HELOC

Ulster Savings Bank Other Rates

Financial Health History

Methodology & Data Sources

Bank Profile & Overview

Financials

Ulster Savings Bank earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Ulster Savings Bank

Does Ulster Savings Bank offer CDs?

Are CDs from Ulster Savings Bank FDIC insured?

What is the highest CD rate at Ulster Savings Bank?

What CD terms does Ulster Savings Bank offer?

What is the highest savings rate at Ulster Savings Bank?

What is the highest money market rate at Ulster Savings Bank?

What is the highest checking rate at Ulster Savings Bank?

What is the lowest 30 year fixed mortgage rate at Ulster Savings Bank?

How many branches does Ulster Savings Bank operate?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Ulster Savings Bank 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 Savings Bank rates compare?

Current Ulster Savings Bank Rates

Compare to Other Banks