Ulster Federal Credit Union

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.ulsfedcu.org

845-339-5544

127 Schwenk Dr
Kingston, NY 12401

Ulster Federal Credit Union is headquartered in Kingston and is the 64^th largest credit union in the state of New York. It is also the 1,431^st largest credit union in the nation. It was established in 1974 and as of March of 2025, it had grown to 30 employees and 7,103 members at 3 locations. Ulster Federal Credit Union's CD rates are 67% higher than the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership in Ulster Federal Credit Union is open to those who live, work, worship, attend school, or business entities in Ulster County, New York and to immediate family of current members.
See current membership details

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Health

B+

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #	21694
Year Chartered	1974
Employees	30
Primary Regulator

Profit Margin
Return on Assets - YTD	1.35%
Return on Equity - YTD	23.7%
Annual Interest Income	$1.5MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$163MM$156.7MM
Loans	Q1 2025vs Q1 2024	$42.2MM$44MM
Deposits	Q1 2025vs Q1 2024	$153.6MM$150.9MM
Equity Capital	Q1 2025vs Q1 2024	$9.1MM$5.6MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$997K$1.3MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$236K$435K
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Savings
Money Market
Checking
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Ulster Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.50%^*	$0	$10k	Kasasa Saver
OTHER TIERS: 0.15% → $10k+
0.02%	$100	-	Regular Share
0.02%	$100	-	Club Account

Ulster Federal Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
0.30%^*	$400k^*	$500k	Money Market Account
OTHER TIERS: 0.10% → $2.5k - $100k \| 0.15% → $100k - $200k \| 0.20% → $200k - $300k \| 0.25% → $300k - $400k
0.10%	$500	-	Money Market

Ulster Federal Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
2.00%^*	$0	$10k	Kasasa Cash Checking
OTHER TIERS: 0.15% → $10k+

Ulster Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
4.35%	$500	-	14 Month CD Special
2.50%	$500	-	36 Month CD
2.00%	$500	-	18 Month CD
2.00%	$500	-	30 Month CD
1.50%	$500	-	12 Month CD
0.15%	$500	-	6 Month CD
0.10%	$500	-	3 Month CD

Ulster Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
2.50%	$500	-	36 Month IRA
2.00%	$500	-	18 Month IRA
2.00%	$500	-	30 Month IRA
1.50%	$500	-	12 Month IRA
0.15%	$500	-	6 Month IRA
0.10%	$500	-	3 Month IRA
0.02%	$25	-	IRA Savings

Locations

Ulster Federal Credit Union Locations
Branch Office	127 Schwenk Dr	Kingston, NY 12401
Branch Office	807 Ulster Ave	Kingston, NY 12401
Branch Office	9W Simmons Plz	Saugerties, NY 12477

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