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Ulster Savings Bank


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
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
APY APY = Annual Percentage Yield Rates as of 7/18/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
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
APY APY = Annual Percentage Yield Rates as of 7/18/2025
4.31%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
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
Bonus Amount
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.ulstersavings.com
845-338-6322
180 Schwenk Drive
Kingston, NY 12401

Ulster Savings Bank is headquartered in KINGSTON and is the 48th largest bank in the state of New York. It is also the 811th largest bank in the nation. It was established in 1851 and as of March of 2025, it had grown to 245 employees at 15 locations. Ulster Savings Bank has a B health rating.

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Health
B

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #15970
Year Established1851
Employees245
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.29%
Return on Equity - YTD3.53%
Annual Interest Income$14.4MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$1.35B$1.31B
LoansQ1 2025vs Q1 2024$1B$1.01B
DepositsQ1 2025vs Q1 2024$1.2B$1.1B
Equity CapitalQ1 2025vs Q1 2024$111.9MM$104.7MM
Loan Loss AllowanceQ1 2025vs Q1 2024$11.8MM$11.5MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$16.6MM$3.9MM
Real Estate OwnedQ1 2025vs Q1 2024$149K$149K
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
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
APY APY = Annual Percentage Yield Rates as of 7/18/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
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
APY APY = Annual Percentage Yield Rates as of 7/18/2025
4.31%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
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
Bonus Amount
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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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Ulster Savings Bank Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%$250-Smart Savings
0.10%$5-Minor Saving

Ulster Savings Bank Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.50%*$500k*-Non Profit Select Money Market
OTHER TIERS: 1.10% → $0 - $50k | 1.20% → $50k - $75k | 1.35% → $75k - $100k | 1.45% → $100k - $275k | 1.65% → $275k - $500k
0.20%*$75k*-Select Money Market
OTHER TIERS: 0.10% → $0 - $50k | 0.15% → $50k - $75k
0.15%*$2.5k*-Money Market
OTHER TIERS: 0.10% → $0 - $2.5k

Ulster Savings Bank Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%$25-Non-Profit Checking
0.10%*$2.5k*-Ultra Smart Checking
OTHER TIERS: 0.05% → $0 - $2.5k

Ulster Savings Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.14%$500-15 Month CD
4.04%*$100k*-7 Month CD
OTHER TIERS: 3.90% → $2.5k - $50k | 3.99% → $50k - $100k
4.00%$500-30 Month CD
4.00%$500-20 Month CD
3.86%$2.5k-10 Month CD
3.79%$500-16 Month Add On CD
0.50%$500-5 Year CD
0.45%$500-48 Month CD
0.40%$500-36 Month CD
0.40%$500-37 Month CD - Promo Special
0.30%*$100k*-13 Month CD
OTHER TIERS: 0.25% → $2.5k - $100k
0.30%$500-18 Month CD
0.30%$500-24 Month CD
0.30%$500-14 Month CD - Promo Special
0.25%$2.5k-9 Month CD
0.25%$2.5k-12 Month CD
0.15%$2.5k-6 Month CD
0.10%$2.5k-7 Day CD
0.10%$2.5k-3 Month CD
Locations

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New York Area

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