Ulster Savings Bank

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.ulstersavings.com

845-338-6322

180 Schwenk Drive
Kingston, NY 12401

Ulster Savings Bank is headquartered in KINGSTON and is the 48^th largest bank in the state of New York. It is also the 811^th 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

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	15970
Year Established	1851
Employees	245
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.29%
Return on Equity - YTD	3.53%
Annual Interest Income	$14.4MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$1.35B$1.31B
Loans	Q1 2025vs Q1 2024	$1B$1.01B
Deposits	Q1 2025vs Q1 2024	$1.2B$1.1B
Equity Capital	Q1 2025vs Q1 2024	$111.9MM$104.7MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$11.8MM$11.5MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$16.6MM$3.9MM
Real Estate Owned	Q1 2025vs Q1 2024	$149K$149K

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

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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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.10%	$250	-	Smart Savings
0.10%	$5	-	Minor Saving

Ulster Savings Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
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

APY	MIN	MAX	ACCOUNT NAME
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

APY	MIN	MAX	ACCOUNT NAME
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

Availability

New York Area

New York Area bank & credit union details

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