Ulster Savings Bank
Ulster Savings Bank is an FDIC insured institution headquartered at
180 Schwenk Dr, Kingston, NY 12401.
It was founded in
1851 and has approximately $1 billion in assets. Customers can open an account at one of its 14 branches.
Deposit Rates - March 10, 2026
| SAVINGS RATES | APY | MIN | |
|---|---|---|---|
|
Savings
|
0.10% | $2,500 | Compare |
| CD RATES | APY | MIN | |
|---|---|---|---|
|
6 Mo CD
|
0.30% | $10,000 | Compare |
|
6 Mo CD
|
0.30% | $100,000 | Compare |
|
12 Mo CD
|
0.50% | $10,000 | Compare |
|
12 Mo CD
|
0.50% | $100,000 | Compare |
|
18 Mo CD
|
1.03% | $10,000 | Compare |
|
18 Mo CD
|
1.03% | $100,000 | Compare |
|
24 Mo CD
|
1.00% | $10,000 | Compare |
|
24 Mo CD
|
1.00% | $100,000 | Compare |
|
30 Mo CD
|
1.10% | $10,000 | Compare |
|
30 Mo CD
|
1.10% | $100,000 | Compare |
|
36 Mo CD
|
1.12% | $10,000 | Compare |
|
36 Mo CD
|
1.12% | $100,000 | Compare |
|
60 Mo CD
|
1.15% | $10,000 | Compare |
|
60 Mo CD
|
1.15% | $100,000 | Compare |
| MM RATES | APY | MIN | |
|---|---|---|---|
|
Money Market
|
0.15% | $2,500 | Compare |
|
Money Market
|
0.15% | $10,000 | Compare |
|
Money Market
|
0.15% | $25,000 | Compare |
| VARIABLE IRA RATES | APY | MIN |
|---|---|---|
|
Var IRA
|
0.10% | $1 |
| INT CHECKING RATES | APY | MIN |
|---|---|---|
|
Int Ckg
|
0.10% | $1 |
|
Int Ckg
|
0.15% | $2,500 |
Loan Rates - March 10, 2026
| MORTGAGE PURCHASE | APR(%) | MONTHLY PAYMENT |
|---|---|---|
|
5 Year Adjustable Conforming
|
7.75% | $2,050.05 |
|
7 Year Adjustable Conforming
|
7.74% | $2,128.97 |
|
10 Year Adjustable Conforming
|
7.56% | $2,128.97 |
|
15 Year Fixed Conforming
|
6.74% | $2,810.46 |
|
20 Year Fixed Conforming
|
7.09% | $2,480.96 |
|
30 Year Fixed Conforming
|
7.07% | $2,128.97 |
Compare with 0.000% APR and 0.000% 30-Year Fixed RATE from Pentagon Federal Credit Union
|
||
| MORTGAGE REFINANCE | APR(%) | MONTHLY PAYMENT |
|---|---|---|
|
5 Year Adjustable Conforming
|
7.75% | $2,050.05 |
|
7 Year Adjustable Conforming
|
7.74% | $2,128.97 |
|
10 Year Adjustable Conforming
|
7.56% | $2,128.97 |
|
15 Year Fixed Conforming
|
6.74% | $2,810.46 |
|
20 Year Fixed Conforming
|
7.09% | $2,480.96 |
|
30 Year Fixed Conforming
|
7.07% | $2,128.97 |
|
Compare with 0.000% APR and 0.000% 30-Year Fixed RATE from Pentagon Federal Credit Union
|
||
| HOME EQUITY RATES | APR(%) | MONTHLY PAYMENT | ||
|---|---|---|---|---|
|
Line of Credit
|
5.25% | Varies | ||
Compare with 0 RATE Line of Credit from Figure Home Equity Line
|
||||
Compare with 6.95 RATE Line of Credit from Figure Home Equity
|
||||
Compare with 6.95 RATE Line of Credit from Reliant Home Funding, Inc
|
||||
Compare with 7 RATE Line of Credit from Four Leaf Federal Credit Union
|
||||
Compare with 7.25 RATE Line of Credit from Farmers Bank of Kansas City
|
||||
|
10 Year Loan
|
4.96% | $1,054.80 | ||
|
15 Year Loan
|
5.19% | $797.58 | ||
Overview 2026
General Bank Information
| FDIC Insured | Yes |
| FDIC Certificate | # 15970 |
| Date Established | 1851 |
| Assets | $ 1,387.79 million |
| Loans | $ 1,011.57 million |
| Deposits | $ 1,224.77 million |
| Capital | $ 118.07 million |
Summary Balance Sheet as of September 30, 2025
| ASSETS | |
| Cash & Balances due from depository institutions | $ 112.65 million |
| Interest-bearing balances | $ 99.32 million |
| Total securities | $ 172.72 million |
| Federal funds sold and reverse repurchase | N.A. |
| Net loans and leases | $ 1,011.57 million |
| Loan loss allowance | $ 11.75 million |
| Trading account assets | N.A. |
| Bank premises and fixed assets | N.A. |
| Other real estate owned | N.A. |
| Goodwill and other intangibles | $ 6.88 million |
| All other assets | $ 55.52 million |
| Total Assets | $ 1,269.72 million |
| LIABILITIES | |
| Total deposits | $ 1,224.77 million |
| Interest-bearing deposits | $ 1,012.57 million |
| Deposits held in domestic offices | $ 1,224.77 million |
| % insured (estimated)" | 81.16% |
| Federal funds purchased and repurchase agreements | N.A. |
| Trading liabilities | N.A. |
| Other borrowed funds | N.A. |
| Subordinated debt | N.A. |
| All other liabilities | $ 5.90 millionn |
| Total Liabilities | $ 1,269.72 million |
| Shareholders’ Equity | $ 118.07 million |
Summary Income Statement as of September 30, 2025
| INCOME AND EXPENSES | |
| Total Interest Income | $ 44.67 million |
| Total Interest Expense | $ 16.67 million |
| Net interest income | $ 28.00 million |
| Provision for loan and lease losses | N.A. |
| Total non interest income | $ 11.71 million |
| Total non interest expense | $ 34.76 million |
| Pre-tax Net Operating Income | $ 2.53 million |
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