Ulster Savings Bank Rates and Review March 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Ulster Savings Bank's savings rates are at 0.10%. Ulster Savings Bank's money market rates are at 0.10%. Ulster Savings Bank's ARM-7 Year Fixed/1 Year Adjustable rates are at 5.25%, ARM-10 Year Fixed/1 Year Adjustable rates are at 5.50%, ARM-5 Year Fixed/1 Year Adjustable rates are at 5.25%, ARM-3 Year Fixed/1 Year Adjustable rates are at 5.12%, 15 Year Fixed rates are at 5.75%. 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 5.39%. Rates were last updated on 03/05/2026.
Rate Updates and AvailabilityUlster 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. Ulster Savings Bank Texas RatioUlster Savings Bank's Texas Ratio is at 5.39%, which is considered excellent. The Texas Ratio for Ulster Savings Bank is lower than the national average of all banks, currently at 6.13%. The Texas Ratio was developed in the early 1980s, and it is used to identify potential problem banks. Banks that have a Texas Ratio of 100% or more have a high chance of failing. MonitorBankRates Rating
5.0
Exceptional
Out of 5.0 Stars
Ulster Savings Bank has earned a Smart Rating of 5.0 out of 5 stars. 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. Overall, Ulster Savings Bank is a exceptional bank worth considering, with an overall rating of 5.0 stars out of 5 stars. Overall Health & Safety Grade
A+
Exceptional Health
Score: 97/100
Ulster Savings Bank has earned an overall safety grade of A+. This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability. Current Interest RatesRate
APY/APR
vs. Avg
"N/A" indicates the product is not offered or the rate is unavailable. Rates Last Updated: 03/05/2026 
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
Methodology & Data SourcesMonitorBankRates 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 & OverviewUlster Savings Bank
180 Schwenk DrKingston, NY 12401 Ulster Established Date: 04/13/1851 FDIC Certificate #: 15970 Date of FDIC Deposit Insurance: 07/01/1943 How Many Domestic U.S. Offices? 15 How Many Branches are There? 15 Website: https://www.ulstersavings.com
Is Ulster Savings Bank FDIC Insured? Yes
What is Ulster Savings Bank's Cert number? 15970
What is the maximum amount for insured deposits? $250,000 per holder, per account
Financial Health & AssetsMonitorBankRates Star Rating:
5.0 / 5.0 ★
Overall Health & Safety Grade:
A+ (97/100)
Texas Ratio:
5.39%
Return on Assets (ROA):
0.4241%
Return on Equity (ROE):
5.4000%
Non-Performing Loans (NPL):
0.38%
Total Assets:
$1,383,907,000
Total Deposits:
$1,223,138,000
Equity Capital:
$121,238,000
Net Income:
$5,964,000
Headquarters:
Kingston
Regulator:
FDIC
# of Offices:
15
Source: FDIC | Last Updated 12/31/2025
Customer ReviewsThere are no reviews for Ulster Savings Bank yet. Feel free to create one below.
Add Your Rating and Review for Ulster Savings Bank
Frequently Asked Questions About Ulster Savings BankHow do I open an account at Ulster Savings Bank?You can typically open an account at Ulster Savings Bank by visiting a local branch or applying through their official website. Is there a first-time homebuyer program?Currently, Ulster Savings Bank provides a range of mortgage and home equity products. Is Ulster Savings Bank a safe place to deposit money?Yes, Ulster Savings Bank is considered a safe financial institution. Your accounts are federally insured by the FDIC up to $250,000 per depositor. Does Ulster Savings Bank offer online and mobile banking?Most modern institutions like Ulster Savings Bank provide digital access including online balance checks and transfers. Compare to other Banks |
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