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 Ulster Savings Bank Rates & Review September 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.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: September 7, 2026
Ulster Savings Bank's 30-Month Certificate rates are at 3.75%, 15-Month Certificate rates are at 3.70%, 16-Month Add-On rates are at 3.65%, 20-Month Certificate rates are at 3.65%, 7-Month TIER IV rates are at 3.60%. 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-5 Year Fixed/1 Year Adjustable rates are at 6.00%, ARM-10 Year Fixed/1 Year Adjustable rates are at 6.25%, ARM-3 Year Fixed/1 Year Adjustable rates are at 5.88%, ARM-7 Year Fixed/1 Year Adjustable rates are at 6.00%, Mortgage Rates - 15 Year Fixed rates are at 6.50%. 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 12.93%. Rates last updated and verified on 09/07/2026. Ulster 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 CD Rates
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
Financial Health HistoryUlster Savings Bank’s Texas Ratio rose from 5.39% in Q3 2023 to 12.93% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the amber line marks the 15% level a bank must stay under to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy threshold
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
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 & Overview
Institution Name
Ulster Savings Bank
FDIC Certificate #
15970
Address
180 Schwenk Dr,
Kingston, NY 12401 · Ulster
Website
https://www.ulstersavings.com
Established
18510413
FDIC Insurance Date
19430701
Domestic Offices
15
Total Branches
15
Regulator
FDIC
FDIC Insured
✓ Yes — Up to $250,000
Financial Health & AssetsA
Overall Health Grade
Score: 94/100
5.0
Exceptional
Out of 5.0 Stars
12.93%
Texas Ratio
Nat'l avg: 5.85%
Return on Assets (ROA)
0.5546%
Return on Equity (ROE)
6.2400%
Non-Performing Loans (NPL)
1.16%
Total Assets
$1,392,069,000
Total Deposits
$1,237,244,000
Equity Capital
$124,596,000
Net Income
$3,834,000
Headquarters
Kingston
Total Branches and Offices
15
Source: FDIC | Last Updated 06/30/2026
Customer Reviews
There are no reviews for Ulster Savings Bank yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Ulster Savings Bank
Frequently Asked Questions About Ulster Savings BankHow many branches does Ulster Savings Bank operate?Ulster Savings Bank currently maintains approximately 15 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is there a first-time homebuyer program?Currently, Ulster Savings Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Ulster Savings Bank provides members with tools to manage their accounts and build a solid financial history. Does Ulster Savings Bank offer online and mobile banking?Most modern institutions like Ulster Savings Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.ulstersavings.com. Current Ulster Savings Bank Rates
Retrieved from our database of financial products. Rates subject to change.
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