Ulster Savings Bank CD Rates — October 2026

As of October 22, 2026, Ulster Savings Bank's highest tracked CD rate is 4.25% APY on a 24-month CD ($500 minimum). That is 2.7 times the FDIC national average for 24-month CDs (1.55%). Standard CD rates range from 0.10% to 4.25% APY.

Last verified October 22, 2026 from www.ulstersavings.com · FDIC-insured bank · Kingston, NY

Tracking began October 22, 2026.

Best APY4.25%24 months, $500 min

vs. Treasury−0.62%same-term Treasury 4.87%

vs. national average2.7×FDIC national average 1.55%

After inflation0.51%CPI 3.7% year over year

$10,000 earns$868over 24 months, before tax

Ulster Savings Bank CD rates

Published CD rates from 7 days to 5 years, including tiered 7- and 13-month CDs and a 16-month Add-On CD; minimums are $2,500 for terms up to 13 months and $500 for longer terms. The 14- and 37-month promotional CDs require an Ulster Savings checking account. Early withdrawal penalties may apply.

Ulster Savings Bank CD rates
Term	Product	Minimum	APY	vs. Treasury
7 days	7 day CD	$2,500	0.10%Verified October 22, 2026	−4.03%
3 months	3 month CD	$2,500	0.10%Top 93% · $10k reference sampleVerified October 22, 2026	−4.20%
6 months	6 month CD	$2,500	0.15%Top 97% · $10k reference sampleVerified October 22, 2026	−4.25%
7 months	7 month CD TIER IV	$200,000	3.60%Verified October 22, 2026	−0.83%
7 months	7 month CD TIER III	$100,000	3.55%Verified October 22, 2026	−0.88%
7 months	7 month CD TIER II	$50,000	3.50%Verified October 22, 2026	−0.93%
7 months	7 month CD TIER I	$2,500	3.41%Verified October 22, 2026	−1.02%
9 months	9 month CD	$2,500	0.25%Top 97% · $10k reference sampleVerified October 22, 2026	−4.23%
10 months	10 month CD	$2,500	3.41%Verified October 22, 2026	−1.10%
12 months	12 month CD	$2,500	4.00%Top 33% · $10k reference sampleVerified October 22, 2026	−0.57%
13 months	13 month CD TIER III	$100,000	0.30%Verified October 22, 2026	−4.30%
13 months	13 month CD TIER IV	$200,000	0.30%Verified October 22, 2026	−4.30%
13 months	13 month CD TIER I	$2,500	0.25%Verified October 22, 2026	−4.35%
13 months	13 month CD TIER II	$50,000	0.25%Verified October 22, 2026	−4.35%
14 months	14 month Promo Special CD Promotional	$500	0.30%Verified October 22, 2026	−4.32%
15 months	15 month CD	$500	3.70%Verified October 22, 2026	−0.95%
16 months	16 month Add-On CD	$500	3.65%Verified October 22, 2026	−1.02%
18 months	18 month CD	$500	0.30%Top 94% · $10k reference sampleVerified October 22, 2026	−4.42%
20 months	20 month CD	$500	3.65%Verified October 22, 2026	−1.12%
24 months	24 month CD	$500	4.25%Top 17% · $10k reference sampleVerified October 22, 2026	−0.62%
30 months	30 month CD	$500	3.75%Verified October 22, 2026	−1.16%
36 months	36 month CD	$500	0.40%Top 92% · $10k reference sampleVerified October 22, 2026	−4.55%
37 months	37 month Promo Special CD Promotional	$500	0.40%Verified October 22, 2026	−4.55%
48 months	48 month CD	$500	0.45%Top 92% · $10k reference sampleVerified October 22, 2026	−4.53%
60 months	5 year CD	$500	0.50%Top 94% · $10k reference sampleVerified October 22, 2026	−4.51%

APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.

What are Ulster Savings Bank's best CD rates by term?

Ulster Savings Bank's best rate is 4.25% APY on 24 months, verified October 22, 2026.

7 days0.10%
3 mo0.10%
6 mo0.15%
7 mo3.60%
9 mo0.25%
10 mo3.41%
12 mo4.00%
13 mo0.30%
14 mo0.30%
15 mo3.70%
16 mo3.65%
18 mo0.30%
20 mo3.65%
24 mo4.25%
30 mo3.75%
36 mo0.40%
37 mo0.40%
48 mo0.45%
60 mo0.50%

Calculate earnings at 4.25% for 24 months

How much interest could a Ulster Savings Bank CD earn?

Estimated interest at maturity for the displayed institution quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.

$868.06 interest · $10,868.06 at maturity on $10,000.00.

4.25% APY · 24 months · 24 month CD · Standard · verified October 22, 2026.

Before tax; interest remains deposited. Confirm all product conditions. Estimate one-year purchasing power.

Add a CD maturity reminder

Estimated CD interest at maturity — conditional on quoted APY eligibility
Term	$5,000	$10,000	$25,000	$50,000
7 days	$0.100.10% APY · 7 day CD · Standard	$0.190.10% APY · 7 day CD · Standard	$0.480.10% APY · 7 day CD · Standard	$0.960.10% APY · 7 day CD · Standard
3 months	$1.250.10% APY · 3 month CD · Standard	$2.490.10% APY · 3 month CD · Standard	$6.230.10% APY · 3 month CD · Standard	$12.460.10% APY · 3 month CD · Standard
6 months	$3.760.15% APY · 6 month CD · Standard	$7.520.15% APY · 6 month CD · Standard	$18.790.15% APY · 6 month CD · Standard	$37.590.15% APY · 6 month CD · Standard
7 months	$98.803.41% APY · 7 month CD TIER I · Standard	$197.603.41% APY · 7 month CD TIER I · Standard	$494.013.41% APY · 7 month CD TIER I · Standard	$1,013.913.50% APY · 7 month CD TIER II · Standard
9 months	$9.380.25% APY · 9 month CD · Standard	$18.760.25% APY · 9 month CD · Standard	$46.900.25% APY · 9 month CD · Standard	$93.810.25% APY · 9 month CD · Standard
10 months	$141.613.41% APY · 10 month CD · Standard	$283.213.41% APY · 10 month CD · Standard	$708.033.41% APY · 10 month CD · Standard	$1,416.063.41% APY · 10 month CD · Standard
12 months	$200.004.00% APY · 12 month CD · Standard	$400.004.00% APY · 12 month CD · Standard	$1,000.004.00% APY · 12 month CD · Standard	$2,000.004.00% APY · 12 month CD · Standard
13 months	$13.530.25% APY · 13 month CD TIER I · Standard	$27.060.25% APY · 13 month CD TIER I · Standard	$67.640.25% APY · 13 month CD TIER I · Standard	$135.290.25% APY · 13 month CD TIER I · Standard
14 months	$17.510.30% APY · 14 month Promo Special CD · Promotional	$35.020.30% APY · 14 month Promo Special CD · Promotional	$87.560.30% APY · 14 month Promo Special CD · Promotional	$175.110.30% APY · 14 month Promo Special CD · Promotional
15 months	$232.183.70% APY · 15 month CD · Standard	$464.363.70% APY · 15 month CD · Standard	$1,160.903.70% APY · 15 month CD · Standard	$2,321.803.70% APY · 15 month CD · Standard
16 months	$244.973.65% APY · 16 month Add-On CD · Standard	$489.953.65% APY · 16 month Add-On CD · Standard	$1,224.873.65% APY · 16 month Add-On CD · Standard	$2,449.733.65% APY · 16 month Add-On CD · Standard
18 months	$22.540.30% APY · 18 month CD · Standard	$45.070.30% APY · 18 month CD · Standard	$112.690.30% APY · 18 month CD · Standard	$225.370.30% APY · 18 month CD · Standard
20 months	$307.683.65% APY · 20 month CD · Standard	$615.363.65% APY · 20 month CD · Standard	$1,538.393.65% APY · 20 month CD · Standard	$3,076.793.65% APY · 20 month CD · Standard
24 months	$434.034.25% APY · 24 month CD · Standard	$868.064.25% APY · 24 month CD · Standard	$2,170.164.25% APY · 24 month CD · Standard	$4,340.314.25% APY · 24 month CD · Standard
30 months	$482.293.75% APY · 30 month CD · Standard	$964.583.75% APY · 30 month CD · Standard	$2,411.463.75% APY · 30 month CD · Standard	$4,822.923.75% APY · 30 month CD · Standard
36 months	$60.240.40% APY · 36 month CD · Standard	$120.480.40% APY · 36 month CD · Standard	$301.200.40% APY · 36 month CD · Standard	$602.400.40% APY · 36 month CD · Standard
37 months	$61.900.40% APY · 37 month Promo Special CD · Promotional	$123.800.40% APY · 37 month Promo Special CD · Promotional	$309.500.40% APY · 37 month Promo Special CD · Promotional	$619.010.40% APY · 37 month Promo Special CD · Promotional
48 months	$90.610.45% APY · 48 month CD · Standard	$181.220.45% APY · 48 month CD · Standard	$453.050.45% APY · 48 month CD · Standard	$906.090.45% APY · 48 month CD · Standard
60 months	$126.260.50% APY · 5 year CD · Standard	$252.510.50% APY · 5 year CD · Standard	$631.280.50% APY · 5 year CD · Standard	$1,262.560.50% APY · 5 year CD · Standard

How Ulster Savings Bank compares

Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 730-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.

This quote ranks 31 of 221 tracked institutions with fresh 730-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.

Ulster Savings Bank CD rate comparison
Institution / benchmark	Term	Minimum	Quote coverage	APY	Verified / source date
Ulster Savings Bank (this institution)24 month CD · Standard	24 months	$500	Coverage: NY	4.25%	October 22, 2026
E*TRADE (Morgan Stanley Private Bank)Bank CD · Promotional	24 months	Not stated	Nationwide; check eligibility	4.80%	October 22, 2026
Popular DirectCertificate of Deposit · Standard	24 months	$10,000	Nationwide; check eligibility	4.80%	October 22, 2026
Barclays24 Month CD · Standard	24 months	Not stated	Nationwide; check eligibility	4.75%	October 22, 2026
Tower Federal Credit Union (highest tracked APY for this term)Regular Share Certificate · Standard	24 months	$500	Coverage: MD	5.20%	October 22, 2026
Treasury (APY-equivalent)	24 months (term-matched estimate)	Depends on purchase method	Federal; interest exempt from state income tax	4.87%	2026-10-21

Rate changes

See changes across all tracked institutions

No changes since we started tracking Ulster Savings Bank on October 22, 2026.

About Ulster Savings Bank

Legal name: Ulster Savings Bank
Regulator ID: FDIC 15970
Headquarters: Kingston, NY
Available in: NY
Total assets: $1.4 billion
Also known as
Website: www.ulstersavings.com

Source: rates read from https://www.ulstersavings.com/rates/. See the page text we read.

Frequently asked questions

What is the highest CD rate at Ulster Savings Bank?

Among the rates we track, 4.25% APY on a 24-month CD, as of October 22, 2026.

What is the minimum deposit for a Ulster Savings Bank CD?

The lowest minimum we found is $500; jumbo and higher balance tiers start at up to $200,000.

How does Ulster Savings Bank's best CD rate compare with Treasury yields?

4.25% APY is −0.62% versus the 24-month Treasury yield of 4.87% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.

Is 4.25% a good CD rate?

It is 2.7 times the FDIC national average for a similar term (1.55% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.

Are Ulster Savings Bank CDs insured?

Ulster Savings Bank is an FDIC-insured bank (FDIC 15970). Deposits are insured up to $250,000 per depositor, per ownership category.

How often is this page updated?

We check Ulster Savings Bank's rate page every day. The rates above were last verified on October 22, 2026.

More bank CD rates

Rates are copied from Ulster Savings Bank's website and may change at any time. Confirm terms, minimums and eligibility with Ulster Savings Bank before opening an account. This page is not financial advice.