# Ulster Savings Bank CD rates

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.

Canonical page: https://apyledger.com/cd-rates/ulster-savings-bank
Institution: Ulster Savings Bank (FDIC 15970)
Aliases: 
Status: live
Last verified: 2026-10-22T16:25:51.000Z (October 22, 2026)
Official source: https://www.ulstersavings.com/rates/
Coverage: 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.
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 7 day CD | standard | 7 days | $2,500 | 0.10% | Not ZIP-priced | −4.03% | 2026-10-22T16:25:51.000Z | [Snapshot 423](https://apyledger.com/snapshots/423) |
| 3 month CD | standard | 3 months | $2,500 | 0.10% | Not ZIP-priced | −4.20% | 2026-10-22T16:25:51.000Z | [Snapshot 423](https://apyledger.com/snapshots/423) |
| 6 month CD | standard | 6 months | $2,500 | 0.15% | Not ZIP-priced | −4.25% | 2026-10-22T16:25:51.000Z | [Snapshot 423](https://apyledger.com/snapshots/423) |
| 7 month CD TIER IV | standard | 7 months | $200,000 | 3.60% | Not ZIP-priced | −0.83% | 2026-10-22T16:25:51.000Z | [Snapshot 423](https://apyledger.com/snapshots/423) |
| 7 month CD TIER III | standard | 7 months | $100,000 | 3.55% | Not ZIP-priced | −0.88% | 2026-10-22T16:25:51.000Z | [Snapshot 423](https://apyledger.com/snapshots/423) |
| 7 month CD TIER II | standard | 7 months | $50,000 | 3.50% | Not ZIP-priced | −0.93% | 2026-10-22T16:25:51.000Z | [Snapshot 423](https://apyledger.com/snapshots/423) |
| 7 month CD TIER I | standard | 7 months | $2,500 | 3.41% | Not ZIP-priced | −1.02% | 2026-10-22T16:25:51.000Z | [Snapshot 423](https://apyledger.com/snapshots/423) |
| 9 month CD | standard | 9 months | $2,500 | 0.25% | Not ZIP-priced | −4.23% | 2026-10-22T16:25:51.000Z | [Snapshot 423](https://apyledger.com/snapshots/423) |
| 10 month CD | standard | 10 months | $2,500 | 3.41% | Not ZIP-priced | −1.10% | 2026-10-22T16:25:51.000Z | [Snapshot 423](https://apyledger.com/snapshots/423) |
| 12 month CD | standard | 12 months | $2,500 | 4.00% | Not ZIP-priced | −0.57% | 2026-10-22T16:25:51.000Z | [Snapshot 423](https://apyledger.com/snapshots/423) |
| 13 month CD TIER III | standard | 13 months | $100,000 | 0.30% | Not ZIP-priced | −4.30% | 2026-10-22T16:25:51.000Z | [Snapshot 423](https://apyledger.com/snapshots/423) |
| 13 month CD TIER IV | standard | 13 months | $200,000 | 0.30% | Not ZIP-priced | −4.30% | 2026-10-22T16:25:51.000Z | [Snapshot 423](https://apyledger.com/snapshots/423) |
| 13 month CD TIER I | standard | 13 months | $2,500 | 0.25% | Not ZIP-priced | −4.35% | 2026-10-22T16:25:51.000Z | [Snapshot 423](https://apyledger.com/snapshots/423) |
| 13 month CD TIER II | standard | 13 months | $50,000 | 0.25% | Not ZIP-priced | −4.35% | 2026-10-22T16:25:51.000Z | [Snapshot 423](https://apyledger.com/snapshots/423) |
| 14 month Promo Special CD | promotional | 14 months | $500 | 0.30% | Not ZIP-priced | −4.32% | 2026-10-22T16:25:51.000Z | [Snapshot 423](https://apyledger.com/snapshots/423) |
| 15 month CD | standard | 15 months | $500 | 3.70% | Not ZIP-priced | −0.95% | 2026-10-22T16:25:51.000Z | [Snapshot 423](https://apyledger.com/snapshots/423) |
| 16 month Add-On CD | standard | 16 months | $500 | 3.65% | Not ZIP-priced | −1.02% | 2026-10-22T16:25:51.000Z | [Snapshot 423](https://apyledger.com/snapshots/423) |
| 18 month CD | standard | 18 months | $500 | 0.30% | Not ZIP-priced | −4.42% | 2026-10-22T16:25:51.000Z | [Snapshot 423](https://apyledger.com/snapshots/423) |
| 20 month CD | standard | 20 months | $500 | 3.65% | Not ZIP-priced | −1.12% | 2026-10-22T16:25:51.000Z | [Snapshot 423](https://apyledger.com/snapshots/423) |
| 24 month CD | standard | 24 months | $500 | 4.25% | Not ZIP-priced | −0.62% | 2026-10-22T16:25:51.000Z | [Snapshot 423](https://apyledger.com/snapshots/423) |
| 30 month CD | standard | 30 months | $500 | 3.75% | Not ZIP-priced | −1.16% | 2026-10-22T16:25:51.000Z | [Snapshot 423](https://apyledger.com/snapshots/423) |
| 36 month CD | standard | 36 months | $500 | 0.40% | Not ZIP-priced | −4.55% | 2026-10-22T16:25:51.000Z | [Snapshot 423](https://apyledger.com/snapshots/423) |
| 37 month Promo Special CD | promotional | 37 months | $500 | 0.40% | Not ZIP-priced | −4.55% | 2026-10-22T16:25:51.000Z | [Snapshot 423](https://apyledger.com/snapshots/423) |
| 48 month CD | standard | 48 months | $500 | 0.45% | Not ZIP-priced | −4.53% | 2026-10-22T16:25:51.000Z | [Snapshot 423](https://apyledger.com/snapshots/423) |
| 5 year CD | standard | 60 months | $500 | 0.50% | Not ZIP-priced | −4.51% | 2026-10-22T16:25:51.000Z | [Snapshot 423](https://apyledger.com/snapshots/423) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.