APY Ledger rate-source excerpt. APY Ledger is an independent rate tracker, not affiliated with this institution.
Lines containing rates, copied from the public page below; open that page for full terms. Never enter account details on apyledger.com.

Source: https://www.ulstersavings.com/rates/
Read: 2026-10-22T16:25:51.000Z

Ulster Savings Bank is proud to be Certified™ by Great Place To Work® for a second year in a row. This prestigious award is entirely employee-based and 93% of our employees said that when joining the company, you are made to feel welcome. Find Out More
Product | Interest Rate | Points | APR* | Monthly Payment per $1,000
30 Year Fixed | 7.375% | 0 | 7.537% | $6.91
30 Year Fixed | 7.125% | 1.000 | 7.386% | $6.74
20 Year Fixed | 7.250% | 0 | 7.457% | $7.90
15 Year Fixed | 7.125% | 0 | 7.380% | $9.06
10 Year Fixed | 7.125% | 0 | 7.481% | $11.68
FHA | 7.125% | 0 | 8.199% | $6.74
VA | 7.250% | 0 | 7.563% | $6.82
SONYMA | 6.600% | 0 | 6.687% | $6.39
ARM ^ -10 Year Fixed/ 1 Year Adjustable o | 6.875% | 0 | 7.035%** | $6.57 1
ARM ^ -7 Year Fixed/ 1 Year Adjustable o | 6.250% | 0 | 6.754%** | $6.16 2
ARM ^ -5 Year Fixed/ 1 Year Adjustable o | 6.250% | 0 | 6.844%** | $6.16 3
ARM ^ -3 Year Fixed/ 1 Year Adjustable o | 6.500% | 0 | 7.018%** | $6.32 4
o Current 1-Year ARM is 7.000%. The initial rate will be the floor rate. The first adjusted payment is based on a current index, plus a margin, subject to the floor rate and annual and lifetime adjustment caps.
Term | Interest Rate | APR* | Monthly Payment per $1,000
5 years | 5.990% | 6.190% | $19.33
10 years | 6.750% | 6.872% | $11.48
15 years | 6.875% | 6.964% | $8.92
20 years | 7.500% | 7.579% | $8.06
Interest Rate | APR* | Draw Period | Repayment Period | Minimum/Maximum Line Available
Prime for Life** | 7.000%** | 5 Years | Up to 15 years | $10,000/$500,000
Ulster Savings Bank as 2 nd lienholder up to 80% LTV
Investment Property (non-owner occupied) up to 60% LTV = Prime Rate + 2.00%
**Interest rate based on the following: 80% LTV (loan to value) = Prime Rate. APR based on loan amount of less than $250,000. Interest rate and APR based on 1-4 Family New York State owner-occupied properties or second homes.
Rates subject to change. Loans subject to credit approval. The APR quoted may vary monthly, but will not exceed 18.00%. Rates based on Prime Rate published in the Wall Street Journal as of the last business day of each month. Draw period for 5 years. Repayment period for 15 years. Monthly interest-only payments during draw period. Monthly principal and interest payments during repayment period. APR quote does not include costs other than interest. Property insurance required. Flood insurance, if applicable, required. For loans less than $250,000, borrower to pay applicable New York State mortgage tax and a recording fee which may range between $175.00 and $815.50. Loans in excess of $250,000.00 and all loans on investment properties (non-owner occupied), borrower required to provide title insurance and pay all standard closing costs, which may range between $2,770.00 and $9,545.50. Title Insurance: Rates established by NYS Department of Financial Services; rate chart provided upon request. Other terms and conditions may apply. The home equity rates quoted above are for variable rate home equity lines of credit. Please contact a tax advisor regarding the deductibility of interest paid on your home equity line of credit.
Term | Minimum Balance to Open and Earn APY | Interest Rate | APY*
7 day | $2,500 | 0.10% | 0.10%
3 month (91 day) | $2,500 | 0.10% | 0.10%
6 month (182 day) | $2,500 | 0.15% | 0.15%
7 month TIER I | $2,500 | 3.31% | 3.41%
7 month TIER II | $50,000.00 - $99,999.99 | 3.39% | 3.50%
7 month TIER III | $100,000.00 - $199,999.99 | 3.44% | 3.55%
7 month TIER IV | $200,000 or higher | 3.49% | 3.60%
9 month | $2,500 | 0.25% | 0.25%
10 month | $2,500 | 3.31% | 3.41%
12 month | $2,500 | 3.87% | 4.00%
13 month TIER I | $2,500 | 0.25% | 0.25%
13 month TIER II | $50,000.00 - $99,999.99 | 0.25% | 0.25%
13 month TIER III | $100,000.00 - $199,999.99 | 0.30% | 0.30%
13 month TIER IV | $200,000 or higher | 0.30% | 0.30%
14 month Promo Special^ | $500 | 0.30% | 0.30%
15 month | $500 | 3.58% | 3.70%
16 month Add-On | $500 | 3.54% | 3.65%
18 month | $500 | 0.30% | 0.30%
20 month | $500 | 3.54% | 3.65%
24 month | $500 | 4.11% | 4.25%
30 month | $500 | 3.63% | 3.75%
36 month | $500 | 0.39% | 0.40%
37 month Promo Special^ | $500 | 0.39% | 0.40%
48 month | $500 | 0.44% | 0.45%
5 year | $500 | 0.49% | 0.50%
* APY=Annual Percentage Yield. An annual percentage yield is a percentage rate reflecting the total amount of interest paid on an account, based on the interest rate and the frequency of compounding for a 365-day period or 366-day period during leap years and calculated according to the rules in Appendix A of Regulation DD.
Any Annual Percentage Yield (APY) provided on our website assumes interest will remain on deposit until maturity for accounts with terms. All certificate of deposit accounts are fixed rate accounts. Fixed rate accounts with specific maturities are in effect until maturity (ie 7 day, 91 day, etc). Fees charged for maintenance or certain transactions on any account may also reduce earnings.
Product | Minimum Balance to Open | Minimum Balance to Earn APY | Interest Rate | APY**
Ultra Smart Checking* Tier I | $25 | $0.01 - $2,499.99 | 0.05% | 0.05%
Ultra Smart Checking* Tier II | $25 | $2,500 | 0.10% | 0.10%
Non-Profit Checking* | $25 | $25 | 0.10% | 0.10%
** APY=Annual Percentage Yield. Rates subject to change. Interest rates and terms apply only to Ulster, Dutchess, Greene and Orange counties in NY State. Ulster Savings Bank cannot be held responsible for online calculator errors.
Any Annual Percentage Yield (APY) provided on our website assumes interest will remain on deposit for at least one year. All checking accounts listed above are variable rate accounts. Rates for variable rate accounts may change after the account is opened. Fees charged for maintenance or certain transactions on any account may also reduce earnings.
Amount | Minimum Balance to Open | Minimum Balance to Earn APY | Interest Rate | APY**
Non-Profit Select Money Market* Account Tier I | $2,500 | $.01 - $49,999.99 | 2.44% | 2.50%
Non-Profit Select Money Market* Account Tier II | $2,500 | $50,000.00 - $74,999.99 | 2.44% | 2.50%
Non-Profit Select Money Market* Account Tier III | $2,500 | $75,000.00 - $99,999.99 | 2.44% | 2.50%
Non-Profit Select Money Market* Account Tier IV | $2,500 | $100,000.00- $274,999.99 | 2.44% | 2.50%
Non-Profit Select Money Market* Account Tier V | $2,500 | $275,000.00- $499,999.99 | 2.44% | 2.50%
Non-Profit Select Money Market* Account Tier VI | $2,500 | $500,000 or higher | 2.44% | 2.50%
** APY=Annual Percentage Yield. Rates subject to change. Interest rates and terms apply only to Ulster, Dutchess, Greene and Orange counties in NY State. Ulster Savings Bank cannot be held responsible for online calculator errors.
Any Annual Percentage Yield (APY) provided on our website assumes interest will remain on deposit for at least one year. All money market accounts listed above are variable rate accounts. Rates for variable rate accounts may change after the account is opened. Fees charged for maintenance or certain transactions on any account may also reduce earnings. Transfers from a Money Market account to another account or to third parties by preauthorized, automatic, computer, check, debit card or similar order and telephone transfer are limited to six (6) per statement cycle.
Product | Minimum Balance to Open and Earn APY | Interest Rate | APY**
Smart Savings*^ | $250 | 0.10% | 0.10%
Minor Savings* | $5 | 0.10% | 0.10%
** APY=Annual Percentage Yield. Rates subject to change. Interest rates and terms apply only to Ulster, Dutchess, Greene and Orange counties in NY State. Ulster Savings Bank cannot be held responsible for online calculator errors.
Any Annual Percentage Yield (APY) provided on our website assumes interest will remain on deposit for at least one year. All savings accounts listed above are variable rate accounts. Rates for variable rate accounts may change after the account is opened. Fees charged for maintenance or certain transactions on any account may also reduce earnings. Transfers from a Statement Savings account to another account or to third parties by preauthorized, automatic, computer, check, debit card or similar order and telephone transfer are limited to six (6) per statement cycle.
Amount | Minimum Balance to Open | Minimum Balance to Earn APY | Interest Rate | APY**
Select Money Market* Tier 1 | $2,500 | $0.01 | 0.15% | 0.15%
Select Money Market* Tier 2 | $2,500 | $50,000.00 - $74,999.99 | 0.15% | 0.15%
Select Money Market* Tier 3 | $2,500 | $75,000.00 - $99,999.99 | 0.20% | 0.20%
Select Money Market* Tier 4 | $2,500 | $100,000 or higher | 0.20% | 0.20%
** APY=Annual Percentage Yield. Rates subject to change. Interest rates and terms apply only to Ulster, Dutchess, Greene and Orange counties in NY State. Ulster Savings Bank cannot be held responsible for online calculator errors.
Any Annual Percentage Yield (APY) provided on our website assumes interest will remain on deposit for at least one year. All money market accounts listed above are variable rate accounts. Rates for variable rate accounts may change after the account is opened. Fees charged for maintenance or certain transactions on any account may also reduce earnings. Transfers from a Money Market account to another account or to third parties by preauthorized, automatic, computer, check, debit card or similar order and telephone transfer are limited to six (6) per statement cycle.
Amount | Minimum Balance to Open | Minimum Balance to Earn APY | Interest Rate | APY**
IRA Select Money Market Account—TIER 1 | $25 | $0.01 - $49,999.99 | 0.15% | 0.15%
IRA Select Money Market Account—TIER 2 | $500 | $50,000–$74,999.99 | 0.15% | 0.15%
IRA Select Money Market Account—TIER 3 | $500 | $75,000–$99,999.99 | .020% | 0.20%
IRA Select Money Market Account—TIER 4 | $500 | $100,000 or higher | 0.20% | 0.20%
IRA Education Money Market Account—TIER 1 | $25 | $0.01 - $499.99 | 0.10% | 0.10%
IRA Education Money Market Account—TIER 2 | $500 | $500 or higher | 0.15% | 0.15%
** APY=Annual Percentage Yield. Rates subject to change. Interest rates and terms apply only to Ulster, Dutchess, Greene and Orange counties in NY State. Ulster Savings Bank cannot be held responsible for online calculator errors. A penalty may be imposed for early withdrawal and may reduce earnings. Rates subject to change.
Any Annual Percentage Yield (APY) provided on our website assumes interest will remain on deposit for at least one year. All money market accounts listed above are variable rate accounts. Rates for variable rate accounts may change after the account is opened. Fees charged for maintenance or certain transactions on any account may also reduce earnings. Transfers from a Money Market account to another account or to third parties by preauthorized, automatic, computer, check, debit card or similar order and telephone transfer are limited to six (6) per statement cycle.