Rates
Rates

LOAN INTEREST RATES          Find your local Mortgage Specialist

MORTGAGE RATES

 


rates updated 10/17/2017

*APR = Annual Percentage Rate. Payments do not include amounts for applicable taxes and insurance premiums. Actual monthly payments will be greater.

** The APR for 15-Yr Fixed / 1-Yr Adjustable, 10-Yr Fixed / 1-Yr Adjustable, 7-Yr Fixed / 1-Yr Adjustable, 5-Yr Fixed / 1-Yr Adjustable and 3-Yr Fixed / 1-Yr Adjustable mortgage products may be increased during the loan term.

*** 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.

^ A loan is considered "jumbo" if the amount of the mortgage exceeds conforming loan limits as set by Fannie Mae and Freddie Mac.

Rates subject to change.  Loans are subject to credit approval.  Other conditions may apply. Ulster Savings Bank cannot be held responsible for online calculator errors.

Fair Lending Statement
Ulster Savings Bank is committed to making high quality banking and credit services available to all applicants consistently and in compliance with fair lending laws and within the confines of safe and sound banking practices.  Ulster Savings Bank believes that its commitment to fair lending is a good business practice as well as a basic responsibility of the company.  The Bank's success at serving a wide range of consumer and business customers is essential to the economic welfare of the community in which it conducts business and to the continued growth and vitality of the company.

CONSTRUCTION RATES

CALL US FOR THE MOST CURRENT CONSTRUCTION LOAN RATES.

Click here to find the nearest bank branch or loan center.

Fair Lending Statement
Ulster Savings Bank is committed to making high quality banking and credit services available to all applicants consistently and in compliance with fair lending laws and within the confines of safe and sound banking practices.  Ulster Savings Bank believes that its commitment to fair lending is a good business practice as well as a basic responsibility of the company.  The Bank's success at serving a wide range of consumer and business customers is essential to the economic welfare of the community in which it conducts business and to the continued growth and vitality of the company.


FIXED RATE HOME EQUITY LOAN RATES

rates updated 10/17/2017

*APR=Annual Percentage Rate. Rates subject to change. Ulster Savings Bank cannot be held responsible for online calculator errors.
The home equity rates quoted above are for fixed rate home equity loans. Contact us for current rates on home equity lines of credit.

 

Fair Lending Statement
Ulster Savings Bank is committed to making high quality banking and credit services available to all applicants consistently and in compliance with fair lending laws and within the confines of safe and sound banking practices.  Ulster Savings Bank believes that its commitment to fair lending is a good business practice as well as a basic responsibility of the company.  The Bank's success at serving a wide range of consumer and business customers is essential to the economic welfare of the community in which it conducts business and to the continued growth and vitality of the company.


VARIABLE RATE HOME EQUITY LINE OF CREDIT RATES

rates updated 10/17/2017


Additional Home Equity Line of Credit (HELOC) Products Available:

  • 80/10/10 Program (80% first mortgage with 10% 2nd mortgage and client makes 10% down payment) = Prime + 1%;
     
  • Ulster Savings Bank as 2nd lienholder up to 90% LTV = Prime Rate + 1.75%
     
  • Investment Property (non-owner occupied) up to 60% LTV = Prime Rate + 2.00%

*APR=Annual Percentage Rate.
**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.


For more information about our Home Equity Line of Credit loans, please contact US at (866) 440-0391, ext. 3471.


Fair Lending Statement
Ulster Savings Bank is committed to making high quality banking and credit services available to all applicants consistently and in compliance with fair lending laws and within the confines of safe and sound banking practices.  Ulster Savings Bank believes that its commitment to fair lending is a good business practice as well as a basic responsibility of the company.  The Bank's success at serving a wide range of consumer and business customers is essential to the economic welfare of the community in which it conducts business and to the continued growth and vitality of the company.

 

DEPOSIT INTEREST RATES

CHECKING ACCOUNT RATES

rates updated 10/17/2017

*** 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.

*Variable rate accounts are those marked with an asterisk (*).

 

SAVINGS ACCOUNT RATES

rates updated 10/17/2017

*** 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.

*Variable rate accounts are those marked with an asterisk (*).

 

MONEY MARKET RATES

rates updated 10/17/2017

*** 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.

*Variable rate accounts are those marked with an asterisk (*).


CD RATES

rates updated 10/17/2017

**For all 7 and 13 month tier CD accounts a customer must open or maintain an Ulster Savings Bank checking account and have direct deposit to a Ulster Savings Bank checking or savings account to be eligible for this account.

***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.

 

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.

 

 
We are committed to ensuring that persons with disabilities have access to our goods and services, including those offered through our website. If you have any feedback or questions regarding our website, please e-mail us at customerservice@ulstersavings.com or call us at 1-866-440-0391.
 
Member FDIC

Investment, Tax, Payroll and Insurance products and services offered through Ulster Insurance Services, Inc. and Ulster Financial Group, Inc., subsidiaries of Ulster Savings Bank, are NOT FDIC INSURED.

Equal Housing Lender

NMLS #619306

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