Ulster Savings
Rates
Rates

LOAN INTEREST RATES  



MORTGAGE RATES               

Rates updated - 8/29/2014

*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.

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

CONSTRUCTION RATES

CALL US FOR THE MOST CURRENT CONSTRUCTION LOAN RATES.

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


HOME EQUITY RATES

rates updated 8/29/2014

*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.




DEPOSIT INTEREST RATES

CHECKING ACCOUNT RATES

rates updated 8/29/2014

*** 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 8/29/2014

*** 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 8/29/2014

*** 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 8/29/2014

***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.

**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.

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.

Fixed rate accounts are those NOT marked with a single asterisk(*).


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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.