Interest rates
have dropped!

15-Year Fixed Rate
Home Equity Loan

6.875%
6.964% APR*

Apply with US today!

*APR=Annual Percentage Rate

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Join Us for a Homebuyer Seminar Presented in Spanish and Receive a $750* Homebuyer Credit

Gain Valuable Knowledge at our in-person Homebuyer Seminar presented in Spanish on Thursday, May 29, 2025​, at 5:30pm. You will get an in-depth overview on how to prepare for your mortgage application, including learning the terminology and the process for qualifying for your dream home. Receive a $750* Homebuyer Credit for participating. *Certain conditions apply.

Register Here
Chronogram Vote Badge

Vote for US Until May 15

You can help make US the Hudson Valley's bank of choice again! Please vote for us between now and May 15 in the bank category of the 2025 Chronogram’s Readers’ Choice Awards. 

Vote for US Today
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Now You Can Accept Payments and Manage Your Business with Clover

We’ve teamed up with Clover, a leading global provider of payments and financial technology solutions. Clover helps simplify your operations with a payment processing system and business management solutions tailored to meet the unique needs of restaurants, retailers and services businesses.

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Woman with coffee looking out window

Take Control of Your Finances with the Budget Bundle

Introducing the Budget Bundle, your path to financial confidence. A simple, all-in-one solution to help you build healthy spending habits, save for the future, and handle life’s surprises with confidence. Organize your money effortlessly with an account that pays bills, an account for spending, and a savings account.

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Warehouse Owner

Your Business Deserves the Best in Banking

We are an award-winning bank recognized for service, safety, reliability, community impact, and a great place to work. We offer your businesses personalized, smart solutions all under one roof. Switch to a bank where your business matters. 

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Woman smiling and checking credit score on her phone

Check Your Credit Score Anywhere You Go

Access your credit score right in your online banking. Opt in to the Credit Score feature and take control of your financial health. You will have access to all the Credit Score resources without impacting your score.

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Business line of credit in Kingston, NY | Ulster Savings Bank

Business Loans

As a business owner, we know you’re always looking for new opportunities to expand and grow your business. Ulster Savings has flexible financing options to help you figure out everything from acquiring a business to purchasing a new building, equipment or funding seasonal working capital. 

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Banking with US Makes a difference. Community Matters.

Community Matters

We have always believed in being a major driver of positive change. We understand the value of caring about the communities we serve and supporting local is at the heart of everything we do. Bank where you and your community matter.

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Two children riding in the back of a red car.

For Protection and Peace of Mind

You’ve worked hard to build your business and it’s important to protect your company with affordable, comprehensive insurance. Our insurance team will work closely with you to assess your situation, explore options, and tailor-fit a solution to meet your business needs.

Get Started
24/7 Debit Card Support: 866-440-0392
Calls from 800-262-2024 are from our fraud monitoring provider Enfact.
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