Savings

From simple interest-earning savings accounts to multiple choices for Certificates of Deposit (CDs), Ulster Savings gives you many choices to make your money grow.

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Checking
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Online and Mobile Banking
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Student Banking
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Budget Bundle
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Freedom Select

Smart Savings Account

A savings account that features a convenient and easy to read monthly record in statement form.

  • Only $250 minimum to open & earn interest
  • ATM accessibility to your funds
  • Only $3 monthly charge if minimum daily balance falls below $500
Savings Interest Rates Open An Account

Swipe and Save

Enroll in our Swipe and Save Program and round up your debit card purchases to the nearest dollar and transfer the difference to a statement savings account. Get started saving. It’s as easy as 1, 2, 3!

  1. Enroll. Stop by a branch and enroll in a USB checking account with a debit card and
    connect it to a USB statement savings account of your choice.
  2. Shop. Use your debit card for everyday purchases and spend like you normally would.
  3. Save. Your purchases will be rounded up to the nearest dollar and the change will be transferred from your USB checking account to your USB statement savings account.
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Minor Savings Account

In today’s world, it’s critical to start good savings and investing habits at an early age. This account is created exclusively for students of elementary to high school age and teaches children the benefits of saving, while making it fun and enjoyable.

  • $5 minimum deposit
  • Receive statements quarterly.
  • Sign up for online banking.
  • Interest will be earned on balances of $5 or more.
  • Withdrawals can be made at any of our convenient branch locations.

We reward good grades. Students with a B average or better, can receive $2 deposited into one of their deposit accounts each report card period and earn up to $8 each year. Just stop by any branch location and show US their report card.

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Money Market Account

In today’s world, it’s critical to start good savings and investing habits at an early age. This account is created exclusively for students of elementary to high school age and teaches children the benefits of saving, while making it fun and enjoyable.

  • Minimum balance to open $2,500
  • Competitive variable interest rates
  • Preauthorized withdrawals available
  • ATM capabilities
  • Transfer funds between accounts
  • Deposit or withdraw at anytime
  • Online Statements available
  • $10 charge if minimum daily balance falls below $2,500
Money Market Interest Rates Find a Location

Certificates of Deposit (CD)

If you have cash to invest, consider the safety of a Certificate of Deposit (CD). FDIC insured CDs provide a low-risk way to invest excess funds you may not need right away. Choose from a variety of CD options available from US.

CD Interest Rates Open An Account

Health Savings Account (HSA)

Flexible and easy to use, a Health Savings Account (HSA) from Ulster Savings Bank is a tax-favored personal savings account that works with a High Deductible Health Plan (HDHP) to help pay rising health care expenses for individuals, their spouses, and their dependents.

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