Rates Updated 5/1/2026

*Variable rate accounts are accounts with rates that may change after the account is opened.

^** 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 fee of $3.00 will be imposed at interest crediting if the average daily balance for the month in a Smart Statement Savings account falls below $500.00.

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.