Fixed Rate Home Equity Loan Rates

Term Interest Rate APR* Monthly Payment per $1,000
5 years 6.625% 6.848% $19.62
10 years 6.750% 6.872% $11.48
15 years 6.875% 6.964% $8.92
20 years 7.500% 7.579% $8.06
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Rates Updated 5/23/2025

*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 / Fair Housing 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 and fair housing laws& and within the confines of safe and sound banking practices. Ulster Savings Bank believes that its commitment to fair lending and fair housing 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.

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