PO BOX 2310
Kingston, NY 12402

Notable Rates APY Vs.Others
Savings 0.10% 2.30% →
1-Year CD 0.45% 2.25% →
2-Year CD N.A. 2.50% →
5-Year CD N.A. 2.80% →
30-Year Mortgage N.A. 3.31% →
15-Year Mortgage N.A. 2.77% →
HELOC N.A. 4.00% →

2019 Overview

General Credit Union Information

Ulster is an NCUA insured institution located in Kingston, NY. It was founded in 1974 and has approximately $133.96 millions in assets.

NCUA Insured Yes
Charter Number # # 21694
Date Established 1974
Assets $133.96 million
Loans $43.01 million
Deposits $122.45 million
Capital $11.07 million

Field of Membership Restrictions

Membership is open to those who live, work, worship, attend school, or business entities in Ulster County and to immediate family of current members.

Deposit Rates - December 11, 2019

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Money Market
0.15% $500 - Learn MoreShow Less
Premium Money Market Account
0.15% $2,500 $99,999 Learn MoreShow Less
Fixed IRA
0.55% $500 - Learn MoreShow Less
CD Rates (Share Certificate Rates) APY MIN MAX
3 Mo CD
0.20% $500 - Learn MoreShow Less
6 Mo CD
0.25% $500 - Learn MoreShow Less
12 Mo CD
0.45% $500 - Learn MoreShow Less
18 Mo CD
0.55% $500 - Learn MoreShow Less
30 Mo CD
0.75% $500 - Learn MoreShow Less
36 Mo CD
1.00% $500 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
0.15% $25 - Learn MoreShow Less

Loan Rates - December 11, 2019

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for ULSTER

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: MC-3098
3.625% 3.625% -0.13 ($362) $1,141 Learn More
Rocket Mortgage
NMLS ID: 3030
4.919% 4.875% 0.00 $1,250 $1,324 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
5.034% 4.990% 0.00 $1,250 $1,341 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
3.740 %
$0 Learn More
More Info
Atlantic Union Bank
Atlantic Union Bank
4.750 %
$15,000 Learn More
More Info

Note to ULSTER
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Below are Ulster branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:

Ulster Locations

Financial Details

Ulster Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Ulster. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Ulster U.S. Average
6.10% 5.86

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of June 30, 2019, Ulster had $343,831 in non-current loans and $387,401 in owned assets. To cover these potential losses it had $11,067,400 in net worth and $916,559 in loans loss reserves. That gives it a Texas Ratio of 6.10%.

Net Worth
Ulster U.S. Average
8.26% 13.65%

Ulster FCU has a net worth of 8.26% versus the BestCashCow average of 13.65. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Ulster

Branches and Savings

What is Ulster?

A federal credit union, registered with the NCUA under certificate #21694.
Learn more about credit unions here.

Is Ulster FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join Ulster?

Please see Field of Membership information above for information on who is eligible to join.

What are Ulster's share account and share certificate rates?

Ulster's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Ulster?

Ulster has total capital of $11.07 million. Full information on Ulster's financial position is located above.

Who owns Ulster?

Credit Unions are owned by their members.

Where are Ulster branches located?

See branch locations nearby.

Are Ulster ATMs Open 24/7?

Do Ulster ATMs accept cash deposits?

Can Ulster customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Ulster have a mobile app?

Does Ulster have mobile deposit?

Does Ulster have quick pay?

How can Ulster transfer money to other banks or credit unions?

Does Ulster report to credit bureaus?

Does Ulster use Chexsystems?

Does Ulster use Equifax?

What is Ulster's toll free phone number?

What is Ulster's ACH Routing Number?

What is Ulster's SWIFT code?

Where can I find Ulster's wire transfer form?

What is the Ulster address for deposits?

What Products Does Ulster Offer

Does Ulster offer mortgages?

Compare mortgage rates here.

Does Ulster offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Ulster offer auto and RV loans?

Compare auto loan rates here.

Does Ulster offer student loans or personal loans?

Compare personal loan rates here.

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