ULSTER

Headquarters

PO BOX 2310
Kingston, NY 12402
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.05% 1.05% →
1-Year CD 0.45% 1.05% →
2-Year CD N.A. 1.11% →
5-Year CD N.A. 1.56% →
30-Year Mortgage N.A. 2.88% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Credit Union Information

Ulster is an NCUA insured institution located in Kingston, NY. It was founded in 1974 and has approximately $134.9 millions in assets.

NCUA Insured Yes
Charter Number # # 21694
Date Established 1974
Assets $134.90 million
Loans $40.43 million
Deposits $122.53 million
Capital $11.48 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 - August 15, 2020

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Savings
0.05% $2,500 $4,999 Learn More
Money Market
0.15% $2,500 $2,999 Learn More
Money Market
0.15% $10,000 $14,999 Learn More
Money Market
0.15% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
3 Mo CD
0.20% $10,000 $14,999 Learn More
3 Mo CD
0.20% $100,000 $199,999 Learn More
6 Mo CD
0.25% $10,000 $14,999 Learn More
6 Mo CD
0.25% $100,000 $199,999 Learn More
12 Mo CD
0.45% $10,000 $14,999 Learn More
12 Mo CD
0.45% $100,000 $199,999 Learn More
18 Mo CD
0.55% $10,000 $14,999 Learn More
18 Mo CD
0.55% $100,000 $199,999 Learn More
30 Mo CD
0.75% $10,000 $14,999 Learn More
30 Mo CD
0.75% $100,000 $199,999 Learn More
36 Mo CD
1.00% $10,000 $14,999 Learn More
36 Mo CD
1.00% $100,000 $199,999 Learn More

Loan Rates - August 15, 2020

Your Current Location: Connecticut, CT 06828

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 - Connecticut 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: 13256
2.914% 2.875% 0.50 $1,250 $1,038 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
2.990 %
$0 Learn More
More Info

Note to ULSTER
To upload and update your bank's rates please register. It is free to register and add rates.



Branches

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:
Fairfield,Connecticut


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
8.65% 6.71

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 March 30, 2020, Ulster had $696,850 in non-current loans and $387,401 in owned assets. To cover these potential losses it had $11,484,377 in net worth and $1,046,344 in loans loss reserves. That gives it a Texas Ratio of 8.65%.

Net Worth
Ulster U.S. Average
8.51% 13.61%

Ulster FCU has a net worth of 8.51% versus the BestCashCow average of 13.61. 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 $11.48 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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