Award Winning Bank | Member FDIC | Commercial Loans | Full Service Banking

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Bank on Something Better!

Ulster Savings Bank is an award-winning, mutual
bank with a legacy of moving our community forward for 175 years.

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Qualify for a $750 Homebuyer Credit with US

Join US for our Homebuyer Online Webinar on Thursday, April 30, 2026, at 5:30pm. You will get an in-depth overview on how to prepare for your mortgage application, including learning the terminology and the process for qualifying for your dream home. Receive a $750* Homebuyer Credit for participating. *Certain conditions apply.

We’ve got a 5.990% five-year home equity loan rate (6.190% APR*) to help finance your next home improvement project.

*APR=Annual Percentage Rate. Click for more details

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Your Business Deserves the Best in Banking

We are an award-winning bank recognized for service, safety, reliability, community impact, and a great place to work. We offer your businesses personalized, smart solutions all under one roof. Switch to a bank where your business matters.

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Ready to Feel More Confident About Your Finances? Join US!

We're hosting a series of fun, welcoming, in-person Financial Literacy Workshops designed to help you feel more confident about your finances. You'll gain practical tips, easy-to-use tactics, and real-life strategies to manage your finances and start saving smarter. Sessions are offered in both English and Spanish, and participants can receive a $100* Bonus. Come learn, connect, and take a positive step toward your financial future!

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Take Control of Your Finances with the Budget Bundle

Introducing the Budget Bundle, your path to financial confidence. A simple, all-in-one solution to help you build healthy spending habits, save for the future, and handle life’s surprises with confidence. Organize your money effortlessly with an account that pays bills, an account for spending, and a savings account.

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Cover What Matters Most

Our full-service insurance team will work closely with you to assess your situation, explore options, and tailor-fit a solution to meet your personal needs. With a broad range of insurance solutions from many of America’s
most reputable insurance carriers, it’s easy to find affordable options.

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Business line of credit in Kingston, NY | Ulster Savings Bank

Business Loans

As a business owner, we know you’re always looking for new opportunities to expand and grow your business. Ulster Savings has flexible financing options to help you figure out everything from acquiring a business to purchasing a new building, equipment or funding seasonal working capital.

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For Protection and Peace of Mind

You’ve worked hard to build your business and it’s important to protect your company with affordable, comprehensive insurance. Our insurance team will work closely with you to assess your situation, explore options, and tailor-fit a solution to meet your business needs.

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Dream It. Plan It. Do It.

Start your financial growth with us. We offer many financial planning services including wealth management, retirement planning, investing and life insurance. If you have the dream our experienced registered representatives can help you plan it.

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