CD Rates

Term Minimum Balance to Open and Earn APY Interest Rate APY*
7 day $2,500 0.10% 0.10%
3 month (91 day) $2,500 0.10% 0.10%
6 month (182 day) $2,500 0.15% 0.15%
7 month TIER I $2,500 3.87% 4.00%
7 month TIER II $50,000.00 - $99,999.99 3.96% 4.09%
7 month TIER III $100,000.00 - $199,999.99 4.01% 4.15%
7 month TIER IV $200,000 or higher 4.05% 4.19%
9 month $2,500 0.25% 0.25%
10 month $2,500 3.84% 3.97%
12 month $2,500 0.25% 0.25%
13 month TIER I $2,500 0.25% 0.25%
13 month TIER II $50,000.00 - $99,999.99 0.25% 0.25%
13 month TIER III $100,000.00 - $199,999.99 0.30% 0.30%
13 month TIER IV $200,000 or higher 0.30% 0.30%
14 month Promo Special^ $500 0.30% 0.30%
15 month $500 4.05% 4.19%
16 month Add-On $500 3.67% 3.79%
18 month $500 0.30% 0.30%
20 month $500 3.87% 4.00%
24 month $500 0.30% 0.30%
30 month $500 3.87% 4.00%
36 month $500 0.39% 0.40%
37 month Promo Special^ $500 0.39% 0.40%
48 month  $500 0.44% 0.45%
5 year $500 0.49% 0.50%
 

Rates Updated 4/23/2025

*APY=Annual Percentage Yield. An annual percentage yield is a percentage rate reflecting the total amount of interest paid on an account, based on the interest rate and the frequency of compounding for a 365-day period or 366-day period during leap years and calculated according to the rules in Appendix A of Regulation DD.

^The 14 and 37 Month Promotional Certificate of Deposit accounts require customers to have or open a checking account with Ulster Savings Bank. This offer is effective from 5/18/2023. Offer not available for non-personal accounts. A penalty may be imposed for early withdrawal. Fees may reduce earnings on the account. Rates are subject to change and offer may be withdrawn at any time.

Any Annual Percentage Yield (APY) provided on our website assumes interest will remain on deposit until maturity for accounts with terms. All certificate of deposit accounts are fixed rate accounts. Fixed rate accounts with specific maturities are in effect until maturity (ie 7 day, 91 day, etc). Fees charged for maintenance or certain transactions on any account may also reduce earnings.

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 penalty may be imposed for early withdrawal and may reduce earnings.
 

24/7 Debit Card Support: 866-440-0392
Calls from 800-262-2024 are from our fraud monitoring provider Enfact.
Back to Top