Credit union · NCUA insured
Ulster Federal Credit Union CD Rates
Ulster Federal Credit Union’s best CD rate is 3.50% APY on a 14-month share certificate (CD). Terms run from 3 months to 3 years. Rates checked October 16, 2026.
How Ulster Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Kingston, NY, where Ulster Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Ulster Federal Credit Union
3.50%APY
- Term
- 14 months
- Minimum
- $500
- Earns on $10,000
- $410
Share Certificates
Top rate
Rhinebeck Bank
4.40%APY
- Term
- 24 months
- Minimum
- $2,000
- Earns on $10,000
- $899
2nd-highest rate
TEG Federal Credit Union
4.35%APY
- Term
- 36 months
- Minimum
- $500
- Earns on $10,000
- $1,363
Ulster Federal Credit Union CD score
66
CD score
Higher than 17% of U.S. banks and credit unions
- 3–8 months3–8 mo0.15%
- 9–15 months9–15 mo3.50%
- 16–30 months16–30 mo2.00%
- 31–60 months31–60 mo2.50%
- QualifiedQualified3.50%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Ulster Federal Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share Certificates
Up to 3.50%APY · 7 terms
Penalty for early withdrawal. Minimum opening deposit of $500.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsRates subject to change without notice. Penalty for early withdrawal | 0.10% | $2 |
| 6 monthsRates subject to change without notice. Penalty for early withdrawal | 0.15% | $7 |
| 12 monthsRates subject to change without notice. Penalty for early withdrawal | 1.50% | $150 |
| 14 monthsShare Certificate Special. Rates subject to change without notice. Penalty for early withdrawal | 3.50% | $410 |
| 18 monthsRates subject to change without notice. Penalty for early withdrawal | 2.00% | $301 |
| 30 monthsRates subject to change without notice. Penalty for early withdrawal | 2.00% | $508 |
| 36 monthsRates subject to change without notice. Penalty for early withdrawal | 2.50% | $769 |
Sources (3)
- ulsfedcu.org/accounts/personal-savings
- ulsfedcu.org/accounts/personal…/share-certificates.html
- ulsfedcu.org/rates.html
All captured Oct 5, 2026
Special-purpose accounts
IRA Certificates
Up to 2.50%APY · 6 terms
Available in Traditional and Roth IRA accounts. Penalty for early withdrawal. Must be eligible for membership and become a member by opening a Member Savings Account of at least $1.00.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsRates subject to change without notice. Penalty for early withdrawal. No annual fees | 0.10% | $2 |
| 6 monthsRates subject to change without notice. Penalty for early withdrawal. No annual fees | 0.15% | $7 |
| 12 monthsRates subject to change without notice. Penalty for early withdrawal. No annual fees | 1.50% | $150 |
| 18 monthsRates subject to change without notice. Penalty for early withdrawal. No annual fees | 2.00% | $301 |
| 30 monthsRates subject to change without notice. Penalty for early withdrawal. No annual fees | 2.00% | $508 |
| 36 monthsRates subject to change without notice. Penalty for early withdrawal. No annual fees | 2.50% | $769 |
Sources (3)
- ulsfedcu.org/accounts/personal-savings
- ulsfedcu.org/accounts/personal…ement-accounts-iras.html
- ulsfedcu.org/rates.html
All captured Oct 5, 2026
Who can join Ulster Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works, worships, or attends school in Ulster County, New York.
Employers and groups
- Membership is open to businesses and other legal entities in the Ulster County community.
Family and household
- Membership extends to members' families—including spouse, children, grandchildren, siblings, parents, grandparents, and members of the immediate household—regardless of where they live.
Cost to join
- A deposit of $1.00 is required for the member savings account upon opening an account.
Membership information collected October 5, 2026.