Credit union · NCUA insured
Ulster Federal Credit Union Savings Rates
Ulster Federal Credit Union’s best savings rate is 0.10% APY on $10,000, with its Money Market Account. Rates checked October 16, 2026.
How Ulster Federal Credit Union’s savings 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
0.10%APY
- Requires
- None
- Minimum
- $500
- Earns on $10,000 a year
- $10
Money Market Account
Top rate
Self Reliance Financial Federal Credit Union
3.20%APY
- Requires
- None
- Minimum
- $5,000
- Earns on $10,000 a year
- $320
2nd-highest rate
Heritage Financial Credit Union
2.25%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $225
Ulster Federal Credit Union savings score
63
Savings score
Higher than 8% of U.S. banks and credit unions
- $1,000 balance$1,0000.02%
- $10,000 balance$10,0000.10%
- $100,000 balance$100,0000.15%
- QualifiedQualified0.10%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market Account
0.10%APY
No monthly service fee. Tiered rates based on minimum balance / average daily balance. Minimum deposit of $500 to open and earn APY. Dividends paid monthly, calculated on average daily balance. Penalty-free withdrawals.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 – $100,000Average daily balance tier $2,500 - $99,999.99. Minimum deposit to open and earn APY is $500. | 0.10% | $10 | Average daily balance tier $2,500 - $99,999.99. Minimum deposit to open and earn APY is $500. |
| $100,000 – $200,000Average daily balance tier $100,000 - $199,999.99. Minimum deposit to open and earn APY is $500. | 0.15% | — | Average daily balance tier $100,000 - $199,999.99. Minimum deposit to open and earn APY is $500. |
| $200,000 – $300,000Average daily balance tier $200,000 - $299,999.99. Minimum deposit to open and earn APY is $500. | 0.20% | — | Average daily balance tier $200,000 - $299,999.99. Minimum deposit to open and earn APY is $500. |
| $300,000 – $400,000Average daily balance tier $300,000 - $399,999.99. Minimum deposit to open and earn APY is $500. | 0.25% | — | Average daily balance tier $300,000 - $399,999.99. Minimum deposit to open and earn APY is $500. |
| $400,000 and upAverage daily balance tier $400,000+. Minimum deposit to open and earn APY is $500. | 0.30% | — | Average daily balance tier $400,000+. Minimum deposit to open and earn APY is $500. |
Sources (3)
- ulsfedcu.org/accounts/personal-savings
- ulsfedcu.org/accounts/personal…oney-market-account.html
- ulsfedcu.org/rates.html
All captured Oct 5, 2026
Member Savings Account
0.02%APY
Key to membership at Ulster FCU. Requires maintaining a minimum balance of $1.00.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upDividends paid quarterly on balances of $100.00 or more.$100 and up | 0.02% | $2 | Dividends paid quarterly on balances of $100.00 or more. |
Sources (3)
- ulsfedcu.org/accounts/personal-savings
- ulsfedcu.org/accounts/personal…ber-savings-account.html
- ulsfedcu.org/rates.html
All captured Oct 5, 2026
Special-purpose accounts
Club Accounts
0.02%APY
Includes Vacation Club and Holiday Club account options.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upDividends paid on balances of $100.00 or more. No minimum balance required to maintain account.$100 and up | 0.02% | $2 | Dividends paid on balances of $100.00 or more. No minimum balance required to maintain account. |
Sources (3)
- ulsfedcu.org/accounts/personal-savings
- ulsfedcu.org/accounts/personal…vings/club-accounts.html
- ulsfedcu.org/rates.html
All captured Oct 5, 2026
Individual Retirement Accounts (IRAs) - IRA Savings
0.02%APY
Available in Traditional and Roth IRA savings options. Must be eligible for membership and open a Member Savings Account of at least $1.00.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upPays monthly dividends. No annual fees. Minimum balance of $25.$25 and up | 0.02% | $2 | Pays monthly dividends. No annual fees. Minimum balance of $25. |
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.