Ulster Savings Bank - Nationwide Branches

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Branch	Address	View Lobby Hours
Poughkeepsie Branch	39 Burnett Blvd, Poughkeepsie, NY 12603	View Lobby Hours
Red Hook Branch	7296 South Broadway, Red Hook, NY 12571	View Lobby Hours
Poughkeepsie Ii Branch	Beechwood Avenue And South Road, Poughkeepsie Township, NY 12601	View Lobby Hours
Woodstock Branch	68 Mill Hill Road, Woodstock, NY 12498	View Lobby Hours
Phoenicia Branch	58 Main Street, First Floor, Phoenicia, NY 12464	View Lobby Hours
Stone Ridge Branch	3857 Main Street, Stone Ridge, NY 12484	View Lobby Hours
New Paltz Branch	226 Main Street, New Paltz, NY 12561	View Lobby Hours
Gardiner Branch	2201 Route 44/55, Gardiner, NY 12525	View Lobby Hours
Wall Street Branch	280 Wall Street, Kingston, NY 12401	View Lobby Hours
Wappingers Falls Branch	1387 Route 9, Wappingers Falls, NY 12590	View Lobby Hours
Ulster Savings Bank	180 Schwenk Drive, Kingston, NY 12401	View Lobby Hours
Saugerties Branch	1 Twin Maples Plaza, Route 9-W, Saugerties, NY 12477	View Lobby Hours
Newburgh Office Branch	1208 Route 300, Newburgh, NY 12550	View Lobby Hours
Lake Katrine Branch	1571 Ulster Avenue, Lake Katrine, NY 12449	View Lobby Hours

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Featured - 30 Year Fixed Mortgage Rates 2025

Lender	APR	Rate (%)	Monthly Payment	Learn More
NMLS ID: 2578474	6.240%	6.125% 0.88 points $3,930 fees	$1,945	Learn More
NMLS ID: 1025894	6.460%	6.375% 0.63 points $2,847 fees	$1,997	Learn More
NMLS ID: 6606	6.568%	6.490% 0.75 points $2,592 fees	$2,021	Learn More
NMLS ID: 3030	7.576%	7.500% 0.75 points $2,400 fees	$2,238	Learn More

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Featured - Home Equity Line Of Credit Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
Third Federal Savings and Loan See Table	Intro APR 6.990 % After Intro: 6.990 %	$0	Learn More More Info
Conditions… Variable APR of Prime minus 1.01% in all states. Min loan amount $10,000. Max loan amount $200,000. 30-year term. Annual fee waived for the first year. See conditions for guarantee at thirdfederal.com. Third Federal rate are typically 20% lower than other leaders Guaranteed Lowest Rate No closing costs, prepayment penalties, or minimum draw requirements 10 year draw period
Figure Home Equity See Table	Intro APR 7.250 % After Intro: 7.250 %	$15,000	Learn More More Info
Available APRs range from 6.60% - 14.15*, which includes the payment of a higher origination fee in exchange for a reduced interest rate, which is not available to all applicants or in all states.(the advertised APR includes a combined 0.25% discount for opting into a credit union membership (0%) and enrolling in autopay (0.25%) as well as payment of higher origination fee in exchange for a reduced rate, which is not available to all applicants or in all states). The lowest APRs are only available to the most qualified applicants, depending on credit profile and the state where the property is located, and those who also select five year loan terms; APRs will be higher for other applicants and those who select longer loan terms. Rates change frequently so your exact APR will depend on the date you apply. APRs for home equity lines of credit do not include costs other than interest. You will be responsible for an origination fee of up to 4.99% of your initial draw, depending on the state in which your property is located and your credit profile. You may also be responsible for paying the costs of valuation if an AVM is not available for your property ($180), manual notarization if your county doesn’t permit eNotary ($380), and recording fees ($0 - $315) and recording taxes, which vary by state and county ($0-$1,400 per one hundred thousand dollars borrowed). Property insurance is required as a condition of the loan and flood insurance may be required if your property is located in a flood zone. Flexible terms, borrow $15K-$400K, redraw up to 100% Use to consolidate debt or finance your next home project 100% digital app & automated valuation Largest non-bank HELOC lender in the US

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