Ulster Credit Union Kingston NY | Best Auto Loans & Business Banking

Introduction

Welcome to Ulster Credit Union, where community and financial well-being meet. Located at 127 Schwenk Dr, Kingston, NY 12401, we have been serving our members since 1974. With a proud membership of over 7,178 individuals, we are dedicated to providing personalized financial services that help you achieve your goals. At Ulster, we understand the importance of trust and reliability in your financial journey. Our total assets stand at an impressive $156,565,064, demonstrating our solid foundation and commitment to safeguarding your finances. Whether you're looking for checking and savings accounts or need assistance with auto loans and mortgages, our team is here for you. While members can visit us at our branch location, official correspondence should be sent to PO Box 2310, Kingston, NY 12402. Our friendly staff is ready to assist you with any inquiries you may have feel free to reach out at 845-339-5544. Under the leadership of CEO William Querbes and Board President John Mizerak, we prioritize your needs and strive to create a welcoming atmosphere for all our members. With a net worth of $16,385,628 and a cash reserve of $1,484,762, you can rest assured that your finances are in capable hands. Join us today and experience the difference that comes with being part of a credit union that truly cares about its community. Visit our website at ulsfedcu.org to learn more about our services or stop by our branch we can't wait to welcome you!

Branch History & Mission

Commitment to Innovation

As times change, so do we. Ulster embraces technology to enhance your banking experience. We offer online banking, mobile payments, and electronic statements for your convenience. Our drive-thru service allows for quick transactions without leaving your vehicle, ensuring accessibility for everyone.

Community Partnerships

We are dedicated to fostering partnerships that benefit our community. Whether it's through financial literacy workshops or supporting local events, we are committed to making Kingston a better place for all its residents. Join us at Ulster Credit Union and experience the difference that comes from being part of a member-focused institution dedicated to your financial well-being and community prosperity. Together, we can build a brighter future! For more information or to become a member today, give us a call at 845-339-5544 or visit our website at ulsfedcu.org.

Our Growth Story

Since opening our doors at 127 Schwenk Dr, we've seen remarkable growth in both membership and assets, currently holding total assets of $156,565,064. This growth is not just about numbers; it reflects the trust and loyalty of our members who believe in our mission. Over the years, we've expanded our range of services to include personal banking options like checking and savings accounts, auto loans, mortgages, and business banking solutions. We understand that each member's financial journey is unique, and we strive to meet their needs with personalized service.

Our Mission

Our mission at Ulster is simple yet powerful: to empower our members financially while giving back to the community. We aim to provide comprehensive financial solutions that help individuals achieve their goals be it buying a new car or saving for retirement. Beyond offering traditional banking services, we actively engage in community outreach programs that make a difference in the lives of those around us. We believe that by supporting our members and local initiatives, we can foster a stronger and more resilient community. While members can visit us at 127 Schwenk Dr, official correspondence should be sent to PO Box 2310, Kingston, NY 12402.

Branch Location & Accessibility

Operating Hours

Our doors are open Monday through Friday from 8 AM to 5 PM, so you can stop by before or after work. On Saturdays, our drive-thru service runs from 8:30 AM until 1 PM for those quick transactions. Whether you need to make a deposit or inquire about a loan, our friendly staff is here to help during these hours.

Services Offered

At Ulster, we offer a wide array of services including personal banking options like checking and savings accounts, auto loans, mortgage refinancing, and even business banking solutions. Need cash quickly? We have an ATM on-site for your convenience. Plus, with our drive-thru banking service available for deposits and simple transactions, we're here to make your banking experience as smooth as possible. Don't hesitate to reach out! If you have questions or need assistance, give us a call at 845-339-5544. Our team is excited to assist you on your financial journey. Visit us today and discover the difference at Ulster!

Member Eligibility

At Ulster, we believe that becoming a member is like stepping into a welcoming community where you can grow and thrive. If you're looking to join us at our Kingston branch located at 127 Schwenk Dr Kingston Ny 12401, you'll find the process easy and inclusive! Membership is open to anyone who lives, works, or worships in the area, as well as those related to existing members. We love to see new faces and help you access our fantastic range of services designed just for you. Ready to take the next step? Opening an account is straightforward, and our friendly team is here to assist you every step of the way. For more detailed information about eligibility requirements, feel free to visit https://www.ulsfedcu.org/about-us/member-benefits/become-a-member.html. If you have any questions or need assistance, don't hesitate to give us a call at (845) 339-5544. Join us today and experience the advantages of being part of Ulster!

Business Banking & Commercial Services

Business Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $1 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $20 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $297,734, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

Imagine being able to accept payments effortlessly while managing your cash flow with ease. Our merchant services do just that! From credit card processing to online payment solutions, we help streamline transactions so you can focus on what matters most growing your business. Located at 127 Schwenk Dr Kingston Ny 12401 in Kingston, NY, we invite you to explore how our tailored solutions can empower your business today. For more information, call us at (845) 339-5544 or visit our website at https://www.ulsfedcu.org/.

Comprehensive List Of Services

Business Banking Solutions

At Ulster, we also support local businesses with comprehensive banking solutions. From merchant services that make transactions smoother to business loans that fuel growth, we're committed to helping entrepreneurs thrive in our community.

Convenience at Your Fingertips

We know convenience matters. That's why we offer ATM services for quick cash withdrawals and balance checks right when you need them. For those who prefer face-to-face interactions, our basic drive-thru banking lets you handle deposits, withdrawals, and simple transactions without leaving your car. Whether you're in need of personal or business financial solutions, Ulster is here for you every step of the way. Our team is ready to assist from Monday through Friday during lobby hours and on Saturdays for drive-thru service. If you're ready to explore how we can help meet your financial goals or if you have any questions about our services, please don't hesitate to reach out at (845) 339-5544. Visit us at https://www.ulsfedcu.org/ today!

Home Financing

For those looking to buy or refinance a home, our mortgage loans offer competitive rates and personalized service. We work with you to find the best solution tailored to your financial situation, making home ownership more attainable than ever.

Loans and Credit Options

Need extra cash? Our personal loans and debt consolidation services provide flexible options for when life throws unexpected expenses your way. Plus, with credit cards that come with rewards, you can earn as you spend! Whether it's for day-to-day purchases or larger investments, we've got you covered.

Personal Banking

Our personal banking services include checking and savings accounts that fit your lifestyle. Imagine having easy access to your funds anytime through our online and mobile banking platforms. With features like mobile payments and e-statements, managing your money has never been simpler. If you're thinking about purchasing a vehicle, our auto loans and vehicle financing options can help you get behind the wheel without breaking the bank.

Digital & Online Banking

Key Services

Our online banking services are available 24/7 at https://www.ulsfedcu.org/, allowing you to check balances, transfer funds, and pay bills with just a few clicks. Plus, if you're on the go, our mobile application makes it even easier to manage your accounts right from your smartphone. Whether you're making a quick payment or checking your account balance, everything is just a tap away.

Real-Time Management

With all these features combined, managing your finances has never been more straightforward. You can keep track of your spending in real-time, ensuring that you stay on top of your budget. No matter where life takes you, Ulster's digital banking services empower you to handle your finances effortlessly. Experience the convenience of digital banking at Ulster today!

Security and Convenience

Your security is our top priority. With electronic signature authorization available, you can feel confident that your transactions are safe and secure. We also provide e-statements for those who prefer to go paperless keeping your financial information organized and accessible while helping the environment. Need to send money quickly? Our person-to-person transfer feature allows you to send money to friends and family without hassle. And if you're looking to make purchases with ease, our mobile payments option is here to help simplify your transactions.

Financial Strength

Commitment to Growth

With $15,161,304 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity is impressive as well, with $441 in used auto loans and $44,065,420 in total loans and leases supporting our members' financial goals across various sectors.

Growing Trust

Total Share Accounts: 16,514, showing a strong and growing member base that trusts us with their finances. This trust is built on years of dedicated service since our opening in 1974. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Ulster is your trusted partner. Visit us at 127 Schwenk Dr Kingston Ny 12401 or call (845) 339-5544 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings

Members' savings are secured through $13,194,642 in share certificates and $15,573,572 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our $274,092 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 29 full-time employees and 1 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Solid Foundation

With a net worth of $16,385,628, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 10.47% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Additional Services

If you are interested in other types of financing, we also provide credit lines totaling $8,000,000, ensuring that you have access to funds when needed. For business owners, our outstanding commercial loans totaling $297,734 provide the capital needed to grow and expand your business operations. At Ulster, we believe that financial solutions should be accessible to everyone. If you're considering refinancing or exploring eligibility options for any of our products, please reach out! We're here to assist you at every stage of your financial journey. For further information or to speak with one of our knowledgeable representatives, feel free to call us at (845) 339-5544 or visit us at our branch located at 127 Schwenk Dr Kingston Ny 12401 in Kingston, NY. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $6,012,406 in used vehicle loans and $3,314,659 in new vehicle loans already helping members get on the road. Whether you're financing a brand-new vehicle or a reliable used one, our team is here to guide you through each step of the process.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $6,526,156, make buying or refinancing simple. We provide personalized service to help you navigate the mortgage landscape and find the right solution for your needs.

Unsecured Credit Cards

Managing finances can sometimes be challenging. That's why we also offer flexible terms on unsecured credit card loans, with a total of $1,039,833 in loans helping members manage their finances effectively. Our credit cards come with competitive rates and benefits designed to fit your lifestyle.

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ULSTER FEDERAL CREDIT UNION - Kingston, NY

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