Ulster Credit Union Kingston NY | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to Ulster, your trusted community credit union located at 807 Ulster Ave, Kingston, NY 12401. Since our establishment in 1974, we have been dedicated to serving our members with personalized financial solutions and a commitment to excellence. With a strong membership base of 7,178 individuals and total assets amounting to an impressive $156,565,064, we pride ourselves on providing a secure and supportive banking environment. At Ulster, we understand the importance of building lasting relationships within our community. Our team, led by CEO William Querbes and Board President John Mizerak, works diligently to offer a wide range of services tailored to meet your needs. Whether you're looking for personal banking options like checking accounts, auto loans, or credit cards with rewards, or you need business banking solutions such as merchant services and business loans, we have you covered. Your financial journey is important to us. That's why we maintain a robust net worth of $16,385,628 and ensure that our members' deposits are safeguarded currently totaling $13,403,195. With cash reserves of $1,484,762, you can trust that your funds are in good hands. While members can visit us at our Kingston branch for all their banking needs, official correspondence should be sent to our mailing address: PO Box 2310, Kingston, NY 12402. We invite you to explore our website at ulsfedcu.org for more information about our offerings and how we can help you achieve your financial goals. If you're ready to experience a credit union that truly cares about its members, don't hesitate to reach out! Call us at 845-339-3394 or stop by during our operating hours: Monday through Friday from 8:00 AM to 5:00 PM and Saturday from 8:30 AM to 1:00 PM. Join the Ulster family today and let us support you every step of the way!

Branch History & Mission

Join Us

As we look ahead to the future, we invite you to join us on this journey. Experience the benefits of being a member at Ulster where your financial well-being is our top priority. Whether you're looking for personal loans or business banking options, we are here to help you achieve your goals. For more information about becoming a member or learning more about what we offer, please call us at 845-339-3394 or visit our website at ulsfedcu.org. Together, let's build a brighter future for Kingston!

Our Mission

At Ulster, our mission is clear: we strive to empower our members through exceptional financial services while actively supporting local initiatives. We believe in the power of community and work diligently to give back through various outreach programs and partnerships with local organizations. Every member who joins us becomes part of this mission together, we can make a difference. While members can visit us at 807 Ulster Ave Kingston NY 12401, official correspondence should be sent to PO Box 2310, Kingston, NY 12402 if needed. Our team is here for you during regular operating hours: Monday through Friday from 8:00 AM to 5:00 PM, and Saturday from 8:30 AM to 1:00 PM with drive-thru services available for added convenience.

Our Story

Nestled at 807 Ulster Ave Kingston NY 12401, Ulster has a rich legacy that reflects the values of trust, integrity, and service. Since we opened our doors nearly five decades ago, we have continuously evolved to meet the changing needs of our members. With a total asset base of $156,565,064, we pride ourselves on stability and security, ensuring that our members' funds are managed with the utmost care. Over the years, Ulster has embraced modern banking practices while staying true to our roots. We offer various services, including personal banking, auto loans, mortgages, credit cards with rewards, and business banking solutions. Our commitment to innovation means you can easily access your accounts through online banking and mobile applications. We also ensure that our physical locations are welcoming and ADA compliant for all members of our community.

Branch Location & Accessibility

Get in Touch

Feel free to reach out to us at (845) 339-3394 if you have any questions or need assistance. Our dedicated team is ready to help you with whatever you need. We invite you to visit us at the Ulster branch and experience the friendly service that sets us apart!

Operating Hours

Our doors are open Monday through Friday from 8 AM to 5 PM, making it convenient for you to stop by before or after work. On Saturdays, enjoy our drive-thru service from 8:30 AM until 1 PM for those quick transactions without leaving your vehicle.

Parking and Accessibility

At our Kingston branch, you'll find ample parking available right outside. We strive to ensure that everyone can visit us comfortably; our facility is designed with ADA compliance in mind, featuring ramps and accessible entrances.

Services Offered

At Ulster Federal Credit Union, we offer a variety of services tailored to meet your banking needs. From personal checking and savings accounts to auto loans and mortgage refinancing, we're here to help you manage your finances effectively. If you're looking for business banking solutions or simple transactions through our drive-thru service, we've got you covered!

Member Eligibility

At Ulster, we believe that everyone deserves to be part of a supportive financial community. Becoming a member is easier than you might think! If you live, work, worship, or go to school in Ulster County, you're already eligible to join us. Our friendly team at Ulster welcomes individuals from all walks of life. By joining, you'll gain access to a variety of benefits including competitive rates on loans and savings accounts, personalized service, and community-focused programs that truly make a difference. To explore the detailed eligibility criteria or get started on your membership journey, visit us at https://www.ulsfedcu.org/about-us/member-benefits/become-a-member.html. If you have any questions or need assistance, don't hesitate to call us at (845) 339-3394. We're excited to help you take the first step towards becoming a valued member of our family right here at 807 Ulster Ave Kingston Ny 12401!

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 having the tools to simplify transactions while enhancing customer satisfaction. Our merchant services do just that! By offering convenient payment options and reliable support, we empower local businesses to thrive in today's fast-paced market. From credit card processing to online payment solutions, we've got you covered. Located at 807 Ulster Ave Kingston Ny 12401 in Kingston, NY, we're here to provide personalized service and guidance every step of the way. Reach out to us at (845) 339-3394 to explore how we can assist your business today!

Comprehensive List Of Services

Additional Services

To ensure we meet all of our members' needs, we also provide basic drive-thru banking services for quick deposits and withdrawals. While we currently do not have ATM facilities at our branch, our drive-thru service offers an efficient alternative for simple transactions. If you're ready to explore these services further or have any questions about how we can assist you in achieving your financial goals, don't hesitate to reach out! Call us at (845) 339-3394 or visit us at Ulster Avenue today! Let us help you take the next step toward financial success together!

Business Banking

For business owners, we provide comprehensive banking services including merchant services and business loans. Our dedicated team understands the challenges of running a business and is here to help you navigate them with ease.

Credit Cards with Rewards

With our credit cards offering rewards, spending can become even more rewarding! Earn points on purchases that can be redeemed for travel, merchandise, and more all while enjoying the convenience of cashless transactions.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why Ulster offers robust online and mobile banking solutions. From checking balances to transferring funds or making payments through mobile apps, managing your finances has never been easier. You can also enjoy secure person-to-person payment options right from your phone!

Mortgage Solutions

For those ready to buy a home or refinance their current mortgage, our mortgage loans provide tailored solutions to suit various budgets and needs. We guide you through the process, ensuring you understand each step as you make one of life's biggest investments.

Personal Banking

Our personal banking options include checking and savings accounts designed to fit your lifestyle. Imagine having easy access to your funds while earning interest on your savings. At Ulster, we offer competitive rates and user-friendly online banking services so you can manage your money anytime, anywhere.

Personal Loans & Debt Management

If you're considering consolidating debt or need a little extra cash for unexpected expenses, our personal loans can help you achieve your goals. We work with you to find a solution that fits your financial situation, allowing for manageable payments over time.

Vehicle Financing

Thinking about getting a new car? Our auto loans and vehicle financing options make it easier than ever to drive off in the vehicle you want. With flexible terms and competitive rates, we ensure that financing your next vehicle is straightforward and stress-free.

Digital & Online Banking

Key Features for Your Convenience

With our online banking platform, you can enjoy real-time account management right at your fingertips. Need to send money to a friend? Use our person-to-person transfer feature for quick and easy transactions. Looking to simplify your payments? Our mobile payments feature lets you pay directly from your smartphone with ease. We also provide electronic signature authorization, allowing you to sign documents securely without needing to visit the branch. Plus, with e-statements available, you can keep track of your finances while reducing paper clutter. It's all about making banking simpler for you!

Security and User-Friendliness

Your security is our priority. Our digital banking services are equipped with advanced security measures to protect your information while ensuring a user-friendly experience. Whether you're using our mobile application or logging in through the website, rest assured that your data is safe. With these features, accessing your accounts and managing your finances has never been easier or more convenient. At Ulster, we're committed to providing accessible banking solutions that fit seamlessly into your lifestyle. Experience the convenience of modern banking today!

Financial Strength

Commitment to Growth

Our $15,161,304 in undivided earnings reflects our commitment to reinvesting in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. With $441 in used auto loans and $44,065,420 in total loans and leases, our lending capacity supports your financial goals across various sectors.

Member Trust

With a total of 16,514 share accounts, we have built a strong and growing member base that trusts us with their finances. Our net shares available for lending stand at $0, reinforcing our ability to support your needs when it matters most. 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 807 Ulster Ave Kingston Ny 12401 or call (845) 339-3394 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Operational Efficiency

Our $274,092 indicates 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 dedicated to serving you with a knowledgeable team.

Secure Savings Options

Your savings are secure with us. We hold $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.

Solid Financial Health

With a net worth of $16,385,628, we maintain robust 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. This ensures that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry. We have already provided over $6,012,406 in used vehicle loans and $3,314,659 in new vehicle loans, helping members get on the road with confidence. Whether you're interested in financing a brand-new model or a reliable used car, we have options that can fit your budget.

Business Financing

For business owners, we also provide outstanding commercial loans totaling $297,734. These loans are designed to give you the capital needed to grow and expand your business operations without unnecessary hurdles.

Credit Lines

If you need extra flexibility, consider our credit lines with a total availability of $8,000,000. These lines of credit can provide peace of mind knowing you have funds available for unexpected expenses or opportunities. At Ulster, we're dedicated to providing accessible loan options while ensuring you feel supported throughout the borrowing process. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. For any questions about eligibility or refinancing options, feel free to reach out to us at (845) 339-3394 or visit us at 807 Ulster Ave Kingston Ny 12401 in Kingston, NY. Let us help you navigate your financial journey today!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $6,526,156, allowing you to take the next step toward owning your dream home. If you're considering refinancing an existing mortgage, our team is ready to guide you through the process and help you find the best rates available.

Unsecured Credit Card Loans

Managing day-to-day expenses can be easier with our 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 features that can simplify your spending and reward you for using them.

Loan Aggregator

Benefits of Using LendMesh

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Ensuring Accurate Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This rigorous sourcing ensures that the offers presented are both fair and transparent.

ULSTER FEDERAL CREDIT UNION - Kingston, NY

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