--- title: "Ulster Credit Union: #1 Mortgage in New York" description: "Ulster Credit Union has the lowest tracked 30-year fixed mortgage rate in New York (6.54% APR) among 35 credit unions we verify. Ulster Credit Union rates today: 30 year fixed mortgage 6.54% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join Ulster Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/new-york/ulster" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Ulster Credit Union: #1 Mortgage in New York ### Mortgage rates 7 offers | Product | Published | Rate | Term / condition | Status | | **VA 30 Year Fixed - Conforming** 30 year fixed | 6.535% APR | 6.375% | — | Standard | | **30-Year Fixed** 30 year fixed | 6.662% APR | 6.500% | — | Standard | | **FHA 30-Year Fixed - Conforming** 30 year fixed | 6.948% APR | 6.250% | — | Standard | | **Jumbo 30-Year Fixed** 30 year fixed | 7.225% APR | 7.125% | — | Standard | | **15-Year Fixed** 15 year fixed | 6.387% APR | 6.125% | — | Standard | | **Jumbo 15-Year Fixed** 15 year fixed | 7.663% APR | 7.500% | — | Standard | | **20-Year Fixed** 20 year fixed | 6.586% APR | 6.375% | — | Standard | Ulster Credit Union mortgage rates as of November 12, 2026 As of November 12, 2026, Ulster Credit Union offers a 30-year fixed mortgage at 6.535% APR. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/new-york/ulster) , verified from [Ulster Credit Union's official website](https://www.ulsfedcu.org/services-tools/account-services/online-banking-bill-pay.html) Best product position **#1 of 35** 30-year fixed mortgage Gap to state best **0 bp** State market leader Vs. state median **69 bp better than median** 30-year fixed mortgage Products ranked **1** across tracked New York markets | Product | Published APR | Position | Vs. state best | Vs. state median | | 30-year fixed mortgage | 6.54% | #1 of 35 · lowest in New York | State market leader | 69 bp better than median | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim Ulster Credit Union's profile to see the full product-by-product breakdown, how the gap to the state best has moved over time, and the near-misses where a small change would move you up. [See the full breakdown →](https://rateapi.dev/for-credit-unions/claim?cu=ulster&state=new-york&code=NY&name=Ulster%20Credit%20Union) Loading branch locator… ## About Ulster Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 7K Assets $176.9M Founded 1974 Locations reported 5 NCUA charter 21694 Charter type Federal credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Hudson Valley** Kingston · Lake Katrine · NY · 12449 About 1.1 miles away](https://rateapi.dev/credit-unions/new-york/hudson-valley) [**Mid-Hudson Valley** Credit Union Center · Kingston · NY · 12401 About 2.0 miles away](https://rateapi.dev/credit-unions/new-york/mid-hudson-valley) [**Teg** Hyde Park Office · Hyde Park · NY · 12538 About 14.7 miles away](https://rateapi.dev/credit-unions/new-york/teg) [**Heritage Financial** Heritage Financial CU · New Paltz · NY · 12561-1352 About 17.1 miles away](https://rateapi.dev/credit-unions/new-york/heritage-financial) [**Sunmark** Hudson · Hudson · NY · 12534 About 21.6 miles away](https://rateapi.dev/credit-unions/new-york/sunmark) [**Greylock** Greenport/Hudson · Hudson · NY · 12534 About 24.1 miles away](https://rateapi.dev/credit-unions/massachusetts/greylock) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Ulster Credit Union Membership eligibility from Ulster Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Ulster Credit Union's website. Check the membership page below to confirm whether you qualify. - Location ulster — NY Verified from [Ulster Credit Union's membership page](https://www.ulsfedcu.org/about-us/member-benefits/become-a-member.html) . Final membership determination is always made by the credit union. ## Membership rules for Ulster Credit Union Geography 1 county · Family 2 7 published paths to membership, last verified August 27, 2026, quoted from Ulster Credit Union’s own published criteria. ### Geography 1 Auto-verified against the source page from the credit union’s published criteria and NCUA charter records · last verified August 27, 2026 - Ulster County, NY “NCUA call report 2026-03-31: TOM_CODE=00 (community charter); branch footprint: Ulster County, NY; Salt Lake County, UT” > [source ↗](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) ### Family 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Family of a member spouse, children, grandchildren, siblings, parents, grandparents, household member “Members’ families, including spouse, children, grandchildren, siblings, parents, grandparents, and members of the immediate household, regardless of where they live.” > [source ↗](https://www.ulsfedcu.org/about-us/member-benefits/become-a-member.html) - Family member (spouse, children, grandchildren, siblings, parents, grandparents, household member) of a member - Family of a member spouse, child, grandchild, sibling, parent, grandparent, household member “Members’ families, including spouse, children, grandchildren, siblings, parents, grandparents, and members of the immediate household, regardless of where they live.” > [source ↗](https://www.ulsfedcu.org/about-us/member-benefits/become-a-member.html) - Family member (spouse, child, grandchild, sibling, parent, grandparent, household member) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Ulster Credit Union? Yes No ## Work at Ulster Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Ulster Credit Union ranks against New York peers. - See which AI assistants fetched Ulster Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in New York - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=ulster&state=new-york&code=NY&name=Ulster%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Ulster Credit Union offer? Ulster Credit Union currently offers mortgage rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Ulster Credit Union rates updated? RateAPI verifies Ulster Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Ulster Credit Union's rate data? Rate data is collected directly from Ulster Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is Ulster Credit Union's mortgage rate? As of November 12, 2026, Ulster Credit Union offers a 30-year fixed mortgage at 6.535% APR. ### Who can join Ulster Credit Union? Ulster Credit Union publishes its membership criteria on its own website. RateAPI tracks 7 published membership paths covering 1 county for Ulster Credit Union, each quoted from Ulster Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Ulster Credit Union's rates against national credit-union benchmarks. [More New York credit unions](https://rateapi.dev/credit-unions/new-york) [New York mortgage rate leaders](https://rateapi.dev/mortgage-rates/new-york) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.ulsfedcu.org/services-tools/account-services/online-banking-bill-pay.html) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Ulster Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when New York credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Ulster Credit Union curl "https://api.rateapi.dev/credit-unions/new-york /ulster " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Ulster Credit Union locations Search, filter, and browse all 5 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/new-york/ulster Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp