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Ulster Federal Credit Union is a non-profit association of member owners whose goal is to provide a variety of financial services that feature benefits and advantages over those generally available from other banking sources and to encourage their use with the specific intent of helping our members improve their personal financial status.

Our non-profit structure enables us to return excess income to our membership. Members that save at the credit union provide the money for those that wish to borrow. The interest derived from those loans is used to pay dividends on member’s savings accounts. Members can therefore save and borrow at fair rates.

Members have the ultimate authority at Ulster Federal Credit Union with the “One Member-One Vote” concept. We have no shareholders that profit more than anyone else and all members have an equal voice with no single member having more influence than another.
Members elect our Board of Directors, all of whom are members of the credit union and serve without compensation. The Board of Directors establishes policy and sets the strategic direction of the credit union. Richard A. Mantey, President/CEO since 1994, directs the professional staff and reports to the Board of Directors.

The National Credit Union Administration (NCUA) is an agency of the U.S. Government and insures each member savings account up to $250,000. Ulster Federal Credit Union is a federally chartered credit union and falls under the regulatory authority of the NCUA.

Mary R. Bishop

Linda Combs Akins

John Mizerak

Dolores Miller

Richard Moore

Judith Hansen

Steve Milton

Dennis Pitcock

Pat Berardi


Board of Directors
2009 – 2010

Mary Bishop – Chairperson of Board
Linda Combs Akins – 1st Vice Chair
John Mizerak – 2nd Vice Chair
Dolores Miller – Treasurer
Richard Moore – Secretary
Judith Hansen
Steve Milton
Dennis Pitcock
Pat Berardi

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