What are the current interest rates at Bank of Utica?

Current rates for Bank of Utica include: 60-Month CD: 4.30%, Savings: 2.30%, MMA: 2.20%

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Bank of Utica Rates & Review October 2026

Q: How many branches does Bank of Utica operate?

Bank of Utica currently maintains approximately 1 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Bank of Utica does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Bank of Utica provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 14, 2026

Bank of Utica's top rates as of October 14, 2026 are 4.30% APY on its 5 years 5 Year Certificates of Deposit (CD), 2.30% APY on savings, 2.20% APY on money market accounts, 0.10% APY on checking, and personal loans from 7.00% APR, according to rates verified by MonitorBankRates. Other Bank of Utica CD rates include 5 years 5 Year SEP Pension CD at 4.30%, Certificate of Deposit - 5 years at 4.30%, and Pension CDs (Includes IRA, SEP 401K, ESOP) - 5 years at 4.30%. MonitorBankRates evaluates the financial stability of Bank of Utica with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.23%. Rates last updated and verified on 10/14/2026.

Bank of Utica money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Bank of Utica? Share your experience about Bank of Utica by leaving a review below, or read customer reviews before you decide to use Bank of Utica.

Verified Healthy Q2 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.23%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Bank of Utica

222 Genesee St
Utica, NY 13502

https://www.bankofutica.com

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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

Bank of Utica CD Rates

Product	Rate	APY	Term
5 Year Certificates of Deposit (CD)	4.233%	4.30%	5 years
Min Deposit $1,000 Min Balance $1,000 Details Local Deposits Only - Oneida, Herkimer, Madison, Otsego Counties; Under $100,000; Apply Online; Compounding: Q Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.30% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.23%
5 Year SEP Pension CD	4.233%	4.30%	5 years
Min Deposit $1,000 Min Balance $1,000 Details Local Deposits Only - Oneida, Herkimer, Madison, Otsego Counties; New Customer Limit $3,000,000; Compounding: Q; Pension CDs (Includes IRA, SEP 401K, ESOP) October 1, 2026 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.30% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.23%
Certificate of Deposit - 5 years	4.233%	4.30%	5 years
Min Deposit $1,000 Details Local Deposits Only - Oneida, Herkimer, Madison, Otsego Counties; Under $100,000; Apply Online; Compounding Q; Minimum opening deposit and balance to obtain APY Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.30% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.23%
Pension CDs (Includes IRA, SEP 401K, ESOP) - 5 years	4.233%	4.30%	5 years
Min Deposit $1,000 Min Balance $1,000 Details Local Deposits Only - Oneida, Herkimer, Madison, Otsego Counties; Compounding: Quarterly; New Customer Limit $3,000,000; Subject to Change at Anytime Last Updated 10/14/2026 Rate History 1 change since Sep 18, 2026 · 4.20% → 4.30% ▲ 0.10 pts · high 4.30% / low 4.20% Oct 2, 20264.30%▲ from 4.20% Sep 18, 20264.20%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.23%
4 Year Certificates of Deposit (CD)	4.136%	4.20%	4 years up to 5
Min Deposit $1,000 Min Balance $1,000 Details Local Deposits Only - Oneida, Herkimer, Madison, Otsego Counties; Under $100,000; Apply Online; Compounding: Q Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.20% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.23%
4 Year SEP Pension CD	4.136%	4.20%	4 years up to 5
Min Deposit $1,000 Min Balance $1,000 Details Local Deposits Only - Oneida, Herkimer, Madison, Otsego Counties; New Customer Limit $3,000,000; Compounding: Q; Pension CDs (Includes IRA, SEP 401K, ESOP) October 1, 2026 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.20% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.23%
3 Year Certificates of Deposit (CD)	4.039%	4.10%	3 years up to 4
Min Deposit $1,000 Min Balance $1,000 Details Local Deposits Only - Oneida, Herkimer, Madison, Otsego Counties; Under $100,000; Apply Online; Compounding: Q Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.10% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.23%
3 Year SEP Pension CD	4.039%	4.10%	3 years up to 4
Min Deposit $1,000 Min Balance $1,000 Details Local Deposits Only - Oneida, Herkimer, Madison, Otsego Counties; New Customer Limit $3,000,000; Compounding: Q; Pension CDs (Includes IRA, SEP 401K, ESOP) October 1, 2026 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.10% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.23%
1 Year Certificates of Deposit (CD)	3.942%	4.00%	1 year up to 2
Min Deposit $1,000 Min Balance $1,000 Details Local Deposits Only - Oneida, Herkimer, Madison, Otsego Counties; Under $100,000; Apply Online; Compounding: Q Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.23%
1 Year SEP Pension CD	3.942%	4.00%	1 year up to 2
Min Deposit $1,000 Min Balance $1,000 Details Local Deposits Only - Oneida, Herkimer, Madison, Otsego Counties; New Customer Limit $3,000,000; Compounding: Q; Pension CDs (Includes IRA, SEP 401K, ESOP) October 1, 2026 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.23%
2 Year Certificates of Deposit (CD)	3.942%	4.00%	2 years up to 3
Min Deposit $1,000 Min Balance $1,000 Details Local Deposits Only - Oneida, Herkimer, Madison, Otsego Counties; Under $100,000; Apply Online; Compounding: Q Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.23%
2 Year SEP Pension CD	3.942%	4.00%	2 years up to 3
Min Deposit $1,000 Min Balance $1,000 Details Local Deposits Only - Oneida, Herkimer, Madison, Otsego Counties; New Customer Limit $3,000,000; Compounding: Q; Pension CDs (Includes IRA, SEP 401K, ESOP) October 1, 2026 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.23%
6 Month Certificates of Deposit (CD)	3.942%	4.00%	6 months
Min Deposit $1,000 Min Balance $1,000 Details Term: 6 months up to 1 year; Local Deposits Only - Oneida, Herkimer, Madison, Otsego Counties; Under $100,000; Apply Online; Compounding: Q Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.23%
3 Month Certificates of Deposit (CD)	3.65%	3.70%	3 months up to 6
Min Deposit $10,000 Min Balance $10,000 Details Local Deposits Only - Oneida, Herkimer, Madison, Otsego Counties; Under $100,000; Apply Online; Compounding: Q Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.70% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.23%

Bank of Utica Savings Rates

Product	Rate	APY
Statement Savings	2.277%	2.30%
Min Deposit $100 Min Balance $250 Details Local Deposits Only - Oneida, Herkimer, Madison, Otsego Counties; Apply Online; Compounding: Monthly; Subject to Change at Anytime Last Updated 10/14/2026 Rate History 1 change since Sep 18, 2026 · 2.20% → 2.30% ▲ 0.10 pts · high 2.30% / low 2.20% Oct 2, 20262.30%▲ from 2.20% Sep 18, 20262.20%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.23%
Christmas Club	1.986%	2.00%
Min Deposit $5 Min Balance $5 Details $10,000; Local Deposits Only - Oneida, Herkimer, Madison, Otsego Counties; Compounding: Quarterly; Subject to Change at Anytime Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 2.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.23%
Health Savings	0.996%	1.00%
Min Deposit $1 Min Balance $1 Details Local Deposits Only - Oneida, Herkimer, Madison, Otsego Counties; Compounding: Monthly; Subject to Change at Anytime Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 1.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.23%

Bank of Utica Money Market Rates

Product	Rate	APY
IRA MMA	2.179%	2.20%
Min Deposit $1 Min Balance $1 Details Local Deposits Only - Oneida, Herkimer, Madison, Otsego Counties; Compounding: M; APY paid on first $5 million, 2.00% on balance above $5 million; up to 6 transfers per month, $5 fee per transfer above 6 Last Updated 10/14/2026 Rate History 1 change since Sep 18, 2026 · 2.10% → 2.20% ▲ 0.10 pts · high 2.20% / low 2.10% Oct 2, 20262.20%▲ from 2.10% Sep 18, 20262.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.23%
Personal MMA	2.179%	2.20%
Min Deposit $1,000 Min Balance $1,000 Details Local Deposits Only - Oneida, Herkimer, Madison, Otsego Counties; Apply Online; Compounding: M; APY paid on first $5 million, 2.00% on balance above $5 million; up to 6 transfers per month, $5 fee per transfer above 6 Last Updated 10/14/2026 Rate History 1 change since Sep 18, 2026 · 2.10% → 2.20% ▲ 0.10 pts · high 2.20% / low 2.10% Oct 2, 20262.20%▲ from 2.10% Sep 18, 20262.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.23%
Tax Exempt MMA	2.179%	2.20%
Min Deposit $1,000 Min Balance $1,000 Details Local Deposits Only - Oneida, Herkimer, Madison, Otsego Counties; Compounding: M; APY paid on first $5 million, 2.00% on balance above $5 million; up to 6 transfers per month, $5 fee per transfer above 6 Last Updated 10/14/2026 Rate History 1 change since Sep 18, 2026 · 2.10% → 2.20% ▲ 0.10 pts · high 2.20% / low 2.10% Oct 2, 20262.20%▲ from 2.10% Sep 18, 20262.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.23%

Bank of Utica Business Money Market Rates

Product	Rate	APY	View More
Business MMA	2.179%	2.20%
Min Deposit $1,000 Min Balance $1,000 Details Local Deposits Only - Oneida, Herkimer, Madison, Otsego Counties; Compounding: M; APY paid on first $5 million, 2.00% on balance above $5 million; up to 6 transfers per month, $5 fee per transfer above 6 Last Updated 10/14/2026 Rate History 1 change since Sep 18, 2026 · 2.10% → 2.20% ▲ 0.10 pts · high 2.20% / low 2.10% Oct 2, 20262.20%▲ from 2.10% Sep 18, 20262.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.23%

Bank of Utica Checking Rates

Product	Rate	APY	View More
Personal Checking	0.10%	0.10%
Min Deposit $25 Min Balance $500 Details Local Deposits Only - Oneida, Herkimer, Madison, Otsego Counties; Apply Online; Compounding: M; Minimum Average Available Balance to Obtain APY: $500.00 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.10% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.23%

Bank of Utica Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Home Mortgage - First Position	-	-	7.69%	180 months
Details Required Down Payment: 80% LTV; Minimum Amount: $20,000; LTV is Loan to Value Ratio; Effective October 13, 2026 Last Updated 10/14/2026 Rate History 4 changes since Sep 15, 2026 · 7.09% → 7.69% ▲ 0.60 pts · high 7.69% / low 7.09% Oct 14, 20267.69%▲ from 7.66% Oct 7, 20267.66%▲ from 7.38% Oct 1, 20267.38%▲ from 7.30% Sep 24, 20267.30%▲ from 7.09% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.23%
Home Equity - Second Position	-	-	9.69%	120 months
Details Required Down Payment: 80% LTV; Minimum Amount: $10,000; LTV is Loan to Value Ratio; Effective October 13, 2026 Last Updated 10/14/2026 Rate History 4 changes since Sep 15, 2026 · 9.09% → 9.69% ▲ 0.60 pts · high 9.69% / low 9.09% Oct 14, 20269.69%▲ from 9.66% Oct 7, 20269.66%▲ from 9.38% Oct 1, 20269.38%▲ from 9.30% Sep 24, 20269.30%▲ from 9.09% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.23%

Bank of Utica Auto Loan Rates

Product	Rate	Points	APR	Term
Vehicle Used - 1 Year Old Loan	-	-	6.00%	60 months
Details Max term; Required Down Payment: NA; Minimum Amount: $2,500; Reduce 1/4% if charged to a Bank of Utica checking account Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 6.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.23%
Vehicle Used - 2 Years Old Loan	-	-	6.00%	54 months
Details Max term; Required Down Payment: NA; Minimum Amount: $2,500; Reduce 1/4% if charged to a Bank of Utica checking account Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 6.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.23%
Vehicle Used - 3 Years Old Loan	-	-	6.00%	48 months
Details Max term; Required Down Payment: NA; Minimum Amount: $2,500; Reduce 1/4% if charged to a Bank of Utica checking account Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 6.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.23%
Vehicle Used - 4 Years Old Loan	-	-	6.50%	42 months
Details Max term; Required Down Payment: NA; Minimum Amount: $2,500; Reduce 1/4% if charged to a Bank of Utica checking account Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 6.50% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.23%
Vehicle Used - 5 Years Old Loan	-	-	6.50%	36 months
Details Max term; Required Down Payment: NA; Minimum Amount: $2,500; Reduce 1/4% if charged to a Bank of Utica checking account Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 6.50% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.23%

Bank of Utica Personal Loan Rates

Product	APR	Term	View More
Personal Unsecured Loan	7.00%	36 months
Details Max term; Required Down Payment:; Minimum Amount: $1,000; Reduce 1/4% if charged to a Bank of Utica checking account Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 7.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.23%

Bank of Utica Other Rates

Product	Rate	Points	APY/APR	Term
Home Improvement Loan	-	-	6.50%	60 months
Details Max term; Required Down Payment: NA; Minimum Amount: $1,000; Reduce 1/4% if charged to a Bank of Utica checking account Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 6.50% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.23%
Business	0.10%	-	0.10%
Min Deposit $50 Min Balance $500 Details Local Deposits Only - Oneida, Herkimer, Madison, Otsego Counties; Compounding: Monthly Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.23%
Certificate of Deposit - 1 year up to 2	3.942%	-	4.00%	1 year
Min Deposit $1,000 Details Local Deposits Only - Oneida, Herkimer, Madison, Otsego Counties; Under $100,000; Apply Online; Compounding Q; Minimum opening deposit and balance to obtain APY Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.23%
Certificate of Deposit - 2 years up to 3	3.942%	-	4.00%	2 years
Min Deposit $1,000 Details Local Deposits Only - Oneida, Herkimer, Madison, Otsego Counties; Under $100,000; Apply Online; Compounding Q; Minimum opening deposit and balance to obtain APY Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.23%
Certificate of Deposit - 3 months up to 6	3.65%	-	3.70%	3 months
Min Deposit $10,000 Details Local Deposits Only - Oneida, Herkimer, Madison, Otsego Counties; Under $100,000; Apply Online; Compounding Q; Minimum opening deposit and balance to obtain APY Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.70% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.23%
Certificate of Deposit - 3 years up to 4	4.039%	-	4.10%	3 years
Min Deposit $1,000 Details Local Deposits Only - Oneida, Herkimer, Madison, Otsego Counties; Under $100,000; Apply Online; Compounding Q; Minimum opening deposit and balance to obtain APY Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.10% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.23%
Certificate of Deposit - 4 years up to 5	4.136%	-	4.20%	4 years
Min Deposit $1,000 Details Local Deposits Only - Oneida, Herkimer, Madison, Otsego Counties; Under $100,000; Apply Online; Compounding Q; Minimum opening deposit and balance to obtain APY Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.20% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.23%
Certificate of Deposit - 6 months up to 1 year	3.942%	-	4.00%	6 months
Min Deposit $1,000 Details Local Deposits Only - Oneida, Herkimer, Madison, Otsego Counties; Under $100,000; Apply Online; Compounding Q; Minimum opening deposit and balance to obtain APY Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.23%
Pension CDs (Includes IRA, SEP 401K, ESOP) - 1 year up to 2	3.942%	-	4.00%	1 year
Min Deposit $1,000 Min Balance $1,000 Details Local Deposits Only - Oneida, Herkimer, Madison, Otsego Counties; Compounding: Quarterly; New Customer Limit $3,000,000; Subject to Change at Anytime Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 4.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.23%
Pension CDs (Includes IRA, SEP 401K, ESOP) - 2 years up to 3	3.942%	-	4.00%	2 years
Min Deposit $1,000 Min Balance $1,000 Details Local Deposits Only - Oneida, Herkimer, Madison, Otsego Counties; Compounding: Quarterly; New Customer Limit $3,000,000; Subject to Change at Anytime Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 4.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.23%
Pension CDs (Includes IRA, SEP 401K, ESOP) - 3 years up to 4	4.039%	-	4.10%	3 years
Min Deposit $1,000 Min Balance $1,000 Details Local Deposits Only - Oneida, Herkimer, Madison, Otsego Counties; Compounding: Quarterly; New Customer Limit $3,000,000; Subject to Change at Anytime Last Updated 10/14/2026 Rate History 1 change since Sep 18, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00% Oct 2, 20264.10%▲ from 4.00% Sep 18, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.23%
Pension CDs (Includes IRA, SEP 401K, ESOP) - 4 years up to 5	4.136%	-	4.20%	4 years
Min Deposit $1,000 Min Balance $1,000 Details Local Deposits Only - Oneida, Herkimer, Madison, Otsego Counties; Compounding: Quarterly; New Customer Limit $3,000,000; Subject to Change at Anytime Last Updated 10/14/2026 Rate History 1 change since Sep 18, 2026 · 4.10% → 4.20% ▲ 0.10 pts · high 4.20% / low 4.10% Oct 2, 20264.20%▲ from 4.10% Sep 18, 20264.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.23%
Personal (Apply Online)	0.10%	-	0.10%
Min Deposit $25 Min Balance $500 Details Local Deposits Only - Oneida, Herkimer, Madison, Otsego Counties; Compounding: Monthly; Apply Online Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.10% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.23%
Tax-Exempt	0.10%	-	0.10%
Min Deposit $50 Min Balance $500 Details Local Deposits Only - Oneida, Herkimer, Madison, Otsego Counties; Compounding: Monthly Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.23%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Bank of Utica’s Texas Ratio stayed near 0.26% in Q3 2023 to 0.23% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$1.5B	0.23%	5.0	A+
March 31, 2026	$1.4B	0.31%	5.0	A+
December 31, 2025	$1.4B	0.25%	5.0	A+
September 30, 2025	$1.4B	0.69%	5.0	A+
June 30, 2025	$1.4B	0.47%	5.0	A+
March 31, 2025	$1.4B	0.39%	5.0	A+
December 31, 2024	$1.4B	0.40%	5.0	A+
September 30, 2024	$1.4B	0.32%	5.0	A+
June 30, 2024	$1.3B	0.15%	5.0	A+
March 31, 2024	$1.3B	0.04%	5.0	A+
December 31, 2023	$1.3B	0.03%	5.0	A+
September 30, 2023	$1.3B	0.26%	5.0	A+

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Bank of Utica is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Bank of Utica rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Bank of Utica's official website for the most current offers and terms.

Bank Profile & Overview

Bank Name Bank of Utica

Website https://www.bankofutica.com

Address 222 Genesee St, Utica, NY 13502 · Oneida

FDIC Certificate # 13397

Regulator FDIC

Established April 23, 1927

FDIC Insurance Date January 1, 1934

Domestic Offices 1

Total Branches 1

FDIC Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.23%

National Average Texas Ratio

5.85%

Return on Assets (ROA)

4.8023%

Return on Equity (ROE)

18.6900%

Non-Performing Loans Ratio (NPL)

0.06%

Total Assets

$1,508,615,000

Total Deposits

$1,074,005,000

Equity Capital

$391,604,000

Net Income

$34,909,000

Headquarters

Utica

Total Branches and Offices

Source: FDIC — Last Updated June 30, 2026

Q2 2026 MBR Health & Safety Badge

Bank of Utica earned the Verified Healthy badge

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Frequently Asked Questions About Bank of Utica

How many branches does Bank of Utica operate?

Bank of Utica currently maintains approximately 1 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Bank of Utica does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Bank of Utica provides members with tools to manage their accounts and build a solid financial history.

Does Bank of Utica offer online and mobile banking?

Most modern institutions like Bank of Utica provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.bankofutica.com.

Current Bank of Utica Rates

60-Month CD4.30%
Savings2.30%
MMA2.20%

Retrieved from our database of financial products. Rates subject to change.

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Bank of Utica Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

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Financial Health History

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Financials

Bank of Utica earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Bank of Utica

How many branches does Bank of Utica operate?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Bank of Utica offer online and mobile banking?

Current Bank of Utica Rates

Compare to Other Banks