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 Bank of Utica Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: November 5, 2026
Bank of Utica's 5 Year CD (CD) rates are at 4.40%, 5 Year Pension CD rates are at 4.40%, 6-Month CD (CD) rates are at 4.00%. Bank of Utica's savings rates are at 2.40%. Bank of Utica's money market rates are at 2.30%. Bank of Utica's checking rates are as high as 0.10%. Bank of Utica's Home Mortgage - First Position rates are at 7.48%. Bank of Utica's Personal Loan Rates are as low as 7.00%. Bank of Utica's top CD rate of 4.40% APY on a 5 year CD is 50% higher than the MonitorBankRates national average of 2.93% APY for that term, and it has an A+ health rating. 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 11/05/2026. 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. 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
Bank of Utica Savings Rates
Bank of Utica Money Market Rates
Bank of Utica Business Money Market Rates
Bank of Utica Checking Rates
Bank of Utica Business Checking Rates
Bank of Utica Mortgage Rates
Bank of Utica Home Equity & HELOC
Bank of Utica Auto Loan Rates
Bank of Utica Personal Loan Rates
Bank of Utica Other Rates
Financial Health HistoryBank 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
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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
Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates 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
FinancialsMonitorBankRates 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
1
Source: FDIC — Last Updated June 30, 2026
Customer Reviews
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Add Your Rating and Review for Bank of Utica
Frequently Asked Questions About Bank of UticaDoes Bank of Utica offer CDs?Yes. Bank of Utica current CD rates include its 5 Year CD (CD) at 4.40% APY, its 5 Year Pension CD at 4.40% APY and its 6-Month CD (CD) at 4.00% APY, verified by MonitorBankRates as of November 5, 2026. Are CDs from Bank of Utica FDIC insured?Yes. Bank of Utica is insured by the Federal Deposit Insurance Corporation (FDIC), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at Bank of Utica?The highest Bank of Utica CD rate is its 5 Year Certificate of Deposit (CD) at 4.40% APY, verified by MonitorBankRates as of November 5, 2026. What CD terms does Bank of Utica offer?Bank of Utica CD rates are 4.00% APY for a 6 month CD and 4.40% APY for a 5 year CD, verified by MonitorBankRates as of November 5, 2026. The institution may offer other terms or specials that are not listed here, so check with Bank of Utica for its full lineup. What is the highest savings rate at Bank of Utica?The highest Bank of Utica savings rate is its Statement Savings at 2.40% APY, verified by MonitorBankRates as of November 5, 2026. What is the highest money market rate at Bank of Utica?The highest Bank of Utica money market rate is its Business MMA at 2.30% APY, verified by MonitorBankRates as of November 5, 2026. What is the highest checking rate at Bank of Utica?The highest Bank of Utica checking rate is its Business Checking at 0.10% APY, verified by MonitorBankRates as of November 5, 2026. What is the lowest mortgage rate at Bank of Utica?The lowest Bank of Utica mortgage rate is its Home Mortgage - First Position at 7.48% APR, verified by MonitorBankRates as of November 5, 2026. What is the lowest auto loan rate at Bank of Utica?The lowest Bank of Utica auto loan rate is its Vehicle Used - 1 Year Old Loan at 6.00% APR, verified by MonitorBankRates as of November 5, 2026. Bank of Utica auto loan rates are 6.00% APR for a 12 month auto loan, 6.00% APR for a 24 month auto loan, 6.00% APR for a 36 month auto loan, 6.50% APR for a 48 month auto loan and 6.50% APR for a 60 month auto loan. What is the lowest personal loan rate at Bank of Utica?The lowest Bank of Utica personal loan rate is its Personal Unsecured Loan at 7.00% APR, verified by MonitorBankRates as of November 5, 2026. 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. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do Bank of Utica rates compare?Bank of Utica's top CD rate of 4.40% APY on a 5 year CD is 50% higher than the MonitorBankRates national average of 2.93% APY for that term, and it has an A+ health rating. Bank of Utica's top rates are its 5 years 5 Year Certificate of Deposit (CD) at 4.40% APY, its Statement Savings at 2.40% APY, its Business MMA at 2.30% APY, its Business Checking at 0.10% APY, its Home Mortgage - First Position at 7.48% and its Personal Unsecured Loan at 7.00% APR, verified by MonitorBankRates on November 5, 2026. Current Bank of Utica Rates
Retrieved from our database of financial products. Rates subject to change.
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