|
iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Bank of Utica Rates & Review August 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: August 28, 2026
Bank of Utica's 5 years rates are at 4.10%, Pension CDs (Includes IRA, SEP 401K, ESOP) 5 years rates are at 4.10%. Bank of Utica's savings rates are at 1.00%. Bank of Utica's money market rates are at 2.00%. Bank of Utica's Personal Loan Rates are at 7.00%. 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 0.30%. Rates last updated and verified on 08/28/2026. 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. 
Bank of Utica CD Rates
Bank of Utica Savings Rates
Bank of Utica Money Market Rates
Bank of Utica Home Equity & HELOC
Bank of Utica Auto Loan Rates
Bank of Utica Personal Loan Rates
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
Institution Name
Bank of Utica
FDIC Certificate #
13397
Address
222 Genesee St,
Utica, NY 13502 · Oneida
Website
https://www.bankofutica.com
Established
04/23/1927
FDIC Insurance Date
01/01/1934
Domestic Offices
1
Total Branches
1
Regulator
FDIC
FDIC Insured
✓ Yes — Up to $250,000
Financial Health & AssetsA+
Overall Health Grade
Score: 100/100
5.0
Exceptional
Out of 5.0 Stars
0.30%
Texas Ratio
Nat'l avg: 5.85%
Return on Assets (ROA)
0.9194%
Return on Equity (ROE)
4.1100%
Non-Performing Loans (NPL)
0.07%
Total Assets
$1,405,373,000
Total Deposits
$1,010,249,000
Equity Capital
$359,132,000
Net Income
$32,553,000
Headquarters
Utica
Total Branches and Offices
1
Source: FDIC | Last Updated 12/31/2025
Customer Reviews
There are no reviews for Bank of Utica yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Bank of Utica
Frequently Asked Questions About Bank of UticaHow 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
Retrieved from our database of financial products. Rates subject to change.
Compare to Other Banks
GNBank, National Association
Tioga-Franklin Savings Bank
Schertz B&T
F&M Bank & Trust
Bank of Travelers Rest
Lincoln Savings Bank
Farmers and Mechanics Federal Savings Bank
Freedom Bank Alamo, TX
Amistad Bank
Grundy Bank
FSB of Burnet
Aspire Bank
American First National Bank
Kendall Bank
First American Bank & Trust Co.
Guardian SB West Chester, OH
F&M Bank Laotto, IN
FNB of Grayson
Huron State Bank
Bank of Sunset and Trust Company
Bank of India
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
