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 Bank of Utica Rates & Review September 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.
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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: September 18, 2026
Bank of Utica's 5 years 5 Year Certificate rates are at 4.20%, 5 years 5 Year Certificate rates are at 4.20%, Pension CDs (Includes IRA, SEP 401K, ESOP) - 5 years rates are at 4.20%. 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 as low as 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 0.23%. Rates last updated and verified on 09/18/2026. 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
Bank of Utica Other Rates
Financial Health HistoryBank of Utica’s Texas Ratio stayed near 0.30% 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
Institution Name
Bank of Utica
FDIC Certificate #
13397
Address
222 Genesee St,
Utica, NY 13502 · Oneida
Website
https://www.bankofutica.com
Established
19270423
FDIC Insurance Date
19340101
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
0.23%
Texas Ratio
Nat'l avg: 5.85%
Return on Assets (ROA)
4.8023%
Return on Equity (ROE)
18.6900%
Non-Performing Loans (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 06/30/2026
Customer Reviews
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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.
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