Utica, New York (NY) Savings Rates - March 2026
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The savings 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.
The best savings rates for Utica, New York and the surrounding area include Bank of UticaBank of Utica222 Genesee St, Utica, NY 13502A+5.0 ★Texas Ratio: 0.30% Statement Savings at 2.10% APY, AmeriCU Credit UnionAmeriCU Credit Union224 N Genesee St STE 3, Utica, NY 13502 2514A-4.9 ★Texas Ratio: 16.15% Health Savings Accounts at 1.50% APY, Pathfinder BankPathfinder Bank258 Genesee St, Utica, NY 13502A5.0 ★Texas Ratio: 12.40% Municipal Savings at 0.50% APY, Utica District Telephone Employees Federal Credit UnionUtica District Telephone Employees Federal Credit Union2812 GENESEE ST, UTICA, NY 13502A+5.0 ★Texas Ratio: 1.61% Regular Shares at 0.40% APY, and Mohawk Valley Federal Credit UnionMohawk Valley Federal Credit Union207 Genesee St, Utica, NY 13501A+5.0 ★Texas Ratio: 1.68% Share IRA at 0.35% APY. Savings rates as of March 27, 2026 according to verified data from MonitorBankRates.
To see how these savings rates in Utica, New York, and the surrounding area, compare, use our comprehensive tables below for side-by-side comparisons to find the best savings rates available. Rates in Utica, New York (NY) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Utica, New York and the surrounding area. Last Updated and Verified: March 27, 2026
Compare the Best Savings Rates in Utica, New York & Surrounding Communities
Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Bank of Utica
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
222 Genesee St, Utica, NY 13502
Statement Savings
2.10%
$100
▼
Rate2.08%
Min Deposit$100
Min Balance—
UpdatedMar 25, 2026
Details
Apply Online
AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.15%
224 N Genesee St STE 3, Utica, NY 13502 2514
Health Savings Accounts
1.50%
$100,000
▼
Rate1.49%
Min Deposit$100,000
Min Balance—
UpdatedMar 25, 2026
Details
AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.15%
224 N Genesee St STE 3, Utica, NY 13502 2514
Health Savings Accounts
1.40%
$50,000
▼
Rate1.39%
Min Deposit$50,000
Min Balance—
UpdatedMar 25, 2026
Details
AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.15%
224 N Genesee St STE 3, Utica, NY 13502 2514
Health Savings Accounts
1.30%
$10,000
▼
Rate1.29%
Min Deposit$10,000
Min Balance—
UpdatedMar 25, 2026
Details
AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.15%
224 N Genesee St STE 3, Utica, NY 13502 2514
Health Savings Accounts
1.20%
$5,000
▼
Rate1.19%
Min Deposit$5,000
Min Balance—
UpdatedMar 25, 2026
Details
AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.15%
224 N Genesee St STE 3, Utica, NY 13502 2514
Health Savings Accounts
1.10%
$2,500
▼
Rate1.09%
Min Deposit$2,500
Min Balance—
UpdatedMar 25, 2026
Details
Bank of Utica
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
222 Genesee St, Utica, NY 13502
Health Savings
1.00%
$1
▼
Rate1.00%
Min Deposit$1
Min Balance—
UpdatedMar 25, 2026
Details
AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.15%
224 N Genesee St STE 3, Utica, NY 13502 2514
Health Savings Accounts
1.00%
$25
▼
Rate1.00%
Min Deposit$25
Min Balance—
UpdatedMar 25, 2026
Details
Pathfinder Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.40%
258 Genesee St, Utica, NY 13502
Municipal Savings
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Utica District Telephone Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
2812 GENESEE ST, UTICA, NY 13502
Regular Shares
0.40%
$5
▼
Rate0.40%
Min Deposit$5
Min Balance—
UpdatedMar 22, 2026
Details
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
207 Genesee St, Utica, NY 13501
Share IRA
0.35%
$0
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Pathfinder Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.40%
258 Genesee St, Utica, NY 13502
Health Savings Account
0.30%
$0
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
NBT Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
270 Genesee St, Utica, NY 13502
Health Savings Accounts Tier 4
0.30%
$0
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
NBT Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
270 Genesee St, Utica, NY 13502
Health Savings Accounts Tier 3
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
GPO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
301 Bleecker St, Utica, NY 13501
Share Savings
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
GPO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
301 Bleecker St, Utica, NY 13501
Loan Payment Share Savings
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
GPO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
301 Bleecker St, Utica, NY 13501
Kids' Cash Savings
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
GPO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
301 Bleecker St, Utica, NY 13501
Bright Future Savings
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
GPO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
301 Bleecker St, Utica, NY 13501
(HSA) Health Savings Account
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
First Source Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.13%
1634 Genesee St, Utica, NY 13502 5428
Regular Share Accounts
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Minimum balance to earn dividends
First Source Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.13%
1634 Genesee St, Utica, NY 13502 5428
Regular Share
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
First Source Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.13%
1634 Genesee St, Utica, NY 13502 5428
IRA Share/SEP
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Pathfinder Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.40%
258 Genesee St, Utica, NY 13502
Business Savings
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Pathfinder Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.40%
258 Genesee St, Utica, NY 13502
Health Savings Account
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Pathfinder Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.40%
258 Genesee St, Utica, NY 13502
Business Savings
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Pathfinder Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.40%
258 Genesee St, Utica, NY 13502
Health Savings Account
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Pathfinder Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.40%
258 Genesee St, Utica, NY 13502
Landlord Tenant Savings
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
NBT Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
270 Genesee St, Utica, NY 13502
Health Savings Accounts Tier 2
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Pathfinder Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.40%
258 Genesee St, Utica, NY 13502
Statement Savings
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
207 Genesee St, Utica, NY 13501
Share/Savings
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Pathfinder Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.40%
258 Genesee St, Utica, NY 13502
Health Savings Account
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Pathfinder Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.40%
258 Genesee St, Utica, NY 13502
Business Savings
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.15%
224 N Genesee St STE 3, Utica, NY 13502 2514
Share Savings
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.15%
224 N Genesee St STE 3, Utica, NY 13502 2514
Rising Stars Share Savings
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Pathfinder Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.40%
258 Genesee St, Utica, NY 13502
Health Savings Account
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
NBT Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
270 Genesee St, Utica, NY 13502
Health Savings Accounts Tier 1
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.15%
224 N Genesee St STE 3, Utica, NY 13502 2514
Stars and Stripes Share Savings
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.15%
224 N Genesee St STE 3, Utica, NY 13502 2514
Share Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.15%
224 N Genesee St STE 3, Utica, NY 13502 2514
Rising Stars Share Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.15%
224 N Genesee St STE 3, Utica, NY 13502 2514
Stars and Stripes Share Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Adirondack Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
185 Genesee St, Utica, NY 13501
Loyalty Savings Tier 6
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.15%
224 N Genesee St STE 3, Utica, NY 13502 2514
Rising Stars Share Savings
0.03%
$0
▼
Rate0.03%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
$0.01 min, balance to open.
AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.15%
224 N Genesee St STE 3, Utica, NY 13502 2514
Share Savings
0.03%
$0
▼
Rate0.03%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.15%
224 N Genesee St STE 3, Utica, NY 13502 2514
Stars and Stripes Share Savings
0.03%
$0
▼
Rate0.03%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
$0.01 min. balance to open
Adirondack Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
185 Genesee St, Utica, NY 13501
Loyalty Savings Tier 4
0.03%
$0
▼
Rate0.03%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Adirondack Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
185 Genesee St, Utica, NY 13501
Loyalty Savings Tier 5
0.03%
$0
▼
Rate0.03%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
NBT Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
270 Genesee St, Utica, NY 13502
eSavings Account Tier 1
0.03%
$0
▼
Rate0.03%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Average daily balance $100 < $2,500
NBT Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
270 Genesee St, Utica, NY 13502
eSavings Account Tier 2
0.03%
$0
▼
Rate0.03%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Average daily balance $2,500 < $10,000
NBT Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
270 Genesee St, Utica, NY 13502
eSavings Account Tier 3
0.03%
$0
▼
Rate0.03%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Average daily balance is $10,000 +
NBT Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
270 Genesee St, Utica, NY 13502
iStrive Savings Account Tier 1
0.03%
$0
▼
Rate0.03%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
NBT Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
270 Genesee St, Utica, NY 13502
iStrive Savings Account Tier 2
0.03%
$0
▼
Rate0.03%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
NBT Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
270 Genesee St, Utica, NY 13502
iStrive Savings Account Tier 3
0.03%
$0
▼
Rate0.03%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
NBT Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
270 Genesee St, Utica, NY 13502
Statement Savings Account
0.03%
$25
▼
Rate0.03%
Min Deposit$25
Min Balance—
UpdatedMar 20, 2026
Details
Adirondack Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
185 Genesee St, Utica, NY 13501
Health Savings Account Tier 3
0.03%
$0
▼
Rate0.03%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
207 Genesee St, Utica, NY 13501
Share Draft (Checking)
0.03%
$0
▼
Rate0.03%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Adirondack Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
185 Genesee St, Utica, NY 13501
Health Savings Account Tier 2
0.02%
$0
▼
Rate0.02%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Adirondack Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
185 Genesee St, Utica, NY 13501
Adirondack Children's Savings
0.01%
$10
▼
Rate0.01%
Min Deposit$10
Min Balance—
UpdatedMar 24, 2026
Details
AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.15%
224 N Genesee St STE 3, Utica, NY 13502 2514
Rising Stars Share Savings
0.01%
$0
▼
Rate0.01%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
For members age 13-17.
AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.15%
224 N Genesee St STE 3, Utica, NY 13502 2514
Share Savings
0.01%
$0
▼
Rate0.01%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.15%
224 N Genesee St STE 3, Utica, NY 13502 2514
Stars and Stripes Share Savings
0.01%
$0
▼
Rate0.01%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
For members age 0-12.
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MonitorBankRates
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution’s data, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution’s data, please contact us here.
Utica, NY Savings Rate Trends
Compare local Utica, NY savings rate quotes against the statewide average
Weekly savings rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
High-Yield Savings — NY Avg
1.260%
▼ 0.259 from last week
New York high-yield savings rates fell 0.259 points this week to 1.260% APY, down from 1.519% last week.
Standard Savings — NY Avg
0.762%
▼ 0.286 from last week
New York standard savings rates fell 0.286 points this week to 0.762% APY, down from 1.048% last week.
As of Mar 27, 2026 •
Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Methodology & Data Sources
Direct-Sourced & Verified Savings Rate Data: We aggregate savings account rates for Utica, New York directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. Every savings rate displayed on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Utica, New York. We feature a comprehensive mix of institutions — from neighborhood credit unions and competitive regional banks to large national institutions available to savers in NY.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update savings rates daily. Because savings account yields can fluctuate rapidly, every product listed features its own specific “last updated” date, giving you complete transparency.
Frequently Asked Questions about Savings Accounts in Utica, New York
What is a High-Yield Savings Account (HYSA)?
A High-Yield Savings Account (HYSA) typically pays significantly higher interest than standard accounts at national brick-and-mortar banks. These accounts, often found at online banks or local credit unions in New York, help your money grow faster through a higher APY.
Are savings accounts in Utica, New York safe?
Yes, as long as the institution is FDIC insured (for banks) or NCUA insured (for credit unions). This provides federal protection for your deposits in New York up to $250,000 per depositor, per institution.
How often do savings rates change in Utica, New York?
Savings rates are variable and can change at any time based on market conditions and Federal Reserve decisions. We update our local New York rate tables daily to ensure you see the most current high-yield options.
Do I need a minimum deposit to open a savings account?
It depends on the bank. Many online high-yield savings accounts have no minimum deposit requirement, while some traditional banks in Utica, New York may require $25–$100 to open an account.
What is the difference between a Savings Account and a Money Market Account?
Both pay interest and are federally insured. Money Market Accounts (MMAs) often come with check-writing privileges or a debit card, making them more flexible, whereas standard savings accounts typically do not.
Are online banks better than local banks in Utica, New York?
Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Utica, New York offer in-person customer service, which some customers prefer.
How do I open a savings account in Utica, New York?
You can open a savings account online or in-person. You will generally need a government-issued ID, your Social Security number, and an initial deposit to get started.
Best Savings Rates in Utica, New York
Here are recent savings rates observed in Utica, New York and the surrounding area:
- Bank of Utica
Statement Savings — 2.10% APY - AmeriCU Credit Union
Health Savings Accounts — 1.50% APY - Pathfinder Bank
Municipal Savings — 0.50% APY - Utica District Telephone Employees Federal Credit Union
Regular Shares — 0.40% APY - Mohawk Valley Federal Credit Union
Share IRA — 0.35% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Utica, New York. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 27, 2026
