Bank of Utica rates: up to 4.30% APY
bank · FDIC CERT 13397 · www.bankofutica.com/
Savings
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Christmas Club | max $10,000 | 2.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Health Savings | $1.00 | 1.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Statement Savings | $250.00 | 2.30% | APY | 2026-11-01 | since 2026-11-01 |
CDs
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Certificates of Deposit October 1, 2026 | 3 months up to 6 (Apply Online) · $10,000.00 | 3.70% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificates of Deposit October 1, 2026 | 1 year up to 2 (Apply Online) · $1000.00 | 4.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Pension CDs October 1, 2026 | 1 year up to 2 · $1000.00 | 4.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificates of Deposit October 1, 2026 | 2 years up to 3 (Apply Online) · $1000.00 | 4.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Pension CDs October 1, 2026 | 2 years up to 3 · $1000.00 | 4.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificates of Deposit October 1, 2026 | 3 years up to 4 (Apply Online) · $1000.00 | 4.10% | APY | 2026-11-01 | since 2026-11-01 | |
| Pension CDs October 1, 2026 | 3 years up to 4 · $1000.00 | 4.10% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificates of Deposit October 1, 2026 | 4 years up to 5 (Apply Online) · $1000.00 | 4.20% | APY | 2026-11-01 | since 2026-11-01 | |
| Pension CDs October 1, 2026 | 4 years up to 5 · $1000.00 | 4.20% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificates of Deposit October 1, 2026 | 5 years (Apply Online) · $1000.00 | 4.30% | APY | 2026-11-01 | since 2026-11-01 | |
| Pension CDs October 1, 2026 | 5 years · $1000.00 | 4.30% | APY | 2026-11-01 | since 2026-11-01 |
Money market
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| IRA MMA | $1.00 | 2.20% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market October 1, 2026 | Personal MMA * (Apply Online) · $1,000.00 | 2.20% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market October 1, 2026 | Tax Exempt MMA * · $1,000.00 | 2.20% | APY | 2026-11-01 | since 2026-11-01 |
Checking
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Checking October 1, 2026 | Personal (Apply Online) · $500.00 | 0.10% | APY | 2026-11-01 | since 2026-11-01 | |
| Checking October 1, 2026 | Tax-Exempt · $500.00 | 0.10% | APY | 2026-11-01 | since 2026-11-01 |
Sources and evidence
| Page | Last captured | Last result | Digest |
|---|---|---|---|
| www.bankofutica.com/rates/ | 2026-11-01 20:22 UTC | ok | 21bb96d84121 |
| www.bankofutica.com/personal-banking/savings-accounts/ | — | http-error |