Bank of Utica

Overview / Commentary
222 Genesee Street
Utica, NY 13502

Bank of Utica is headquartered in Utica and is the 45th largest bank in the state of New York. It is also the 686th largest bank in the nation. It was established in 1927 and as of June of 2022, it had grown to 45 employees at 1 location. Bank of Utica's CD rates are 3X the national average, and it boasts an A+ health rating.

Reviews (2)

Interest Rates

Posted by: |

It's local deposits only, so it doesn't apply to about 99% of those interested.

Local Depositors ONLY!!!

Called to find only LOCAL Depositors can open a cd account!!! This was after wasting time to fill out the
online application!!!


Health Grade Components

FDIC Certificate #13397
Year Established1927
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD-0.41%
Return on Equity - YTD-2.14%
Annual Interest Income$20.2MM
Assets and Liabilities
AssetsQ2 2022vs Q2 2021$1.53B$1.48B
LoansQ2 2022vs Q2 2021$106.1MM$121.3MM
DepositsQ2 2022vs Q2 2021$1.22B$1.17B
Equity CapitalQ2 2022vs Q2 2021$290.5MM$278.6MM
Loan Loss AllowanceQ2 2022vs Q2 2021$1.2MM$1.7MM
Unbacked Noncurrent LoansQ2 2022vs Q2 2021$783.00K$1.5MM
Real Estate OwnedQ2 2022vs Q2 2021$0$0
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Always verify rates and promotions with the bank or credit union. We are not Bank of Utica; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Bank of Utica Savings Account Rates

1.20%*$250*-Statement Savings Account
OTHER TIERS: 0.75% $2m+
1.00%*$1$2mHealth Savings Account
OTHER TIERS: 0.75% $2m+
1.00%$5$10kChristmas Club Account

Bank of Utica Money Market Rates

1.10%*$1k*$2mPersonal Money Market Account (MMA)
OTHER TIERS: 0.75% $2m+
1.10%*$1$2mIRA Money Market Account (MMA)
OTHER TIERS: 0.75% $2m+
1.10%*$1k*$2mBusiness Money Market Account (MMA)
OTHER TIERS: 0.75% $2m+
1.10%*$1k*$2mMunicipal Money Market Account (MMA)
OTHER TIERS: 0.75% $2m+
1.10%*$1$2mTax Exempt Money Market Account (MMA)
OTHER TIERS: 0.75% $2m+

Bank of Utica Checking Account Rates

0.10%$500-Personal Checking
0.10%$500-Business Checking
0.10%$500-Tax-Exempt Checking
0.10%$500-Municipal Checking

Bank of Utica CD Rates

3.10%$500-5 Year CD
2.85%$500-4 Year Up to 5 Year CD
2.60%$500-3 Year Up to 4 Year CD
2.40%$500$100k2 Year Up to 3 Year CD
2.25%$500$100k1 Year Up to 2 Year CD
1.50%$2.5k-6 Month Up to 1 Year CD
1.00%$5k-3 Month Up to 6 Month CD
0.75%$10k-1 Month Up to 3 Month CD

Bank of Utica IRA Rates

3.10%$500-5 Year IRA
2.85%$500-4 Year up to 5 Year IRA
2.60%$500-3 Year up to 4 Year IRA
2.40%$500-2 Year up to 3 Year IRA
2.25%$500-1 Year up to 2 Year IRA

Bank of Utica Locations
Bank Of Utica222 Genesee StUtica, NY 13502

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