Bank of Utica

Overview / Commentary
222 Genesee Street
Utica, NY 13502

Bank of Utica is headquartered in Utica and is the 49th largest bank in the state of New York. It is also the 704th largest bank in the nation. It was established in 1927 and as of June of 2021, it had grown to 43 employees at 1 location. Bank of Utica's savings rates are 15% higher than 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 - YTD2.68%
Return on Equity - YTD13.94%
Annual Interest Income$20.5MM
Assets and Liabilities
AssetsQ2 2021vs Q2 2020$1.48B$1.27B
LoansQ2 2021vs Q2 2020$121.3MM$124.7MM
DepositsQ2 2021vs Q2 2020$1.17B$1.02B
Equity CapitalQ2 2021vs Q2 2020$278.6MM$239.7MM
Loan Loss AllowanceQ2 2021vs Q2 2020$1.7MM$1.6MM
Unbacked Noncurrent LoansQ2 2021vs Q2 2020$1.5MM$1.4MM
Real Estate OwnedQ2 2021vs Q2 2020$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

1.00%*$1$2mHealth Savings Account
OTHER TIERS: 0.25% $2m+
1.00%$5$10kChristmas Club Account
0.60%*$250*-Statement Savings Account
OTHER TIERS: 0.25% $2m+
0.60%$250-Business Statement Savings Account

Bank of Utica Money Market Rates

0.50%$1k-Personal Money Market Account (MMA)
0.50%$1-IRA Money Market Account (MMA)
0.50%$1k-Business Money Market Account (MMA)
0.50%$1k-Municipal Money Market Account (MMA)

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

1.25%$500-5 Year CD
1.15%$500-4 Year Up to 5 Year CD
1.00%$500-3 Year Up to 4 Year CD
0.90%$500$100k2 Year Up to 3 Year CD
0.80%$500$100k1 Year Up to 2 Year CD
0.50%$2.5k-6 Month Up to 1 Year CD
0.35%$5k-3 Month Up to 6 Month CD
0.25%$10k-1 Month Up to 3 Month CD

Bank of Utica IRA Rates

1.25%$500-5 Year IRA
1.15%$500-4 Year up to 5 Year IRA
1.00%$500-3 Year up to 4 Year IRA
0.90%$500-2 Year up to 3 Year IRA
0.80%$500-1 Year up to 2 Year IRA

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

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