Bank of Utica

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 676th largest bank in the nation. It was established in 1927 and as of March of 2022, it had grown to 44 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 - YTD2.06%
Return on Equity - YTD10.59%
Annual Interest Income$9.9MM
Assets and Liabilities
AssetsQ1 2022vs Q1 2021$1.56B$1.44B
LoansQ1 2022vs Q1 2021$99.4MM$122.4MM
DepositsQ1 2022vs Q1 2021$1.23B$1.14B
Equity CapitalQ1 2022vs Q1 2021$303.8MM$277.9MM
Loan Loss AllowanceQ1 2022vs Q1 2021$1.2MM$1.7MM
Unbacked Noncurrent LoansQ1 2022vs Q1 2021$1.1MM$1.2MM
Real Estate OwnedQ1 2022vs Q1 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

1.00%*$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+

Bank of Utica Money Market Rates

0.50%*$1k*$2mPersonal Money Market Account (MMA)
OTHER TIERS: 0.25% $2m+
0.50%*$1$2mIRA Money Market Account (MMA)
OTHER TIERS: 0.25% $2m+
0.50%*$1k*$2mBusiness Money Market Account (MMA)
OTHER TIERS: 0.25% $2m+
0.50%*$1k*$2mMunicipal Money Market Account (MMA)
OTHER TIERS: 0.25% $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

1.60%$500-5 Year CD
1.45%$500-4 Year Up to 5 Year CD
1.30%$500-3 Year Up to 4 Year CD
1.15%$500$100k2 Year Up to 3 Year CD
1.00%$500$100k1 Year Up to 2 Year CD
0.50%$10k-1 Month Up to 3 Month CD
0.50%$5k-3 Month Up to 6 Month CD
0.50%$2.5k-6 Month Up to 1 Year CD

Bank of Utica IRA Rates

1.60%$500-5 Year IRA
1.45%$500-4 Year up to 5 Year IRA
1.30%$500-3 Year up to 4 Year IRA
1.15%$500-2 Year up to 3 Year IRA
1.00%$500-1 Year up to 2 Year IRA

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

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