Bank of Utica

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.bankofutica.com

800-442-1028

222 Genesee Street
Utica, NY 13502

Bank of Utica is headquartered in UTICA and is the 46^th largest bank in the state of New York. It is also the 780^th largest bank in the nation. It was established in 1927 and as of March of 2025, it had grown to 43 employees at 1 location. Bank of Utica's CD rates are 4X the national average, and it boasts an A+ health rating.

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Health

A+

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	13397
Year Established	1927
Employees	43
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.9%
Return on Equity - YTD	3.78%
Annual Interest Income	$12.5MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$1.42B$1.31B
Loans	Q1 2025vs Q1 2024	$124.1MM$107.5MM
Deposits	Q1 2025vs Q1 2024	$1.06B$948.2MM
Equity Capital	Q1 2025vs Q1 2024	$334.5MM$330.6MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$1.1MM$1MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$1.3MM$121K
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Savings
Money Market
Checking
CD
IRA

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* 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

APY	MIN	MAX	ACCOUNT NAME
2.00%	$5	$10k	Christmas Club Account
1.60%^*	$250^*	$5m	Statement Savings Account
OTHER TIERS: 1.00% → $5m+
1.00%	$1	-	Health Savings Account

Bank of Utica Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
1.50%^*	$1k^*	$5m	Personal Money Market Account (MMA)
OTHER TIERS: 1.00% → $5m+
1.50%^*	$1	$5m	IRA Money Market Account (MMA)
OTHER TIERS: 1.00% → $5m+
1.50%^*	$1k^*	$5m	Business Money Market Account (MMA)
OTHER TIERS: 1.00% → $5m+
1.50%^*	$1k^*	$5m	Municipal Money Market Account (MMA)
OTHER TIERS: 1.00% → $5m+
1.50%^*	$1	$5m	Tax Exempt Money Market Account (MMA)
OTHER TIERS: 1.00% → $5m+

Bank of Utica Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
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

APY	MIN	MAX	ACCOUNT NAME
4.25%	$10k	$2m	3 Month Up to 6 Month CD
4.00%	$10k	$2m	6 Month Up to 1 Year CD
4.00%	$500	$2m	1 Year Up to 2 Year CD
4.00%	$500	$2m	2 Year Up to 3 Year CD
4.00%	$500	$2m	3 Year Up to 4 Year CD
4.00%	$500	$2m	4 Year Up to 5 Year CD
4.00%	$500	$2m	5 Year CD
1.50%	$10k	$2m	1 Month Up to 3 Month CD

Bank of Utica IRA Rates

APY	MIN	MAX	ACCOUNT NAME
4.00%	$500	$2m	1 Year up to 2 Year IRA
4.00%	$500	$2m	2 Year up to 3 Year IRA
4.00%	$500	$2m	3 Year up to 4 Year IRA
4.00%	$500	$2m	4 Year up to 5 Year IRA
4.00%	$500	$2m	5 Year IRA

Locations

Bank of Utica Locations
Bank Of Utica	222 Genesee St	Utica, NY 13502

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