Bank · FDIC insured
Bank of Utica CD Rates
Top CarrotBank of Utica’s best CD rate is 4.30% APY on a 5-year CD. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Bank of Utica’s CD rates compare
Compared with banks and credit unions near Utica, NY, where Bank of Utica has the most branches. $10,000, best rate first.
This bank’s best
Bank of Utica
4.30%APY
- Term
- 60–Unknown months
- Minimum
- $1,000
- Earns on $10,000
- —
Certificates of Deposit (CD)
Top rate
Utica Gas & Electric Federal Credit Union
4.60%APY
- Term
- 10 months
- Minimum
- $500
- Earns on $10,000
- $382
2nd-highest rate
AmeriCU Credit Union
4.50%APY
- Term
- 3 months
- Minimum
- $50
- Earns on $10,000
- $111
Bank of Utica CD score
90
CD score
Higher than 91% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo4.00%
- 31–60 months31–60 mo4.30%
- QualifiedQualified4.30%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Bank of Utica ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Certificates of Deposit (CD)
Up to 4.30%APY · 7 terms
Local deposits only for Oneida, Herkimer, Madison, Otsego Counties. New customer limit $3,000,000. Compounded quarterly (Q). Non-transferable. Early withdrawal penalties apply based on remaining term.
| Term | APY · $1,000 – $100,000 | APY · $10,000 – $100,000 | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3–6 monthsUnder $100,000 tier; 3 months up to 6 months term; compounded quarterly | — | 3.70% | 3.70% | $91 |
| 6–12 monthsUnder $100,000 tier; 6 months up to 1 year term; compounded quarterly | 4.00% | — | 4.00% | $198 |
| 12–24 monthsUnder $100,000 tier; 1 year up to 2 years term; compounded quarterly | 4.00% | — | 4.00% | $400 |
| 24–36 monthsUnder $100,000 tier; 2 years up to 3 years term; compounded quarterly | 4.00% | — | 4.00% | $816 |
| 36–48 monthsUnder $100,000 tier; 3 years up to 4 years term; compounded quarterly | 4.10% | — | 4.10% | $1,281 |
| 48–60 monthsUnder $100,000 tier; 4 years up to 5 years term; compounded quarterly | 4.20% | — | 4.20% | $1,789 |
| 60–Unknown monthsUnder $100,000 tier; 5 years and up term; compounded quarterly | 4.30% | — | 4.30% | $2,343 |
Sources (2)
All captured Oct 5, 2026
Special-purpose accounts
Pension CDs (Includes IRA, SEP 401K, ESOP)
Up to 4.30%APY · 5 terms
Local Deposits Only - Oneida, Herkimer, Madison, Otsego Counties. New Customer Limit $3,000,000. Includes IRA, SEP 401K, ESOP. Compounded quarterly (Q). Non-transferable. Early withdrawal penalties apply based on remaining term.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12–24 months1 year up to 2 years term; compounded quarterly | 4.00% | $400 |
| 24–36 months2 years up to 3 years term; compounded quarterly | 4.00% | $816 |
| 36–48 months3 years up to 4 years term; compounded quarterly | 4.10% | $1,281 |
| 48–60 months4 years up to 5 years term; compounded quarterly | 4.20% | $1,789 |
| 60–Unknown months5 years and over term; compounded quarterly | 4.30% | $2,343 |
Sources (2)
All captured Oct 5, 2026
Opening an account
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