Bank · FDIC insured
Bank of Utica Savings Rates
Top CarrotBank of Utica’s best savings rate is 2.30% APY, with its Statement Savings, with extra requirements. Rates checked October 16, 2026.
How Bank of Utica’s savings 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
2.30%APY
- Requires
- None
- Minimum
- $100
- Earns on $10,000 a year
- $230
Statement Savings
Top rate
Beacon Bank
3.20%APY
- Requires
- Another account
- Minimum
- $250
- Earns on $10,000 a year
- $320
3rd-highest rate
G.P.O. Federal Credit Union
1.30%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $130
Bank of Utica savings score
89
Savings score
Higher than 90% of U.S. banks and credit unions
- $1,000 balance$1,0002.30%
- $10,000 balance$10,0002.30%
- $100,000 balance$100,0002.30%
- QualifiedQualified2.30%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Statement Savings
2.30%APY
Local Deposits Only - Oneida, Herkimer, Madison, Otsego Counties. Subject to Change at Anytime.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $250 – $5,000,000Compounding monthly (M). If average available balance is more than $5 million, APY is paid on the first $5 million. | 2.30% | $230 | Compounding monthly (M). If average available balance is more than $5 million, APY is paid on the first $5 million. |
| $5,000,000 and upCompounding monthly (M). Paid on the portion of balance above $5 million. | 2.00% | — | Compounding monthly (M). Paid on the portion of balance above $5 million. |
Sources (2)
All captured Oct 16, 2026
Personal MMA
2.20%APY
Local Deposits Only - Oneida, Herkimer, Madison, Otsego Counties. Subject to Change at Anytime. Compounding monthly. Up to 6 transfers per month allowed; $5 fee per transfer if more than 6 transfers are made.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 – $5,000,000Paid on the first $5 million if average available balance is more than $5 million. | 2.20% | $220 | Paid on the first $5 million if average available balance is more than $5 million. |
| Over $5,000,000Paid on the balance above $5 million if average available balance is more than $5 million. | 2.00% | — | Paid on the balance above $5 million if average available balance is more than $5 million. |
Sources (2)
All captured Oct 16, 2026
Special-purpose accounts
IRA MMA
2.20%APY
Local Deposits Only - Oneida, Herkimer, Madison, Otsego Counties. Subject to Change at Anytime. Compounding monthly. Up to 6 transfers per month allowed; $5 fee per transfer if more than 6 transfers are made.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000,000Paid on the first $5 million if average available balance is more than $5 million. | 2.20% | $220 | Paid on the first $5 million if average available balance is more than $5 million. |
| Over $5,000,000Paid on the balance above $5 million if average available balance is more than $5 million. | 2.00% | — | Paid on the balance above $5 million if average available balance is more than $5 million. |
Sources (1)
- bankofutica.com/rates/index.php · captured Oct 16, 2026
Christmas Club
2.00%APY
Local Deposits Only - Oneida, Herkimer, Madison, Otsego Counties. Maximum deposit $10,000.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Compounding quarterly (Q). Maximum balance/deposit $10,000.Up to $10,000 | 2.00% | $200 | Compounding quarterly (Q). Maximum balance/deposit $10,000. |
Sources (2)
All captured Oct 16, 2026
Health Savings
0.00%APY on $10,000
Must be covered by a high deductible health plan. Local Deposits Only - Oneida, Herkimer, Madison, Otsego Counties. Subject to Change at Anytime.
| Part of the balance | Rate on that part |
|---|---|
| $5,000,000 and up | 2.00% |
On $10,000 the tiers blend to about 0.00% APY, earning $0 a year.
Sources (2)
All captured Oct 16, 2026
Opening an account
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