Credit union · NCUA insured
Utica District Telephone Employees Federal Credit Union CD Rates
Utica District Telephone Employees Federal Credit Union’s best CD rate is 4.06% APY on a 1-year share certificate (CD). Terms run from 6 months to 30 months. Rates checked October 16, 2026.
How Utica District Telephone Employees Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Utica, NY, where Utica District Telephone Employees Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Utica District Telephone Employees Federal Credit Union
4.06%APY
- Term
- 12 months
- Minimum
- $1,000
- Earns on $10,000
- $406
Share Certificates
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
Utica District Telephone Employees Federal Credit Union CD score
86
CD score
Higher than 72% of U.S. banks and credit unions
- 3–8 months3–8 mo3.56%
- 9–15 months9–15 mo4.06%
- 16–30 months16–30 mo4.06%
- QualifiedQualified4.06%
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 Utica District Telephone Employees Federal Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share Certificates
Up to 4.06%APY · 3 terms
Membership available to employees of Verizon, Spectrum, and Northland Communications and their families. Dividends calculated by the average daily balance method. Penalty for early withdrawal: 30 days of dividends for terms of 12 months or less; 60 days of dividends for terms greater than 12 months. Account automatically renews at maturity with a 10-business-day grace period.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsDividends compounded and credited monthly | 3.56% | $176 |
| 12 monthsDividends compounded and credited quarterly | 4.06% | $406 |
| 30 monthsDividends compounded and credited quarterly | 4.06% | $1,047 |
Who can join Utica District Telephone Employees Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of this Credit Union are eligible for membership.
- Employees of Verizon & subsidiaries, Spectrum Cable, and Northland Communications are eligible for membership.
Family and household
- Immediate family members and permanent household members of eligible persons, as well as surviving spouses of persons who died while in the field of membership, are eligible for membership.
Other ways
- Organizations of persons within the field of membership are eligible for membership.
Membership information collected October 5, 2026.