Credit union · NCUA insured
Utica District Telephone Employees Federal Credit Union Savings Rates
Utica District Telephone Employees Federal Credit Union’s best savings rate is 0.40% APY on $10,000, with its Regular Shares. Rates checked October 16, 2026.
How Utica District Telephone Employees Federal Credit Union’s savings 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
0.40%APY
- Requires
- None
- Minimum
- $5
- Earns on $10,000 a year
- $40
Regular Shares
Top rate
Beacon Bank
3.20%APY
- Requires
- Another account
- Minimum
- $250
- Earns on $10,000 a year
- $320
2nd-highest rate
Bank of Utica
2.30%APY
- Requires
- None
- Minimum
- $100
- Earns on $10,000 a year
- $230
Utica District Telephone Employees Federal Credit Union savings score
77
Savings score
Higher than 43% of U.S. banks and credit unions
- $1,000 balance$1,0000.40%
- $10,000 balance$10,0000.40%
- $100,000 balance$100,0000.40%
- QualifiedQualified0.40%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Regular Shares
0.40%APY
Dividends compounded and credited monthly. Calculated by average daily balance method. Transaction limitations: max 6 transfers/withdrawals per statement period (max 3 by check/draft/debit card).
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upMinimum to obtain APY is $50.00.$50 and up | 0.40% | $40 | Minimum to obtain APY is $50.00. |
Sources (3)
All captured Sep 17, 2026
Special-purpose accounts
IRA Acct.
2.52%APY
Dividends compounded and credited quarterly. Calculated by average daily balance method. Available for Traditional, Roth, and Coverdell Education IRAs.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum balance to obtain APY stated (None).Any balance | 2.52% | $252 | No minimum balance to obtain APY stated (None). |
Sources (3)
All captured Sep 17, 2026
Club Acct.
0.50%APY
Dividends compounded and credited monthly. Calculated by average daily balance method. Covers Christmas, vacation, taxes.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNone stated for minimum opening or minimum balance to obtain APY.Any balance | 0.50% | $50 | None stated for minimum opening or minimum balance to obtain APY. |
Sources (3)
All captured Sep 17, 2026
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.