Credit union · NCUA insured
Utica Gas & Electric Federal Credit Union CD Rates
Top CarrotUtica Gas & Electric Federal Credit Union’s best CD rate is 4.60% APY on a 10-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Utica Gas & Electric Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Utica, NY, where Utica Gas & Electric Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Utica Gas & Electric Federal Credit Union
4.60%APY
- Term
- 10 months
- Minimum
- $500
- Earns on $10,000
- $382
10 Month Certificate Special
2nd-highest rate
AmeriCU Credit Union
4.50%APY
- Term
- 3 months
- Minimum
- $50
- Earns on $10,000
- $111
3rd-highest rate
G.P.O. Federal Credit Union
4.50%APY
- Term
- 11 months
- Minimum
- $1,000
- Earns on $10,000
- $412
Utica Gas & Electric Federal Credit Union CD score
95
CD score
Higher than 97% of U.S. banks and credit unions
- 3–8 months3–8 mo4.15%
- 9–15 months9–15 mo4.60%
- 16–30 months16–30 mo4.00%
- 31–60 months31–60 mo3.75%
- QualifiedQualified4.60%
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 Gas & Electric 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.
10 Month Certificate Special
Up to 4.60%APY · 1 term
Limited-time offer. Cannot be combined with the Anniversary Special. Early withdrawal penalty applies.
| Term | APY · $500 and up | APY · $10,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 10 monthsLimited-time offer | 4.50% | — | 4.50% | $374 |
| 10 monthsRequires $10,000 or more in new money from another financial institution. Limited-time offer | — | 4.60% | 4.60% | $382 |
Sources (1)
- ugefcu.com/accounts/investments · captured Sep 17, 2026
Share Certificates
Up to 4.15%APY · 6 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsCompounded and credited monthly | 4.15% | $205 |
| 12 monthsCompounded and credited quarterly | 4.00% | $400 |
| 18 monthsCompounded and credited quarterly | 4.00% | $606 |
| 24 monthsCompounded and credited quarterly | 3.75% | $764 |
| 36 monthsCompounded and credited quarterly | 3.75% | $1,168 |
| 60 monthsCompounded and credited quarterly | 3.00% | $1,593 |
Sources (1)
- ugefcu.com/rates · captured Sep 17, 2026
Special-purpose accounts
IRA Certificate
Up to 4.00%APY · 3 terms
Available as Traditional or ROTH IRA.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsCompounded and credited quarterly | 4.00% | $400 |
| 36 monthsCompounded and credited quarterly | 3.75% | $1,168 |
| 60 monthsCompounded and credited quarterly | 3.00% | $1,593 |
Who can join Utica Gas & Electric Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Membership is open to employees of National Grid and listed select employer groups (SEGs).
Family and household
- Membership is open to family members and household members of eligible employees.
Cost to join
- An account can be opened with as little as $5.00.
Membership information collected October 5, 2026.