Credit union · NCUA insured
Utica Gas & Electric Federal Credit Union Savings Rates
Top CarrotUtica Gas & Electric Federal Credit Union’s best savings rate is 0.80% APY on $10,000, with its Money Market. Rates checked October 16, 2026.
How Utica Gas & Electric Federal Credit Union’s savings 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
0.80%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $80
Money Market
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 Gas & Electric Federal Credit Union savings score
83
Savings score
Higher than 64% of U.S. banks and credit unions
- $1,000 balance$1,0000.80%
- $10,000 balance$10,0000.80%
- $100,000 balance$100,0001.10%
- QualifiedQualified0.80%
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 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.
Money Market
0.80%APY
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $500 – $25,000Compounded monthly, credited monthly. Minimum balance for APY is $500.00. | 0.80% | $80 | Compounded monthly, credited monthly. Minimum balance for APY is $500.00. |
| $25,000 – $75,000Compounded monthly, credited monthly. Minimum balance for APY is $25,000.00. | 0.90% | — | Compounded monthly, credited monthly. Minimum balance for APY is $25,000.00. |
| $75,000 – $150,000Compounded monthly, credited monthly. Minimum balance for APY is $75,000.00. | 1.10% | — | Compounded monthly, credited monthly. Minimum balance for APY is $75,000.00. |
| $150,000 and upCompounded monthly, credited monthly. Minimum balance for APY is $150,000.00. | 1.40% | — | Compounded monthly, credited monthly. Minimum balance for APY is $150,000.00. |
Sources (1)
- ugefcu.com/rates · captured Sep 17, 2026
Share (Savings)
0.35%APY
Compounded and credited quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upCompounded and credited quarterly. Minimum balance to earn APY is $25.00.$25 and up | 0.35% | $35 | Compounded and credited quarterly. Minimum balance to earn APY is $25.00. |
Sources (1)
- ugefcu.com/rates · captured Sep 17, 2026
Special-purpose accounts
Variable IRA Savings
4.15%APY
Available as Traditional or Roth IRA. Compounded and credited quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upCompounded and credited quarterly. Minimum balance to earn stated yield is $25.00. Opening minimum balance is none ($0). Stated Rate(apr) is 4.07%.$25 and up | 4.15% | $415 | Compounded and credited quarterly. Minimum balance to earn stated yield is $25.00. Opening minimum balance is none ($0). Stated Rate(apr) is 4.07%. |
Christmas Club
0.35%APY
Compounded and credited quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upCompounded and credited quarterly. Minimum balance to earn APY is $25.00.$25 and up | 0.35% | $35 | Compounded and credited quarterly. Minimum balance to earn APY is $25.00. |
Sources (1)
- ugefcu.com/rates · captured Sep 17, 2026
Tax Club
0.35%APY
Compounded and credited quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upCompounded and credited quarterly. Minimum balance to earn APY is $25.00.$25 and up | 0.35% | $35 | Compounded and credited quarterly. Minimum balance to earn APY is $25.00. |
Sources (1)
- ugefcu.com/rates · captured Sep 17, 2026
Vacation Club
0.35%APY
Compounded and credited quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upCompounded and credited quarterly. Minimum balance to earn APY is $25.00.$25 and up | 0.35% | $35 | Compounded and credited quarterly. Minimum balance to earn APY is $25.00. |
Sources (1)
- ugefcu.com/rates · captured Sep 17, 2026
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.