Bank of Utica CD Rates — October 2026
As of October 22, 2026, Bank of Utica's highest tracked CD rate is 4.30% APY on a 60-month CD ($1,000 minimum). That is 3.0 times the FDIC national average for 60-month CDs (1.41%). Standard CD rates range from 3.70% to 4.30% APY.
Tracking began .
Bank of Utica CD rates
Published CD rates from 3 months to 5 years; most terms require $1,000 and the 3-month term $10,000. Term ranges are shown at their lower bound; interest compounds quarterly. Early withdrawal penalties may apply.
| Term | Product | APY |
|---|---|---|
| 3 months | CD | 3.70%Top 21% · $10k reference sampleVerified October 22, 2026 |
| 6 months | CD | 4.00%Top 23% · $10k reference sampleVerified October 22, 2026 |
| 12 months | CD | 4.00%Top 33% · $10k reference sampleVerified October 22, 2026 |
| 24 months | CD | 4.00%Top 28% · $10k reference sampleVerified October 22, 2026 |
| 36 months | CD | 4.10%Top 16% · $10k reference sampleVerified October 22, 2026 |
| 48 months | CD | 4.20%Top 14% · $10k reference sampleVerified October 22, 2026 |
| 60 months | CD | 4.30%Top 13% · $10k reference sampleVerified October 22, 2026 |
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
What are Bank of Utica's best CD rates by term?
Bank of Utica's best rate is 4.30% APY on 60 months, verified October 22, 2026.
- 3 mo3.70%
- 6 mo4.00%
- 12 mo4.00%
- 24 mo4.00%
- 36 mo4.10%
- 48 mo4.20%
- 60 mo4.30%
How much interest could a Bank of Utica CD earn?
Estimated interest at maturity for the displayed institution quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.
$2,343.02 interest · $12,343.02 at maturity on $10,000.00.
4.30% APY · 60 months · CD · Standard · verified October 22, 2026.
Before tax; interest remains deposited. Confirm all product conditions. Estimate one-year purchasing power.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 3 months | Not estimated | $90.993.70% APY · CD · Standard | $227.483.70% APY · CD · Standard | $454.963.70% APY · CD · Standard |
| 6 months | $99.294.00% APY · CD · Standard | $198.594.00% APY · CD · Standard | $496.474.00% APY · CD · Standard | $992.934.00% APY · CD · Standard |
| 12 months | $200.004.00% APY · CD · Standard | $400.004.00% APY · CD · Standard | $1,000.004.00% APY · CD · Standard | $2,000.004.00% APY · CD · Standard |
| 24 months | $408.004.00% APY · CD · Standard | $816.004.00% APY · CD · Standard | $2,040.004.00% APY · CD · Standard | $4,080.004.00% APY · CD · Standard |
| 36 months | $640.564.10% APY · CD · Standard | $1,281.124.10% APY · CD · Standard | $3,202.804.10% APY · CD · Standard | $6,405.604.10% APY · CD · Standard |
| 48 months | $894.424.20% APY · CD · Standard | $1,788.834.20% APY · CD · Standard | $4,472.094.20% APY · CD · Standard | $8,944.174.20% APY · CD · Standard |
| 60 months | $1,171.514.30% APY · CD · Standard | $2,343.024.30% APY · CD · Standard | $5,857.564.30% APY · CD · Standard | $11,715.124.30% APY · CD · Standard |
How Bank of Utica compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 1825-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 26 of 207 tracked institutions with fresh 1825-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.
| Institution / benchmark | Term | Minimum | Quote coverage | APY | Verified / source date |
|---|---|---|---|---|---|
| Bank of Utica (this institution)CD · Standard | 60 months | $1,000 | Coverage: NY | 4.30% | October 22, 2026 |
| Popular DirectCertificate of Deposit · Standard | 60 months | $10,000 | Nationwide; check eligibility | 5.00% | October 22, 2026 |
| Quorum Federal Credit Union60-Month Term Account · Standard | 60 months | $100 | Coverage: NY | 5.00% | October 22, 2026 |
| E*TRADE (Morgan Stanley Private Bank)Bank CD · Promotional | 60 months | Not stated | Nationwide; check eligibility | 4.80% | October 22, 2026 |
| Tower Federal Credit Union (highest tracked APY for this term)Mini-Jumbo Share Certificate · Standard | 60 months | $20,000 | Coverage: MD | 5.05% | October 22, 2026 |
| Treasury (APY-equivalent) | 60 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 5.01% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking Bank of Utica on October 22, 2026.
About Bank of Utica
- Legal name
- Bank of Utica
- Regulator ID
- FDIC 13397
- Headquarters
- Utica, NY
- Available in
- NY
- Total assets
- $1.5 billion
- Also known as
- Website
- www.bankofutica.com
Source: rates read from https://www.bankofutica.com/rates/index.php. See the page text we read.
Frequently asked questions
What is the highest CD rate at Bank of Utica?
Among the rates we track, 4.30% APY on a 60-month CD, as of October 22, 2026.
What is the minimum deposit for a Bank of Utica CD?
The lowest minimum we found is $1,000; jumbo and higher balance tiers start at up to $10,000.
How does Bank of Utica's best CD rate compare with Treasury yields?
4.30% APY is −0.71% versus the 60-month Treasury yield of 5.01% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 4.30% a good CD rate?
It is 3.0 times the FDIC national average for a similar term (1.41% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.
Are Bank of Utica CDs insured?
Bank of Utica is an FDIC-insured bank (FDIC 13397). Deposits are insured up to $250,000 per depositor, per ownership category.
How often is this page updated?
We check Bank of Utica's rate page every day. The rates above were last verified on October 22, 2026.
More bank CD rates
Rates are copied from Bank of Utica's website and may change at any time. Confirm terms, minimums and eligibility with Bank of Utica before opening an account. This page is not financial advice.