# Bank of Utica CD rates

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.

Canonical page: https://apyledger.com/cd-rates/bank-of-utica
Institution: Bank of Utica (FDIC 13397)
Aliases: 
Status: live
Last verified: 2026-10-22T16:21:05.000Z (October 22, 2026)
Official source: https://www.bankofutica.com/rates/index.php
Coverage: 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.
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| CD | standard | 3 months | $10,000 | 3.70% | Not ZIP-priced | −0.59% | 2026-10-22T16:21:05.000Z | [Snapshot 314](https://apyledger.com/snapshots/314) |
| CD | standard | 6 months | $1,000 | 4.00% | Not ZIP-priced | −0.40% | 2026-10-22T16:21:05.000Z | [Snapshot 314](https://apyledger.com/snapshots/314) |
| CD | standard | 12 months | $1,000 | 4.00% | Not ZIP-priced | −0.57% | 2026-10-22T16:21:05.000Z | [Snapshot 314](https://apyledger.com/snapshots/314) |
| CD | standard | 24 months | $1,000 | 4.00% | Not ZIP-priced | −0.87% | 2026-10-22T16:21:05.000Z | [Snapshot 314](https://apyledger.com/snapshots/314) |
| CD | standard | 36 months | $1,000 | 4.10% | Not ZIP-priced | −0.85% | 2026-10-22T16:21:05.000Z | [Snapshot 314](https://apyledger.com/snapshots/314) |
| CD | standard | 48 months | $1,000 | 4.20% | Not ZIP-priced | −0.78% | 2026-10-22T16:21:05.000Z | [Snapshot 314](https://apyledger.com/snapshots/314) |
| CD | standard | 60 months | $1,000 | 4.30% | Not ZIP-priced | −0.71% | 2026-10-22T16:21:05.000Z | [Snapshot 314](https://apyledger.com/snapshots/314) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.