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Source: https://www.bankofutica.com/rates/index.php
Read: 2026-10-22T16:21:05.000Z

Rates | Bank of Utica FDIC FDIC-insured — Backed by the full faith and credit of the U.S. Government
Account Type | Interest Rate | Annual Percentage Yield | Compounding# | Minimum Opening Deposit | Minimum Average Available Balance to Obtain APY
Personal (Apply Online) | 0.100% | 0.10% | M | $25.00 | $500.00
Business | 0.100% | 0.10% | M | $50.00 | $500.00
Tax-Exempt | 0.100% | 0.10% | M | $50.00 | $500.00
Municipal | 0.100% | 0.10% | M | $50.00 | $500.00
Account Type | Interest Rate | Annual Percentage Yield | Compounding# | Minimum Opening Deposit | Minimum Average Daily Balance to Obtain APY
Personal MMA * (Apply Online) | 2.179% | 2.20% | M | $1,000.00 | $1,000.00
IRA MMA * | 2.179% | 2.20% | M | $1.00 | $1.00
Business MMA * | 2.179% | 2.20% | M | $1,000.00 | $1,000.00
Tax Exempt MMA * | 2.179% | 2.20% | M | $1,000.00 | $1,000.00
Municipal MMA * | 2.179% | 2.20% | M | $1,000.00 | $1,000.00
*If your average available balance is more than $5 million, the APY quoted above is paid on the first $5 million. The APY paid on the balance above $5 million is 2.00%.
Account Type | Interest Rate | Annual Percentage Yield | Compounding# | Minimum Opening Deposit | Minimum Average Daily Balance to Obtain APY
Statement Savings * (Apply Online) | 2.277% | 2.30% | M | $100.00 | $250.00
Health Savings * | 0.996% | 1.00% | M | $1.00 | $1.00
Christmas Club (max $10,000) | 1.986% | 2.00% | Q | $5.00 | $5.00
*If your average available balance is more than $5 million, the APY quoted above is paid on the first $5 million. The APY paid on the balance above $5 million is 2.00%.
UNDER $100,000 | OVER $100,000
Account Type | Interest Rate | Annual Percentage Yield | Minimum Opening Deposit and Balance to Obtain APY | Compounding# | Interest Rate | Annual Percentage Yield
3 months up to 6 (Apply Online) | 3.650% | 3.70% | $10,000.00 | Q
6 months up to 1 year (Apply Online) | 3.942% | 4.00% | $1000.00 | Q
1 year up to 2 (Apply Online) | 3.942% | 4.00% | $1000.00 | Q
2 years up to 3 (Apply Online) | 3.942% | 4.00% | $1000.00 | Q
3 years up to 4 (Apply Online) | 4.039% | 4.10% | $1000.00 | Q
4 years up to 5 (Apply Online) | 4.136% | 4.20% | $1000.00 | Q
5 years (Apply Online) | 4.233% | 4.30% | $1000.00 | Q
Account Type | Interest Rate | Annual Percentage Yield | Compounding# | Minimum Opening Deposit and Balance to Obtain APY
1 year up to 2 | 3.942% | 4.00% | Q | $1000.00
2 years up to 3 | 3.942% | 4.00% | Q | $1000.00
3 years up to 4 | 4.039% | 4.10% | Q | $1000.00
4 years up to 5 | 4.136% | 4.20% | Q | $1000.00
5 years | 4.233% | 4.30% | Q | $1000.00
Remaining Term | Penalty To Be Paid
One Year or Less | Three Months Interest
Over One Year through Two Years | Six Months Interest
Over Two Years through Three Years | Nine Months Interest
Over Three Years through Four Years | Twelve months Interest
Over Four Years through Five Years | Fifteen Months Interest