What are Bank of Utica's interest rates?

Written by Editorial Team | Last Updated: August 2026

Interest rates provided by the Bank of Utica span a competitive suite of retail and commercial deposit products designed to encourage savings and capital growth. Standard personal savings accounts yield an annual percentage yield of approximately 2.10 percent, requiring a modest minimum balance to earn interest. Money market accounts offer variable yields around 2.00 percent annual percentage yield for qualifying tier balances. Standard checking configurations provide baseline returns, while certificates of deposit feature fixed maturities ranging from 6 months to 60 months, with yields scaling up to roughly 4.10 percent annual percentage yield for longer-term commitments.

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