Utica District Telephone Employees Credit Union
Verified rate book
Current Utica District Telephone Employees Credit Union rates
53 published offers verified as of August 3, 2026.
Mortgage rates
6 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| 30-Year Fixed30 year fixed | 6.772% APR | 6.625% | — | Standard |
| VA 30-Year Fixed30 year fixed | 6.909% APR | 6.500% | — | Standard |
| USDA 30-Year Fixed30 year fixed | 7.037% APR | 6.375% | — | Standard |
| FHA 30-Year Fixed30 year fixed | 7.311% APR | 6.375% | — | Standard |
| 15-Year Fixed15 year fixed | 6.356% APR | 6.250% | — | Standard |
| 20-Year Fixed20 year fixed | 6.946% APR | 6.750% | — | Standard |
Auto & vehicle rates
20 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| OTHER RV’Srv_any_24mo | 4.500% APR | 4.500% | 24 mo | Standard |
| RV Loanrv | 4.500% APR | 4.500% | — | Standard |
| Other RV, Snowmobile, Jetski, Dirtbike, ATV, Equipment, Etc.rv_any_36mo | 4.500% APR | 4.500% | 36 mo | Standard |
| New Auto Loanauto_new | 4.750% APR | 4.750% | new | Standard |
| New Vehicle – Auto, Motorcycle, Boatmotorcycle_new_24mo | 4.750% APR | 4.750% | 24 mo · new | Standard |
| 48-Month Used Auto Loanauto_used_48mo | 5.000% APR | 5.000% | 48 mo · used | Standard |
| Used Vehicle – Auto, Motorcycle, Boatmotorcycle_used_24mo | 5.000% APR | 5.000% | 24 mo · used | Standard |
| New Vehicle – Auto, Motorcycle, Boatmotorcycle_new_60mo | 5.000% APR | 5.000% | 60 mo · new | Standard |
| RV’s, Motorhomes, Campers & Trailersrv_any_48mo | 5.000% APR | 5.000% | 48 mo | Standard |
| New Vehicle – Auto, Motorcycle, Boatmotorcycle_new_72mo | 5.250% APR | 5.250% | 72 mo · new | Standard |
| RV’s, Motorhomes, Campers & Trailersrv_any_60mo | 5.250% APR | 5.250% | 60 mo | Standard |
| Used Vehicle – Auto, Motorcycle, Boatmotorcycle_used_60mo | 5.250% APR | 5.250% | 60 mo · used | Standard |
| Used Vehicle – Auto, Motorcycle, Boatmotorcycle_used_72mo | 5.500% APR | 5.500% | 72 mo · used | Standard |
| New Vehicle – Auto, Motorcycle, Boatmotorcycle_new_84mo | 5.500% APR | 5.500% | 84 mo · new | Standard |
| Other RV, Snowmobile, Jetski, Dirtbike, ATV, Equipment, Etc.rv_any_60mo | 5.500% APR | 5.500% | 60 mo | Standard |
| RV’s, Motorhomes, Campers & Trailersrv_any_72mo | 5.500% APR | 5.500% | 72 mo | Standard |
| RV’s, Motorhomes, Campers & Trailersrv_any_84mo | 5.750% APR | 5.750% | 84 mo | Standard |
| RV’s, Motorhomes, Campers & Trailersrv_any_96mo | 6.000% APR | 6.000% | 96 mo | Standard |
| RV’s, Motorhomes, Campers & Trailersrv_any_120mo | 6.500% APR | 6.500% | 120 mo | Standard |
| RV’s, Motorhomes, Campers & Trailersrv_any_144mo | 7.000% APR | 7.000% | 144 mo | Standard |
HELOC rates
2 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| HELOCheloc | 4.800% APR | 4.800% | — | Standard |
| HELOC (Variable)heloc_variable | 4.800% APR | 4.800% | — | Standard |
Personal loan rates
13 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Share-Secured Loanpersonal_secured | 4.000% APR | 4.000% | — | Standard |
| Share Secured (100%)personal_secured_12mo | 4.000% APR | 4.000% | 12 mo | Standard |
| Share Secured (100%)personal_secured_24mo | 4.250% APR | 4.250% | 24 mo | Standard |
| Share Secured (100%)personal_secured_36mo | 4.500% APR | 4.500% | 36 mo | Standard |
| Share Secured (100%)personal_secured_48mo | 4.750% APR | 4.750% | 48 mo | Standard |
| Share Secured (100%)personal_secured_60mo | 5.000% APR | 5.000% | 60 mo | Standard |
| Share Secured (100%)personal_secured_72mo | 5.250% APR | 5.250% | 72 mo | Standard |
| Unsecured (Includes Home Improvement)personal_unsecured_12mo | 8.000% APR | 8.000% | 12 mo | Standard |
| Unsecured Personal Loanpersonal_unsecured | 8.000% APR | 8.000% | — | Standard |
| Unsecured (Includes Home Improvement)personal_unsecured_24mo | 8.250% APR | 8.250% | 24 mo | Standard |
| Unsecured (Includes Home Improvement)personal_unsecured_36mo | 8.500% APR | 8.500% | 36 mo | Standard |
| Unsecured (Includes Home Improvement)personal_unsecured_48mo | 8.750% APR | 8.750% | 48 mo | Standard |
| Unsecured (Includes Home Improvement)personal_unsecured_60mo | 9.000% APR | 9.000% | 60 mo | Standard |
Credit card rates
1 offer| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Credit Cardcredit_card | 9.950% APR | 9.950% | — | Standard |
Savings & CD rates
11 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| REGULAR SHARESsavings | 0.40% APY | 0.40% | — | Standard |
| CLUB ACCOUNTsavings | 0.50% APY | 0.50% | — | Standard |
| DAILY MARKETsavings | 1.26% APY | 1.25% | — | Standard |
| IRAira | 2.52% APY | 2.50% | — | Standard |
| 6-Month Certificateshare_certificate_6mo | 3.56% APY | 3.50% | 6 mo | Standard |
| 6 MO. SHARE CERT.cd_6mo | 3.56% APY | 3.50% | 6 mo | Standard |
| 12-Month Certificateshare_certificate_12mo | 4.06% APY | 4.00% | 12 mo | Standard |
| 30 MO. SHARE CERT.cd_30mo | 4.06% APY | 4.00% | 30 mo | Standard |
| 12 MO. SHARE CERT.cd_12mo | 4.06% APY | 4.00% | 12 mo | Standard |
| Certificatecd | 4.06% APY | 4.06% | — | Standard |
| 30-Month Certificateshare_certificate_30mo | 4.06% APY | 4.00% | 30 mo | Standard |
As of August 3, 2026, Utica District Telephone Employees Credit Union offers a 30-year fixed mortgage at 6.772% APR. Vehicle loans available from 4.5% APR for 24 months. HELOC rates from 4.8% APR. Personal loan rates from 4% APR. Credit card rates from 9.95% APR. Savings and certificate yields up to 4.06% APY.
Source: RateAPI.dev, verified from Utica District Telephone Employees Credit Union's official website
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About Utica District Telephone Employees Credit Union
Institution facts reported to the National Credit Union Administration for Invalid Date.
- Members
- 1.7K
- Assets
- $40M
- Founded
- 1956
- Locations reported
- 2
- NCUA charter
- 11157
- Charter type
- Federal credit union
Services and member support
- Online loan application
- Electronic statements
- Mobile check deposit
- Mobile payments
- Financial counseling
- Student scholarships
Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.
Other credit unions with branches nearby
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Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance.
Who Can Join Utica District Telephone Employees Credit Union
Membership eligibility from Utica District Telephone Employees Credit Union's own published criteria. How we verify this.
Membership via employers (Verizon +2 more)
- EmployerVerizon, Spectrum Cable, Northland Communications
Verified from Utica District Telephone Employees Credit Union's membership page. Final membership determination is always made by the credit union.
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Frequently Asked Questions
What rates does Utica District Telephone Employees Credit Union offer?
Utica District Telephone Employees Credit Union currently offers mortgage, vehicle loan, HELOC, personal loan, and credit card rates. The rates shown on this page were last verified August 3, 2026 directly from the credit union's official website.
How often are Utica District Telephone Employees Credit Union rates updated?
RateAPI verifies Utica District Telephone Employees Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 3, 2026.
Where does RateAPI get Utica District Telephone Employees Credit Union's rate data?
Rate data is collected directly from Utica District Telephone Employees Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.
What is Utica District Telephone Employees Credit Union's mortgage rate?
As of August 3, 2026, Utica District Telephone Employees Credit Union offers a 30-year fixed mortgage at 6.772% APR.
What are Utica District Telephone Employees Credit Union's auto, rv & motorcycle loan rates?
As of August 3, 2026, Utica District Telephone Employees Credit Union offers vehicle loans from 4.5% APR.
What is Utica District Telephone Employees Credit Union's HELOC rate?
As of August 3, 2026, Utica District Telephone Employees Credit Union offers home equity lines of credit from 4.8% APR.
What is Utica District Telephone Employees Credit Union's personal loan rate?
As of August 3, 2026, Utica District Telephone Employees Credit Union offers personal loans from 4% APR.
What is Utica District Telephone Employees Credit Union's best CD rate?
As of August 3, 2026, Utica District Telephone Employees Credit Union offers savings and certificate (CD) yields up to 4.06% APY.
Related Rate Data
Compare Utica District Telephone Employees Credit Union's rates against national credit-union benchmarks.
Source Information
Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.
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# Get rates for Utica District Telephone Employees Credit Union
curl "https://api.rateapi.dev/credit-unions/new-york/utica-district-telephone-employees" \
-H "Authorization: Bearer YOUR_API_KEY"