Utica Gas & Electric Emp Credit Union
Verified rate book
Current Utica Gas & Electric Emp Credit Union rates
23 published offers verified as of August 4, 2026.
Auto & vehicle rates
7 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| 48-Month Used Auto Loanauto_used_48mo | 4.990% APR | 4.990% | 48 mo · used | Standard |
| New Boat, RV*boat_new_48mo | 4.990% APR | 4.990% | 48 mo · new | Standard |
| 72-Month Used Auto Loanauto_used_72mo | 5.740% APR | 5.740% | 72 mo · used | Standard |
| New Boat, RV*boat_new_72mo | 5.990% APR | 5.990% | 72 mo · new | Standard |
| 84-Month Used Auto Loanauto_used_84mo | 6.490% APR | 6.490% | 84 mo · used | Standard |
| 96-Month New Auto Loanauto_new_96mo | 6.490% APR | 6.490% | 96 mo · new | Standard |
| New Boat, RV*boat_new_96mo | 7.500% APR | 7.500% | 96 mo · new | Standard |
HELOC rates
2 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Home Equity Loan (Fixed)heloc_fixed | 4.500% APR | 4.500% | — | Standard |
| Thereafter - rate will be Prime Rate (PR)heloc_variable | 10.000% APR | 10.000% | — | Standard |
Personal loan rates
2 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Unsecure Personal*personal_unsecured_48mo | 8.250% APR | 8.250% | 48 mo | Standard |
| Unsecure Personal*personal_unsecured_60mo | 8.750% APR | 8.750% | 60 mo | Standard |
Savings & CD rates
10 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Share Draft (Checking)savings | 0.10% APY | 0.10% | — | Standard |
| Savingssavings | 0.35% APY | 0.35% | — | Standard |
| Money Market $500 -$24,999.99 $25,000 -$74,999.99 $75,000 -$149,999.99 $150,000 and upmoney_market | 0.80% APY | 0.80% | — | Standard |
| Christmas Clubsavings | 1.40% APY | 1.40% | — | Specialty offer |
| 60-Month IRA Certificateira_cd_60mo | 3.00% APY | 2.97% | 60 mo | Standard |
| 36-Month IRA Certificateira_cd_36mo | 3.75% APY | 3.70% | 36 mo | Standard |
| 12-Month IRA Certificateira_cd_12mo | 4.00% APY | 3.94% | 12 mo | Standard |
| Monthly/Monthlysavings | 4.15% APY | 4.07% | — | Standard |
| Variable IRA Savingsira | 4.15% APY | 4.07% | — | Standard |
| 10-Month Certificatecd_10mo | 4.50% APY | 4.50% | 10 mo | Standard |
Other rates
2 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| 15 Year Pay Back After The Draw Period Expiresother | 2.990% % | 2.990% | — | Standard |
| Qrtly/Qrtlyother | 3.000% % | 3.000% | — | Standard |
Vehicle loans available from 4.99% APR for 48 months. HELOC rates from 4.5% APR. Personal loan rates from 8.25% APR. Savings and certificate yields up to 4.50% APY.
Source: RateAPI.dev, verified from Utica Gas & Electric Emp Credit Union's official website
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About Utica Gas & Electric Emp Credit Union
Institution facts reported to the National Credit Union Administration for Invalid Date.
- Members
- 3.8K
- Assets
- $133.5M
- Founded
- 1937
- Locations reported
- 3
- NCUA charter
- 2252
- Charter type
- Federal credit union
Services and member support
- Online membership application
- Online loan application
- Open an account online
- Electronic statements
- Mobile check deposit
- Mobile payments
- Financial counseling
- Financial education
- First-time homebuyer program
- Student scholarships
Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.
Other credit unions with branches nearby
Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby.
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 Gas & Electric Emp Credit Union
Membership eligibility from Utica Gas & Electric Emp Credit Union's own published criteria. How we verify this.
Membership via employers (National Grid +74 more)
- EmployerNational Grid, Adjust Property Group, LLC, Advanced Motors & Recovery, LLC, Advanced Power & Light Inc., Apple Betty Restaurant, A.S. Neurology, PC, B & K Fencing, LLC., Bailey Development Company, LLC, Bella Vita Salon & Massage Therapy, Black River Systems Co., Inc., Bonomo's Dari Creme, Bruce Daniels, P.C., C.A. Riddle Consulting, Clean by Sunrise, Inc., CNY Allied Heating & Air, Coldwell Banker/Cynthia Major, Complete Comfort Zone, Country Woodworkers, Custom Appraisals, Daniel E. Bateman Construction, DeCarlo Claim Services, Inc., Deerfield Volunteer Fire Department, Dental Practices of Dr. Putnam and Dr. Massi, Diesel Construction, E.B. Enterprises, Energy Service Technologies, LLC, Eversan, Inc., Family Fun Factory CNY, LLC., Fort Orange Claim Service, Inc, Frank's Body Works, LLC, G.E. Ski Club, Inc., Graziadei Building Group, Inc., Gridley Paige Inc., Hynes Construction Paving & Excavating, Inserra's Flooring Outlet Inc., J. Priore Construction Co., Inc., James N. Foss Inc., Joe Tahan's Furniture, Jul J Properties, Inc., Kane's Energy Solutions, Leatherstocking Abstract and Title Corp, Leslie R. Lewis ATTY @ Law, Mahoney's Services, Inc., Matt's Sales & Service, LLC, Men's Warehouse, M.E.I.D. LLC, Michael White Painting & Asphalt Coating, M.J.B. Electronics, Mohawk Valley Water Authority, Mulligan's, Mumford Driveway Sealing, Northern Sprayfoam, Olde Wicker Mill, Packy's Pub, Patrick Heating of the Mohawk Valley, Inc., Peck Farms, Pizza Boys Pizzeria, LLC, Schmitt and Lascurettes LLC, Sherrill City School District (VVS), Silk Utica, LLC, SJ Excavation, The Buck Group, The Skenandoa Club, The Town of New Hartford, TP Brake & Muffler, TQ Nails & Spa, Tony Cee Associates, Inc., Town of Remsen, Trackside Auto Parts (NAPA), Utica University, WB Enterprises of CNY LLC, YWCA Of the Mohawk Valley, Ziyara Shriners, 1001 Park Ave LLC, 3 Brothers Sealcoating
Cost to join: About $5.
Verified from Utica Gas & Electric Emp 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 Gas & Electric Emp Credit Union offer?
Utica Gas & Electric Emp Credit Union currently offers vehicle loan, HELOC, and personal loan rates. The rates shown on this page were last verified August 4, 2026 directly from the credit union's official website.
How often are Utica Gas & Electric Emp Credit Union rates updated?
RateAPI verifies Utica Gas & Electric Emp Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 4, 2026.
Where does RateAPI get Utica Gas & Electric Emp Credit Union's rate data?
Rate data is collected directly from Utica Gas & Electric Emp Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.
What are Utica Gas & Electric Emp Credit Union's auto & boat loan rates?
As of August 4, 2026, Utica Gas & Electric Emp Credit Union offers vehicle loans from 4.99% APR.
What is Utica Gas & Electric Emp Credit Union's HELOC rate?
As of August 4, 2026, Utica Gas & Electric Emp Credit Union offers home equity lines of credit from 4.5% APR.
What is Utica Gas & Electric Emp Credit Union's personal loan rate?
As of August 4, 2026, Utica Gas & Electric Emp Credit Union offers personal loans from 8.25% APR.
What is Utica Gas & Electric Emp Credit Union's best CD rate?
As of August 4, 2026, Utica Gas & Electric Emp Credit Union offers savings and certificate (CD) yields up to 4.50% APY.
Related Rate Data
Compare Utica Gas & Electric Emp 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 Gas & Electric Emp Credit Union
curl "https://api.rateapi.dev/credit-unions/new-york/utica-gas-electric-emp" \
-H "Authorization: Bearer YOUR_API_KEY"