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First Bank of Utica

For over 125 years we've been dedicated to providing the financial services you need to be successful.

Rates

Rates are subject to change without notice. Please call 855-534-2191, option1 for the most current rates and for specific account details.

Certificate of Deposit

Term Minimum Opening Balance APY Interest Rate
91 Day Certificate $500 .40% .40%
182 Day Certificate $500 .45% .45%
12 Month Certificate $500 .85% .85%
18 Month Certificate $500 1.10% 1.10%
24 Month Certificate $500 1.20% 1.20%
30 Month Certificate $500 1.40% 1.41%
36 Month Certificate $500 1.60% 1.61%
48 Month Certificate $1,000 1.65% 1.66%
60 Month Certificate $1,000 2.00% 2.01%
       

Savings

Term Minimum Opening Balance APY Interest Rate
Regular Savings   .20% .20%

Checking

Term Minimum Opening Balance APY Interest Rate
NOW   $700 .05% .05%
         
SUPER NOW $700* $1,000 .05% .05%
$1,000* $1,000 .10% .10%
$20,000* $1,000 .20% .20%
         
Money Market Account $1,000* $1,000 .15% .15%
$20,000* $1,000 .20% .20%
$100,000* $1,000 .50% .50%

IRA

Term Minimum Opening Balance APY Interest
Rate
12 Month IRA Fixed $500 .85% .85%
18 Month IRA Fixed $500 1.10% 1.10%
24 Month IRA Fixed $500 1.20% 1.20%
30 Month IRA Fixed $500 1.40% 1.41%
36 Month IRA Fixed $500 1.60% 1.61%
48 Month IRA Fixed $1,000 1.65% 1.66%
60 Month IRA Fixed $1,000 2.00% 2.01%

With IRAs, guidelines established in accordance with Internal Revenue Service rules apply; i.e. age limit to deposit funds, age limit to withdraw funds and contribution amounts. Current contribution limits for Traditional and Roth IRAs are:

Year Maximum Annual
Contribution Amount
2013 $ 5,500.00
2012 $ 5,000.00

Age 50 or older by 12/31/08: Add $1,000


Fees could reduce the earnings on the account

A Penalty may be imposed for early withdrawal

* Minimum average daily balance required to obtain the disclosed APY

After June 30, 2010, funds held in noninterest-bearing transaction accounts will no longer be guaranteed in full under the Transaction Account Guarantee program, but will be insured up to $250,000 under the FDIC's general deposit insurance rules.

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