--- title: "Utica Gas & Electric Emp Credit Union Rates (Nov 2026): CDs to 4.75%" description: "Utica Gas & Electric Emp Credit Union rates today: savings & CDs up to 4.75% APY. Every rate verified daily from the official website — no pay-to-rank. See who can join Utica Gas & Electric Emp Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/new-york/utica-gas-electric-emp" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Utica Gas & Electric Emp Credit Union Rates (Nov 2026): CDs to 4.75% ### Auto & vehicle rates 10 offers | Product | Published | Rate | Term / condition | Status | | **48-Month New Auto Loan** auto_new_48mo | — APR | 4.490% | 48 mo · new | Standard | | **48-Month Used Auto Loan** auto_used_48mo | — APR | 4.990% | 48 mo · used | Standard | | **New Boat, RV*** boat_new_48mo | — APR | 4.990% | 48 mo · new | Standard | | **72-Month New Auto Loan** auto_new_72mo | — APR | 4.990% | 72 mo · new | Standard | | **84-Month New Auto Loan** auto_new_84mo | — APR | 5.490% | 84 mo · new | Standard | | **72-Month Used Auto Loan** auto_used_72mo | — APR | 5.740% | 72 mo · used | Standard | | **New Boat, RV*** boat_new_72mo | — APR | 5.990% | 72 mo · new | Standard | | **84-Month Used Auto Loan** auto_used_84mo | — APR | 6.490% | 84 mo · used | Standard | | **96-Month New Auto Loan** auto_new_96mo | — APR | 6.490% | 96 mo · new | Standard | | **New Boat, RV*** boat_new_96mo | — APR | 7.500% | 96 mo · new | Standard | Utica Gas & Electric Emp Credit Union auto & vehicle rates as of November 13, 2026 ### HELOC rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Home Equity Loan (Fixed)** heloc_fixed | — APR | 5.990% | — | Standard | | **Thereafter - rate will be Prime Rate (PR)** heloc_variable | — APR | 10.000% | — | Standard | Utica Gas & Electric Emp Credit Union heloc rates as of November 13, 2026 ### Personal loan rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Unsecure Personal*** personal_unsecured_48mo | — APR | 8.250% | 48 mo | Standard | | **Unsecure Personal*** personal_unsecured_60mo | — APR | 8.750% | 60 mo | Standard | Utica Gas & Electric Emp Credit Union personal loan rates as of November 13, 2026 ### Savings & CD rates 10 offers | Product | Published | Rate | Term / condition | Status | | **Share Draft (Checking)** checking | 0.10% APY | 0.10% | — | Standard | | **Savings** savings | 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 up** money_market | 1.00% APY | 1.00% | — | Standard | | **Christmas Club** savings | — APY | 2.00% | — | Specialty offer | | **Monthly/Monthly** savings | 4.50% APY | 4.41% | — | Standard | | **10-Month Certificate** cd_10mo | — APY | 4.50% | 10 mo | Standard | | **Variable IRA Savings** ira | 4.50% APY | 4.41% | — | Standard | | **12-Month IRA Certificate** ira_cd_12mo | 4.50% APY | 4.43% | 12 mo | Standard | | **60-Month IRA Certificate** ira_cd_60mo | 4.75% APY | 4.67% | 60 mo | Standard | | **36-Month IRA Certificate** ira_cd_36mo | 4.75% APY | 4.67% | 36 mo | Standard | Utica Gas & Electric Emp Credit Union savings & cd rates as of November 13, 2026 ### Other rates 2 offers | Product | Published | Rate | Term / condition | Status | | **15 Year Pay Back After The Draw Period Expires** other | — % | 2.990% | — | Standard | | **Qrtly/Qrtly** other | — % | 4.500% | — | Standard | Utica Gas & Electric Emp Credit Union other rates as of November 13, 2026 Savings and certificate yields up to 4.75% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/new-york/utica-gas-electric-emp) , verified from [Utica Gas & Electric Emp Credit Union's official website](https://www.ugefcu.com/) Loading branch locator… ## 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](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . 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. [**First Source** First Source Federal Credit Union · New Hartford · NY · 13413-2825 About 0.4 miles away](https://rateapi.dev/credit-unions/new-york/first-source) [**Utica District Telephone Employees** CREDIT UNION LOT · UTICA · NY · 13502 About 1.0 miles away](https://rateapi.dev/credit-unions/new-york/utica-district-telephone-employees) [**G.p.o.** GPO Federal Credit Union · Utica · NY · 13501 About 1.0 miles away](https://rateapi.dev/credit-unions/new-york/gpo) [**Empower** Utica · Utica · NY · 13502-5627 About 1.9 miles away](https://rateapi.dev/credit-unions/new-york/empower) [**Special Metals** Main Office · New Hartford · NY · 13413-5316 About 3.3 miles away](https://rateapi.dev/credit-unions/new-york/special-metals) [**Americu** Commercial Drive · Yorkville · NY · 13495-1102 About 3.4 miles away](https://rateapi.dev/credit-unions/new-york/americu) 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](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Utica Gas & Electric Emp Credit Union's website. Check the membership page below to confirm whether you qualify. - Employer Niagara Mohawk, National Grid, Adjust Property Group, LLC, Apple Betty Restaurant, A.S. Neurology, PC, Bailey Development Company, LLC, Black River Systems Co., Inc., Bonomo's Dari Creme, Bruce Daniels, P.C., C.A. Riddle Consulting, Clean by Sunrise, Inc., 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., 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., Men's Warehouse, M.E.I.D. LLC, 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, 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 Verified from [Utica Gas & Electric Emp Credit Union's membership page](https://www.ugefcu.com/about/) . Final membership determination is always made by the credit union. ## Membership rules for Utica Gas & Electric Emp Credit Union Employers 67 67 published paths to membership, last verified August 27, 2026, quoted from Utica Gas & Electric Emp Credit Union’s own published criteria. ### Employers 67 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Employee of Niagara Mohawk (as written on the source page) “For more than 80 years, UGEFCU has been serving the financial needs of the employees of Niagara Mohawk and now, National Grid.” > [source ↗](https://www.ugefcu.com/about/) - Employee of Niagara Mohawk - Employee of National Grid “For more than 80 years, UGEFCU has been serving the financial needs of the employees of Niagara Mohawk and now, National Grid.” > [source ↗](https://www.ugefcu.com/about/) - Employee of National Grid - Employee of Adjust Property Group, LLC “Adjust Property Group, LLC” > [source ↗](https://www.ugefcu.com/about/) - Employee of Adjust Property Group, LLC - Employee of Apple Betty Restaurant “Apple Betty Restaurant” > [source ↗](https://www.ugefcu.com/about/) - Employee of Apple Betty Restaurant - Employee of A.S. Neurology, PC “A.S. Neurology, PC” > [source ↗](https://www.ugefcu.com/about/) - Employee of A.S. Neurology, PC - Employee of Bailey Development Company, LLC “Bailey Development Company, LLC” > [source ↗](https://www.ugefcu.com/about/) - Employee of Bailey Development Company, LLC - Employee of Black River Systems Co., Inc. “Black River Systems Co., Inc.” > [source ↗](https://www.ugefcu.com/about/) - Employee of Black River Systems Co., Inc. - Employee of Bonomo's Dari Creme “Bonomo's Dari Creme” > [source ↗](https://www.ugefcu.com/about/) - Employee of Bonomo's Dari Creme - Employee of Bruce Daniels, P.C. “Bruce Daniels, P.C.” > [source ↗](https://www.ugefcu.com/about/) - Employee of Bruce Daniels, P.C. - Employee of C.A. Riddle Consulting “C.A. Riddle Consulting” > [source ↗](https://www.ugefcu.com/about/) - Employee of C.A. Riddle Consulting - Employee of Clean by Sunrise, Inc. “Clean by Sunrise, Inc.” > [source ↗](https://www.ugefcu.com/about/) - Employee of Clean by Sunrise, Inc. - Employee of Coldwell Banker/Cynthia Major “Coldwell Banker/Cynthia Major” > [source ↗](https://www.ugefcu.com/about/) - Employee of Coldwell Banker/Cynthia Major - Employee of Complete Comfort Zone “Complete Comfort Zone” > [source ↗](https://www.ugefcu.com/about/) - Employee of Complete Comfort Zone - Employee of Country Woodworkers “Country Woodworkers” > [source ↗](https://www.ugefcu.com/about/) - Employee of Country Woodworkers - Employee of Custom Appraisals “Custom Appraisals” > [source ↗](https://www.ugefcu.com/about/) - Employee of Custom Appraisals - Employee of Daniel E. Bateman Construction “Daniel E. Bateman Construction” > [source ↗](https://www.ugefcu.com/about/) - Employee of Daniel E. Bateman Construction - Employee of DeCarlo Claim Services, Inc. “DeCarlo Claim Services, Inc.” > [source ↗](https://www.ugefcu.com/about/) - Employee of DeCarlo Claim Services, Inc. - Employee of Deerfield Volunteer Fire Department “Deerfield Volunteer Fire Department” > [source ↗](https://www.ugefcu.com/about/) - Employee of Deerfield Volunteer Fire Department - Employee of Dental Practices of Dr. Putnam and Dr. Massi “Dental Practices of Dr. Putnam and Dr. Massi” > [source ↗](https://www.ugefcu.com/about/) - Employee of Dental Practices of Dr. Putnam and Dr. Massi - Employee of Diesel Construction “Diesel Construction” > [source ↗](https://www.ugefcu.com/about/) - Employee of Diesel Construction - Employee of E.B. Enterprises “E.B. Enterprises” > [source ↗](https://www.ugefcu.com/about/) - Employee of E.B. Enterprises - Employee of Energy Service Technologies, LLC “Energy Service Technologies, LLC” > [source ↗](https://www.ugefcu.com/about/) - Employee of Energy Service Technologies, LLC - Employee of Eversan, Inc. “Eversan, Inc.” > [source ↗](https://www.ugefcu.com/about/) - Employee of Eversan, Inc. - Employee of Family Fun Factory CNY, LLC. “Family Fun Factory CNY, LLC.” > [source ↗](https://www.ugefcu.com/about/) - Employee of Family Fun Factory CNY, LLC. - Employee of Fort Orange Claim Service, Inc “Fort Orange Claim Service, Inc” > [source ↗](https://www.ugefcu.com/about/) - Employee of Fort Orange Claim Service, Inc - Employee of Frank's Body Works, LLC “Frank's Body Works, LLC” > [source ↗](https://www.ugefcu.com/about/) - Employee of Frank's Body Works, LLC - Employee of G.E. Ski Club, Inc. “G.E. Ski Club, Inc.” > [source ↗](https://www.ugefcu.com/about/) - Employee of G.E. Ski Club, Inc. - Employee of Graziadei Building Group, Inc. “Graziadei Building Group, Inc.” > [source ↗](https://www.ugefcu.com/about/) - Employee of Graziadei Building Group, Inc. - Employee of Gridley Paige Inc. “Gridley Paige Inc.” > [source ↗](https://www.ugefcu.com/about/) - Employee of Gridley Paige Inc. - Employee of Inserra's Flooring Outlet Inc. “Inserra's Flooring Outlet Inc.” > [source ↗](https://www.ugefcu.com/about/) - Employee of Inserra's Flooring Outlet Inc. - Employee of J. Priore Construction Co., Inc. “J. Priore Construction Co., Inc.” > [source ↗](https://www.ugefcu.com/about/) - Employee of J. Priore Construction Co., Inc. - Employee of James N. Foss Inc. “James N. Foss Inc.” > [source ↗](https://www.ugefcu.com/about/) - Employee of James N. Foss Inc. - Employee of Joe Tahan's Furniture “Joe Tahan's Furniture” > [source ↗](https://www.ugefcu.com/about/) - Employee of Joe Tahan's Furniture - Employee of Jul J Properties, Inc. “Jul J Properties, Inc.” > [source ↗](https://www.ugefcu.com/about/) - Employee of Jul J Properties, Inc. - Employee of Kane's Energy Solutions “Kane's Energy Solutions” > [source ↗](https://www.ugefcu.com/about/) - Employee of Kane's Energy Solutions - Employee of Leatherstocking Abstract and Title Corp “Leatherstocking Abstract and Title Corp” > [source ↗](https://www.ugefcu.com/about/) - Employee of Leatherstocking Abstract and Title Corp - Employee of Leslie R. Lewis ATTY @ Law “Leslie R. Lewis ATTY @ Law” > [source ↗](https://www.ugefcu.com/about/) - Employee of Leslie R. Lewis ATTY @ Law - Employee of Mahoney's Services, Inc. “Mahoney's Services, Inc.” > [source ↗](https://www.ugefcu.com/about/) - Employee of Mahoney's Services, Inc. - Employee of Men's Warehouse “Men's Warehouse” > [source ↗](https://www.ugefcu.com/about/) - Employee of Men's Warehouse - Employee of M.E.I.D. LLC “M.E.I.D. LLC” > [source ↗](https://www.ugefcu.com/about/) - Employee of M.E.I.D. LLC - Employee of M.J.B. Electronics “M.J.B. Electronics” > [source ↗](https://www.ugefcu.com/about/) - Employee of M.J.B. Electronics - Employee of Mohawk Valley Water Authority “Mohawk Valley Water Authority” > [source ↗](https://www.ugefcu.com/about/) - Employee of Mohawk Valley Water Authority - Employee of Mulligan's “Mulligan's” > [source ↗](https://www.ugefcu.com/about/) - Employee of Mulligan's - Employee of Mumford Driveway Sealing “Mumford Driveway Sealing” > [source ↗](https://www.ugefcu.com/about/) - Employee of Mumford Driveway Sealing - Employee of Northern Sprayfoam “Northern Sprayfoam” > [source ↗](https://www.ugefcu.com/about/) - Employee of Northern Sprayfoam - Employee of Olde Wicker Mill “Olde Wicker Mill” > [source ↗](https://www.ugefcu.com/about/) - Employee of Olde Wicker Mill - Employee of Packy's Pub “Packy's Pub” > [source ↗](https://www.ugefcu.com/about/) - Employee of Packy's Pub - Employee of Patrick Heating of the Mohawk Valley, Inc. “Patrick Heating of the Mohawk Valley, Inc.” > [source ↗](https://www.ugefcu.com/about/) - Employee of Patrick Heating of the Mohawk Valley, Inc. - Employee of Peck Farms “Peck Farms” > [source ↗](https://www.ugefcu.com/about/) - Employee of Peck Farms - Employee of Pizza Boys Pizzeria, LLC “Pizza Boys Pizzeria, LLC” > [source ↗](https://www.ugefcu.com/about/) - Employee of Pizza Boys Pizzeria, LLC - Employee of Schmitt and Lascurettes LLC “Schmitt and Lascurettes LLC” > [source ↗](https://www.ugefcu.com/about/) - Employee of Schmitt and Lascurettes LLC - Employee of Sherrill City School District (VVS) “Sherrill City School District (VVS)” > [source ↗](https://www.ugefcu.com/about/) - Employee of Sherrill City School District (VVS) - Employee of Silk Utica, LLC “Silk Utica, LLC” > [source ↗](https://www.ugefcu.com/about/) - Employee of Silk Utica, LLC - Employee of SJ Excavation “SJ Excavation” > [source ↗](https://www.ugefcu.com/about/) - Employee of SJ Excavation - Employee of The Buck Group “The Buck Group” > [source ↗](https://www.ugefcu.com/about/) - Employee of The Buck Group - Employee of The Skenandoa Club “The Skenandoa Club” > [source ↗](https://www.ugefcu.com/about/) - Employee of The Skenandoa Club - Employee of The Town of New Hartford “The Town of New Hartford” > [source ↗](https://www.ugefcu.com/about/) - Employee of The Town of New Hartford - Employee of Tony Cee Associates, Inc. “Tony Cee Associates, Inc.” > [source ↗](https://www.ugefcu.com/about/) - Employee of Tony Cee Associates, Inc. - Employee of Town of Remsen “Town of Remsen” > [source ↗](https://www.ugefcu.com/about/) - Employee of Town of Remsen - Employee of Trackside Auto Parts (NAPA) “Trackside Auto Parts (NAPA)” > [source ↗](https://www.ugefcu.com/about/) - Employee of Trackside Auto Parts (NAPA) - Employee of Utica University “Utica University” > [source ↗](https://www.ugefcu.com/about/) - Employee of Utica University - Employee of WB Enterprises of CNY LLC “WB Enterprises of CNY LLC” > [source ↗](https://www.ugefcu.com/about/) - Employee of WB Enterprises of CNY LLC - Employee of YWCA Of the Mohawk Valley “YWCA Of the Mohawk Valley” > [source ↗](https://www.ugefcu.com/about/) - Employee of YWCA Of the Mohawk Valley - Employee of Ziyara Shriners “Ziyara Shriners” > [source ↗](https://www.ugefcu.com/about/) - Employee of Ziyara Shriners - Employee of 1001 Park Ave LLC “1001 Park Ave LLC” > [source ↗](https://www.ugefcu.com/about/) - Employee of 1001 Park Ave LLC - Employee of 3 Brothers Sealcoating “3 Brothers Sealcoating” > [source ↗](https://www.ugefcu.com/about/) - Employee of 3 Brothers Sealcoating - Employee of Niagara Mohawk “For more than 80 years, UGEFCU has been serving the financial needs of the employees of Niagara Mohawk and now, National Grid.” > [source ↗](https://www.ugefcu.com/about/) - Employee of Niagara Mohawk Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Utica Gas & Electric Emp Credit Union? Yes No ## Work at Utica Gas & Electric Emp Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Utica Gas & Electric Emp Credit Union ranks against New York peers. - See which AI assistants fetched Utica Gas & Electric Emp Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in New York - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=utica-gas-electric-emp&state=new-york&code=NY&name=Utica%20Gas%20%26%20Electric%20Emp%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## 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 November 13, 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 November 13, 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 is Utica Gas & Electric Emp Credit Union's best CD rate? As of November 13, 2026, Utica Gas & Electric Emp Credit Union offers savings and certificate (CD) yields up to 4.75% APY. ### Who can join Utica Gas & Electric Emp Credit Union? Utica Gas & Electric Emp Credit Union publishes its membership criteria on its own website. RateAPI tracks 67 published membership paths covering 67 employers for Utica Gas & Electric Emp Credit Union, each quoted from Utica Gas & Electric Emp Credit Union's own published membership criteria. ## Related Rate Data Compare Utica Gas & Electric Emp Credit Union's rates against national credit-union benchmarks. [More New York credit unions](https://rateapi.dev/credit-unions/new-york) [New York auto loan rate leaders](https://rateapi.dev/auto-loan-rates/new-york) [New York HELOC rate leaders](https://rateapi.dev/heloc-rates/new-york) [New York personal loan leaders](https://rateapi.dev/personal-loan-rates/new-york) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.ugefcu.com/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Utica Gas & Electric Emp Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when New York credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # 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" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Utica Gas & Electric Emp Credit Union locations Search, filter, and browse all 3 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/new-york/utica-gas-electric-emp Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp