--- title: "Utica Police Department Credit Union Rates (Nov 2026): CDs to 4.75%" description: "Utica Police Department 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 Police Department Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/new-york/utica-police-department" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Utica Police Department 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 Police Department 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 Police Department 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 Police Department 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 Police Department 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 Police Department 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-police-department) , verified from [Utica Police Department Credit Union's official website](https://www.ugefcu.com/) Loading branch locator… ## About Utica Police Department Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 601 Assets $6.3M Founded 1937 Locations reported 1 NCUA charter 2208 Charter type Federal credit union ### Services and member support - 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 · Utica · NY · 13502 About 3.3 miles away](https://rateapi.dev/credit-unions/new-york/first-source) [**Americu** North Utica · Utica · NY · 13502-2514 About 3.6 miles away](https://rateapi.dev/credit-unions/new-york/americu) [**G.p.o.** GPO Federal Credit Union · Utica · NY · 13501 About 4.6 miles away](https://rateapi.dev/credit-unions/new-york/gpo) [**Oneida County** Oneida County Federal Federal Credit Union · Utica · NY · 13501 About 4.8 miles away](https://rateapi.dev/credit-unions/new-york/oneida-county) [**Mohawk Valley** 207 Genesee St · Utica · NY · 13501 About 4.8 miles away](https://rateapi.dev/credit-unions/new-york/mohawk-valley) [**Empower** Utica · Utica · NY · 13502-5627 About 6.6 miles away](https://rateapi.dev/credit-unions/new-york/empower) 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 Police Department Credit Union Membership eligibility from Utica Police Department Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership via employers (National Grid) - Employer National Grid **Cost to join:** About $5. Verified from [Utica Police Department Credit Union's membership page](https://www.ugefcu.com/benefits/become-a-member/) . Final membership determination is always made by the credit union. ## Work at Utica Police Department 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 Police Department Credit Union ranks against New York peers. - See which AI assistants fetched Utica Police Department 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-police-department&state=new-york&code=NY&name=Utica%20Police%20Department%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Utica Police Department Credit Union offer? Utica Police Department 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 Police Department Credit Union rates updated? RateAPI verifies Utica Police Department 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 Police Department Credit Union's rate data? Rate data is collected directly from Utica Police Department 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 Police Department Credit Union's best CD rate? As of November 13, 2026, Utica Police Department Credit Union offers savings and certificate (CD) yields up to 4.75% APY. ### Who can join Utica Police Department Credit Union? Membership via employers (National Grid) ## Related Rate Data Compare Utica Police Department 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 Police Department 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 Police Department Credit Union curl "https://api.rateapi.dev/credit-unions/new-york /utica-police-department " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Utica Police Department Credit Union locations Search, filter, and browse all 1 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-police-department Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp