Lender profile
Utica Gas & Electric Emp
Lender Live rate observations
Utica Gas & Electric Emp at a glance
Utica Gas & Electric Emp is a lender based in New York. LoanMate.ai tracks 10 published loan products from Utica Gas & Electric Emp (10 rate listings), last verified 2026-10-17. Its lowest published rate today is 4.49% on New auto loan · 48 months. Its New auto loan · 48 months rate of 4.49% is 0.5 points below the national median of 4.99% (across 166 lenders publishing that product). Utica Gas & Electric Emp lends in New York only.
Auto loan (8)
| Product | Rate | APR | Points | Fees | Verified | Source |
|---|---|---|---|---|---|---|
| AUTO-NEW-48 | — | 4.49 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-NEW-60 | — | 4.49 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-NEW-72 | — | 4.99 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-USED-48 | — | 4.99 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-USED-60 | — | 4.99 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-NEW-84 | — | 5.49 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-USED-72 | — | 5.74 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-USED-84 | — | 6.49 | — | — | 2026-10-17 | Lender source ↗ |
Personal loan (2)
| Product | Rate | APR | Points | Fees | Verified | Source |
|---|---|---|---|---|---|---|
| PERS-UNSEC-48 | — | 8.25 | — | — | 2026-10-17 | Lender source ↗ |
| PERS-UNSEC-60 | — | 8.75 | — | — | 2026-10-17 | Lender source ↗ |
How Utica Gas & Electric Emp compares
Compare all auto loan rates · Compare all personal loan rates · Best loan rates in New York
Compare with: Access, Adirondack Regional, Adirondack Trust Company, Allegany First
Common questions
What is the lowest published rate at Utica Gas & Electric Emp?
As of October 17, 2026, the lowest rate LoanMate.ai tracks from Utica Gas & Electric Emp is 4.49% on its New auto loan · 48 months. That is a published, advertised figure — not a quote or an offer. Your actual rate depends on credit, collateral and underwriting, and is set by the lender.
Where does Utica Gas & Electric Emp lend?
Utica Gas & Electric Emp lends in New York only. Availability can vary by product — confirm eligibility on the lender's website before applying.
How does Utica Gas & Electric Emp's New auto loan · 48 months rate compare nationally?
Utica Gas & Electric Emp publishes New auto loan · 48 months at 4.49%. The national median for that product is 4.99% across 166 lenders in LoanMate.ai's October 17, 2026 dataset, so Utica Gas & Electric Emp is 0.5 points below the national median.
How to use these figures
LoanMate.ai is an independent information publisher, not a lender, broker, or loan originator. Figures below are public lender observations last verified on the date shown and may have changed; confirm current pricing, terms, fees, eligibility, and license status directly with the lender. Rankings on LoanMate.ai are never influenced by compensation. See our methodology.