No matter what your financial goals, we have the right savings plan for you.

Welcome Savings¹  most popular

• No minimum balance to open account or earn interest
• Keep a $250 daily minimum balance to avoid $2.00 monthly maintenance fee
• Tiered, variable interest rate based on daily account balance

COMPARE     Open Account

Starter Savings¹ aged 17 and under

• For customers aged 17 or under
• No minimum balance; no monthly fee
• Tiered, variable interest rates based on daily account balance

COMPARE 

True Advantage Statement Savings¹ relationship banking

• Premium savings account for customers who maintain their banking relationship with us
• This account requires a linked True Advantage Checking or True Advantage Checking Plus Account
• Variable interest rates based on balance tiers

COMPARE     Open Account

• Save for the holidays by having weekly payments of an amount made from your Tompkins Trust Company checking or savings
• Holiday Club account pays a variable interest rate, subject to change daily
• No minimum balance requirement and no monthly fee

COMPARE

Health Savings Account medical savings

• Tax-favored savings for individuals and families covered by high deductible health insurance plans
• Free Visa Debit Card³
• Free Internet Banking with Bill Pay 
• Ask for details and eligibility requirements 

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Certificates of Deposit² longer term savings

• We offer a wide range of CD terms at competitive rates
• True Advantage customers qualify for an extra.0.25% APY⁴ on select CD terms
• $1,000 minimum to open CD

COMPARE     Open Account

Individual Retirement Accounts² retirement savings

• Retirement savings plan for anyone with income from employment - for themselves and their non-employed spouses
• Save for retirement and shelter current interest from taxes
• A variety of CD terms available for both Roth and Traditional IRAs
• Under certain circumstances, contributions are tax deductible (see your tax advisor for details)

COMPARE

¹ Banking regulations governing savings accounts specify that transfers into another account, or to a third-party by pre-authorized automatic or telephone request are limited to (6) per monthly statement cycle.  In-person transactions at a branch or by ATM are unlimited.  Interest compounded daily.

² There are penalties for early withdrawal from a CD or an IRA. Interest is compounded daily.

³ Fees may apply at ATMs not owned by Tompkins Trust Company 

⁴ APY = Annual Percentage Yield