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CDs & IRAs

Looking for a long-term savings option?

Tompkins Trust Company has the account for you.

Check out our CD and IRA options that will help you turn your money into a future.

Certificates of Deposit

longer term savings.

  • We offer a wide range of CD terms at competitive rates
  • True Advantage customers qualify for an extra.0.20% APY on select CD terms
  • $1,000 minimum to open CD

Individual Retirement Accounts

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)

Current CD & IRA Rates


Certificate of Deposit
Annual percentage yield (APY)
1 months 0.06%
2 months 0.10% 
3 months 0.15%
6 months 0.15% 
9 months 0.15%
3 Year Bump Up*** 0.40%

Certificate of Deposit / IRA*
Annual percentage yield (APY)
12  months 0.20% 
14 months Special** 0.30% 
18 months 0.25%
24 months 0.35% 
36 months 0.40%
48 months 0.60%
60 months 0.70% 

*Minimum to open $1,000.00


$25,000 and over 0.08%
<$25,000 0.05% 
Please note these rates are subject to change at any time. Rates may change after the account is opened. Interest is compounded daily. Fees could reduce earnings on the account. A penalty may be imposed for early withdrawal.

Rates in effect as of 10/22/2021.   
**CD/IRA Bonus of 0.20% for True Advantage Clients, excluding terms of 1 mo., 2 mo., 3 mo..
***Annual Percentage Yield (APY) is accurate as of 9/19/19. A Tompkins Consumer Checking account is required to receive the advertised rate. Rate will be reduced by 0.50% if no checking relationship is established within 60 days of account opening. This offer is valid for consumers only. Offer may be withdrawn without notice. There is a $1000 minimum balance to open a certificate and to obtain APY. There is a maximum initial deposit amount of $250,000. A penalty will be imposed for early withdrawal. Fees could reduce earnings. The interest rate and APY may be changed once during the initial term of the CD. Upon receipt of a written bump-up request from you, we will adjust the interest rate and APY to the current interest rate and APY we pay on the 3 Year Certificate of Deposit. The rate increase will be paid for the remainder of the term and will not extend the maturity date. One additional deposit may be made during the initial term. The one time deposit cannot be greater than $100,000. Upon maturity, the CD will automatically renew to the terms and conditions of our 3 Year CD.