Skip Navigation Documents in Portable Document Format (PDF) require Adobe Acrobat Reader 5.0 or higher to view,download Adobe® Acrobat Reader.

Access your accounts

Anytime. Anywhere.

Family of three sit on a couch laughing.

CDs & IRAs

We've Got Options For You

Certificates of Deposit1

longer term savings.

  • We offer a wide range of CD terms at competitive rates
  • True Advantage customers qualify for an extra.0.25% APY2 on select CD terms
  • $1,000 minimum to open CD

Individual Retirement Accounts1

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/IRA*
Annual percentage yield (APY)
1 months 0.10%
2 months 0.10% 
3 months 0.15%
6 months 0.15% 
9 months 0.25%
12  months 0.25% 
14 months Special*** 1.75% 
18 months 0.25%
24 months 0.60% 
36 months 0.70%
48 months 0.70%
60 months 1.00% 
3 Year Bump Up*** 2.35%

*Minimum to open $1,000.00

 


VARIABLE RATE IRA
ANNUAL PERCENTAGE YIELD (APY)
$25,000 and over 0.20%
$1,000 - $24,999.99 0.10% 
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 5/30/17. 

*** CD/IRA Bonus of 0.25% for True Advantage Clients, excluding terms of 1 mo., 2 mo., 3 mo., 14 mo., and Bump Up CD

Pregnant woman holding a onesie.>

INTERESTED IN MORE INTEREST?

INTRODUCING OUR 3 YEAR BUMP UP CD

Thinking about putting money into a CD—but wondering if rates might go up? With the Tompkins Bump-Up CD, you can keep your options open.  

 

LEARN MORE ABOUT OUR BUMP UP CD