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Anytime. Anywhere.

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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 0.35% 
18 months 0.25%
24 months 0.60% 
36 months 0.70%
48 months 0.70%
60 months 1.00% 

*Minimum to open $1,000.00


$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. 

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You have enough on your plate. That's why at Tompkins Trust Company, we offer a comprehensive suite of products and services specifically designed for you. Keep your focus where it needs to be - learn, plan, and save with us. 


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