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CDs & IRAs

We've Got Options For You


Looking for a long-term savings option? Tompkins VIST Bank has the account for you. Check out our CD and IRA options that will help you turn your money into a future.

Certificates of Deposit1

longer term savings.



  • We offer a wide range of CD terms at competitive rates
  • True Advantage customers qualify for an extra.0.20% APY2 on select CD terms
  • $1,000 minimum to open CD

1 There are penalties for early withdrawal from a CD or an IRA. Interest is compounded daily.
2 APY = Annual Percentage Yield

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)

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

Current CD & IRA Rates

 

Certificate of Deposit
 Annual percentage yield (APY)
1 months 0.05%
2 months 0.05% 
3 months 0.05%
6 months 0.05% 
9 months** 0.15%
3 year bump up*** 0.40%
Certificate of Deposit/IRA*
 Annual percentage yield (APY)
12  months 0.20% 
14 months** 0.35% 
18 months 0.22%
24 months 0.25% 
36 months 0.28%
48 months 0.30%
60 months 0.35% 

*Minimum to open $1,000.00



VARIABLE RATE IRA
 ANNUAL PERCENTAGE YIELD (APY)
$25,000 and over 0.40%
$0.01 - $24,999.99 0.35% 
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. 
 
**CD/IRA Bonus of 0.20% for True Advantage and True Advantage Plus Clients, including all CD specials.
***Annual Percentage Yield (APY) is accurate as of 1/11/2021. 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 Offer may be withdrawn without notice.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. True Advantage relationship bonus does not apply to this account. 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.
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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