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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 DEPOSIT
INDIVIDUAL RETIREMENT ACCOUNTS

Certificates of Deposit¹

longer term savings.

Open Account

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

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

Individual Retirement Accounts¹

retirement savings.

Open Account

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)

¹ There are penalties for early withdrawal from a CD or an IRA. Interest is compounded daily.

Current CD & IRA Rates

Certificate of Deposit/IRA*	Annual percentage yield (APY)
1 months	0.05%
2 months	0.05%
3 months	0.05%
6 months	0.10%
9 months	1.15%
12 months	0.45%
14 months	1.55%
18 months	0.50%
24 months	0.50%
36 months	0.65%
48 months	0.95%
60 months	1.00%

*Minimum to open $1,000.00

Certificate of deposit/IRA	ANNUAL PERCENTAGE YIELD (APY)
1-2 Months (Maturity)	0.10%
3-5 Months (Maturity)	0.10%
6-8 Months	0.15%
7 Month Special	0.15%
9-11 Months	0.25%
12-24 Months	0.25%
15 Month Special	0.35%
24-35 Months	0.60%
36-47 Months	0.70%
48-59 Months	0.70%
60 Months	1.00%

VARIABLE RATE IRA	ANNUAL PERCENTAGE YIELD (APY)
$25,000 and over	0.55%
$0.01 - $24,999.99	0.55%

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 3/1/2018

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