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.0.25% 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
Annual percentage yield (APY)
1 months 0.05%
2 months 0.05% 
3 months 0.05%
6 months 0.10% 
9 months** 1.15%
Certificate of Deposit/IRA*
Annual percentage yield (APY)
12  months 0.45% 
14 months** 1.75% 
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


$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 8/1/2018
**CD/IRA Bonus of 0.25% for True Advantage and True Advantage Plus Clients excluding 9 and 14 month terms.