Looking for a long-term savings option?

Tompkins Bank of Castile 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* 0.10%
2 months* 0.10% 
3 months* 0.10%
6 months 0.10% 
9 months* 0.15%
3 Year Bump Up* 2.50%
Certificate of Deposit/IRA**
Annual percentage yield (APY)
12  months 0.25% 
14 months* 2.25% 
18 months 0.30%
24 months 0.40% 
36 months 0.60%
48 months 0.75%
60 months 1.00% 

**Minimum to open $1,000.00

$25,000 and over 0.30%
$0 - $24,999.99 0.30% 
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 1/23/19. 
* CD/IRA Bonus of 0.25% for True Advantage Clients, excluding terms of 1 mo., 2 mo., 3 mo., 9 mo., 14 mo., and Bump Up CD