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CDs & IRAs

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.0.20% APY2 on select CD terms
  • $1,000 minimum to open CD

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)

Current CD & IRA Rates


Certificate of Deposit          
Annual percentage yield (APY)
1 months* 0.03%
2 months* 0.03% 
3 months* 0.03%
6 months* 0.05% 
9 months 0.05%
3 Year Bump Up* 0.25%
Certificate of Deposit/IRA**
Annual percentage yield (APY)
12  months 0.12% 
14 months* 0.20% 
18 months 0.15%
24 months 0.20% 
36 months 0.22%
48 months 0.25%
60 months 0.25% 

**Minimum to open $1,000.00

$25,000 and over 0.25%
$0 - $24,999.99 0.20% 
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 10/19/2021. 
* CD/IRA Bonus of 0.20% for True Advantage Clients, excluding terms of 1 mo., 2 mo., 3 mo., 6 mo..