10accounts we track

  • Savings1
  • Checking7
  • CDs2

Bank in Ithaca, NY

Tompkins Bank & Trust

FDIC-insured · certificate 609

Savings, checking and CDs, with every rate from Tompkins Bank & Trust’s own pages and every rank against the accounts we track.

Checked Nov 8, 2026Updated

Best savings rate
3.35%APY · Tompkins Bank & Trust Simple Savings Account
Best CD rate
3.54%APY for 14 months

Every account we track

Accounts and rates

Savings

A year on $10,000, after fees
Tompkins Bank & Trust Simple Savings AccountSavings account · $25 to open3.35%$2$5 a month

Checking

Against 1043 checking accounts
Tompkins Bank & Trust True 62 CheckingChecking account · no minimum to openNot stated#353$5 a month
Tompkins Bank & Trust Direct Checking with InterestChecking account · no minimum to openNot stated#382$12 a month
Tompkins Bank & Trust Smart Spend Checking AccountChecking accountNot stated#572$5 a month
Tompkins Bank & Trust Direct CheckingChecking account · no minimum to openNot stated#852$10 a month
Tompkins Bank & Trust Employee Advantage CheckingChecking account · no minimum to openNot stated#862$10 a month
Tompkins Bank & Trust True Advantage CheckingChecking account · no minimum to openNot stated#913$15 a month
Tompkins Bank & Trust True Advantage Checking PlusChecking account · no minimum to openNot stated#1014$25 a month

Certificates of Deposit, by term

$1,000 to open
1 months0.03%—
2 months0.03%—
3 months0.03%—
5 months3.10%—
6 months2.60%#105 of 143
9 months3.15%—
1 year0.05%#147 of 176
14 months · Tompkins Bank & Trust’s best3.54%—
18 months0.10%#95 of 107
2 years0.15%#113 of 134
3 years2.90%#48 of 98
4 years0.25%—
5 years0.30%#85 of 98

A dash: a term we don’t rank. All Tompkins Bank & Trust CDs

Against the market

How Tompkins Bank & Trust ranks

Where each ranked account sits on our list for its kind. Further right is higher on the list.

  • Tompkins Bank & Trust True 62 CheckingChecking account#353 of 1043
  • Tompkins Bank & Trust Direct Checking with InterestChecking account#382 of 1043
  • Certificates of Deposit · 3 yearsCD#48 of 98
  • Tompkins Bank & Trust Smart Spend Checking AccountChecking account#572 of 1043
  • Certificates of Deposit · 6 monthsCD#105 of 143
  • Tompkins Bank & Trust Simple Savings AccountSavings account#209 of 270
  • Tompkins Bank & Trust Direct CheckingChecking account#852 of 1043
  • Tompkins Bank & Trust Employee Advantage CheckingChecking account#862 of 1043

Savings and money market accounts rank by a year on $10,000; checking by a year for an everyday customer; CDs by a year on $10,000 at each term.