Its best CD
3.54%
APY for 14 months, as of Nov 8, 2026
1 CD, 1 IRA CD
Tompkins Bank & Trust CD rates
Every CD we track from Tompkins Bank & Trust, by term, with each term’s place among the CDs we track and its terms of business.
At each term
Its best rates
- 1 months0.03%Not ranked
- 2 months0.03%Not ranked
- 3 months0.03%Not ranked
- 5 months3.10%Not ranked
- 6 months2.60%#105 of 143
- 9 months3.15%Not ranked
- 1 year0.05%#147 of 176
- 14 months3.54%Not ranked
- 18 months0.10%#95 of 107
- 2 years0.15%#113 of 134
- 3 years2.90%#48 of 98
- 4 years0.25%Not ranked
- 5 years0.30%#85 of 98
Places are among the CDs we track for that term, on $10,000. IRA CDs aren’t counted in the best rates.
Every CD
Its CDs, by term
Certificates of Deposit
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 months3.54%—
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
- Minimum to open
- $1,000tompkinsbank.com, checked Nov 8, 2026
- Early withdrawal penalty
- There are penalties for early withdrawal from a CD or an IRA.tompkinsbank.com, checked Nov 8, 2026
- Interest compounds
- Interest is compounded daily.tompkinsbank.com, checked Nov 8, 2026
The bank’s page · checked Nov 8, 2026. A dash: a term we don’t rank.
Individual Retirement Accounts
IRA1 months0.03%—
2 months0.03%—
3 months0.03%—
5 months3.10%—
6 months2.60%—
9 months3.15%—
1 year0.05%—
14 months3.54%—
18 months0.10%—
2 years0.15%—
3 years2.90%—
4 years0.25%—
5 years0.30%—
- Early withdrawal penalty
- There are penalties for early withdrawal from a CD or an IRA.tompkinsbank.com, checked Nov 8, 2026
- Interest compounds
- Interest is compounded daily.tompkinsbank.com, checked Nov 8, 2026
The bank’s page · checked Nov 8, 2026. A dash: a term we don’t rank.
CD rates change often; the bank’s own page is the final word. Best CD rates by term · CD calculator · Report a mistake