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Tompkins Community Bank Rates & Review November 2026

Item: Tompkins Community Bank
Rating: 5
Author: anonymous

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: November 5, 2026

Tompkins Community Bank's 14-Month CD - True Advantage Bonus rates are at 3.75%, 14-Month CD - True Advantage Plus Bonus rates are at 3.75%, 14-Month CD rates are at 3.54%, CD - 14-Month rates are at 3.54%, 9-Month CD - True Advantage Plus Bonus rates are at 3.35%. Tompkins Community Bank's savings rates are at 3.20%. Tompkins Community Bank's money market rates are at 0.08%. Tompkins Community Bank's checking rates are as high as 0.05%. Tompkins Community Bank's Jumbo Fixed 15 Year rates are at 6.50%, Jumbo Fixed - 15 Year rates are at 6.625%, Jumbo Fixed 30 Year rates are at 7.00%, Jumbo Fixed - 30 Year rates are at 7.125%. Tompkins Community Bank's top CD rate of 3.75% APY on a 14 month CD is 25% higher than the MonitorBankRates national average of 3.00% APY for that term, and it has an A health rating. MonitorBankRates evaluates the financial stability of Tompkins Community Bank with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.37%. Rates last updated and verified on 11/05/2026.

Tompkins Community Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Tompkins Community Bank? Share your experience about Tompkins Community Bank by leaving a review below, or read customer reviews before you decide to use Tompkins Community Bank.

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

Excellent Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

6.37%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Tompkins Community Bank

118 E Seneca St
Ithaca, NY 14850

https://www.tompkinsbank.com

Customer Reviews

5.0 ★ 1 review

Write a Review

Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

Tompkins Community Bank CD Rates

Product	Rate	APY	Term	Min. Deposit
14-Month CD - True Advantage Bonus	-	3.75%	14 months	$1,000
Min Deposit $1,000 Details True Advantage and True Advantage Plus Bonus APY; Minimum to open $1,000.00 Last Updated 11/05/2026 Rate History 1 change since Oct 22, 2026 · 3.35% → 3.75% ▲ 0.40 pts · high 3.75% / low 3.35% Oct 26, 20263.75%▲ from 3.35% Oct 22, 20263.35%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
14-Month CD - True Advantage Plus Bonus	-	3.75%	14 months	$1,000
Min Deposit $1,000 Min Balance $1,000 Details True Advantage Plus Bonus APY; requires True Advantage Checking or Checking Plus; minimum to open $1,000.00 Last Updated 11/05/2026 Rate History 1 change since Oct 22, 2026 · 3.41% → 3.75% ▲ 0.34 pts · high 3.75% / low 3.41% Oct 26, 20263.75%▲ from 3.41% Oct 22, 20263.41%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
14-Month CD	-	3.54%	14 months	$1,000
Min Deposit $1,000 Min Balance $1,000 Details Minimum to open $1,000.00; $1000 minimum balance to open a certificate and obtain APY; maximum initial deposit $250,000 Last Updated 11/05/2026 Rate History 1 change since Oct 22, 2026 · 3.20% → 3.54% ▲ 0.34 pts · high 3.54% / low 3.20% Oct 26, 20263.54%▲ from 3.20% Oct 22, 20263.20%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
CD - 14-month	-	3.54%	14 months	$1,000
Min Deposit $1,000 Details Minimum to open $1,000.00 Last Updated 11/05/2026 Rate History 1 change since Oct 22, 2026 · 3.20% → 3.54% ▲ 0.34 pts · high 3.54% / low 3.20% Oct 26, 20263.54%▲ from 3.20% Oct 22, 20263.20%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
9-Month CD - True Advantage Plus Bonus	-	3.35%	9 months	$1,000
Min Deposit $1,000 Min Balance $1,000 Details True Advantage Plus Bonus APY; requires True Advantage Checking or Checking Plus; minimum to open $1,000.00 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 3.35% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
CD - 9-month True Advantage Bonus APY	-	3.35%	9 months	$1,000
Min Deposit $1,000 Details True Advantage and True Advantage Plus Bonus APY; Minimum to open $1,000.00 Last Updated 11/05/2026 Rate History No change since Oct 26, 2026 · 3.35% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
CD - 3-year bump up True Advantage Bonus APY	-	3.311%	3 Year	$1,000
Min Deposit $1,000 Details Bump up CD; True Advantage and True Advantage Plus Bonus APY; Minimum to open $1,000.00 Last Updated 11/05/2026 Rate History No change since Oct 26, 2026 · 3.31% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
5-Month CD - True Advantage Plus Bonus	-	3.31%	5 months	$1,000
Min Deposit $1,000 Min Balance $1,000 Details True Advantage Plus Bonus APY; requires True Advantage Checking or Checking Plus; minimum to open $1,000.00 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 3.31% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
CD - 5-month True Advantage Bonus APY	-	3.31%	5 months	$1,000
Min Deposit $1,000 Details True Advantage and True Advantage Plus Bonus APY; Minimum to open $1,000.00 Last Updated 11/05/2026 Rate History No change since Oct 26, 2026 · 3.31% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
9-Month CD - True Advantage Bonus	-	3.30%	9 months	$1,000
Min Deposit $1,000 Details True Advantage and True Advantage Plus Bonus APY; Minimum to open $1,000.00 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 3.30% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
5-Month CD - True Advantage Bonus	-	3.25%	5 months	$1,000
Min Deposit $1,000 Details True Advantage and True Advantage Plus Bonus APY; Minimum to open $1,000.00 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 3.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
9-Month CD	-	3.15%	9 months	$1,000
Min Deposit $1,000 Min Balance $1,000 Details Minimum to open $1,000.00; $1000 minimum balance to open a certificate and obtain APY; maximum initial deposit $250,000 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 3.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
CD - 9-month	-	3.15%	9 months	$1,000
Min Deposit $1,000 Details Minimum to open $1,000.00 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 3.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
CD - 3-year bump up - True Advantage Bonus	-	3.11%	3 years	$1,000
Min Deposit $1,000 Details 3 year bump up; True Advantage and True Advantage Plus Bonus APY; Minimum to open $1,000.00; Requires Tompkins Consumer Checking account Last Updated 11/05/2026 Rate History 1 change since Oct 22, 2026 · 3.31% → 3.11% ▼ 0.20 pts · high 3.31% / low 3.11% Oct 26, 20263.11%▼ from 3.31% Oct 22, 20263.31%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
CD - 3-Year Bump Up - True Advantage Plus Bonus	-	3.11%	3 years	$1,000
Min Deposit $1,000 Min Balance $1,000 Details 3 Year Bump Up; True Advantage Plus Bonus APY; requires True Advantage Checking or Checking Plus; minimum to open $1,000.00 Last Updated 11/05/2026 Rate History No change since Nov 5, 2026 · 3.11% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
5-Month CD	-	3.10%	5 months	$1,000
Min Deposit $1,000 Min Balance $1,000 Details Minimum to open $1,000.00; $1000 minimum balance to open a certificate and obtain APY; maximum initial deposit $250,000 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 3.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
9-Month CD	-	3.10%	9 months	$1,000
Min Deposit $1,000 Details Minimum to open $1,000.00 Last Updated 11/05/2026 Rate History 1 change since Oct 22, 2026 · 3.15% → 3.10% ▼ 0.05 pts · high 3.15% / low 3.10% Oct 26, 20263.10%▼ from 3.15% Oct 22, 20263.15%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
CD - 5-month	-	3.10%	5 months	$1,000
Min Deposit $1,000 Details Minimum to open $1,000.00 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 3.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
5-Month CD	-	3.05%	5 months	$1,000
Min Deposit $1,000 Details Minimum to open $1,000.00 Last Updated 11/05/2026 Rate History 1 change since Oct 22, 2026 · 3.10% → 3.05% ▼ 0.05 pts · high 3.10% / low 3.05% Oct 26, 20263.05%▼ from 3.10% Oct 22, 20263.10%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
CD - 3-Year Bump Up	-	2.90%	3 years	$1,000
Min Deposit $1,000 Min Balance $1,000 Details 3 Year Bump Up; Tompkins Consumer Checking account required to receive advertised rate; rate reduced 0.50% if no checking relationship within 60 days of opening; minimum to open $1,000.00 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 2.90% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
6-Month CD - True Advantage Plus Bonus	-	2.81%	6 months	$1,000
Min Deposit $1,000 Min Balance $1,000 Details True Advantage Plus Bonus APY; requires True Advantage Checking or Checking Plus; minimum to open $1,000.00 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 2.81% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
CD - 6-month True Advantage Bonus APY	-	2.81%	6 months	$1,000
Min Deposit $1,000 Details True Advantage and True Advantage Plus Bonus APY; Minimum to open $1,000.00 Last Updated 11/05/2026 Rate History No change since Oct 26, 2026 · 2.81% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
6-Month CD - True Advantage Bonus	-	2.76%	6 months	$1,000
Min Deposit $1,000 Details True Advantage and True Advantage Plus Bonus APY; Minimum to open $1,000.00 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 2.76% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
6-Month CD	-	2.60%	6 months	$1,000
Min Deposit $1,000 Min Balance $1,000 Details Minimum to open $1,000.00; $1000 minimum balance to open a certificate and obtain APY; maximum initial deposit $250,000 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 2.60% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
CD - 6-month	-	2.60%	6 months	$1,000
Min Deposit $1,000 Details Minimum to open $1,000.00 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 2.60% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
6-Month CD	-	2.55%	6 months	$1,000
Min Deposit $1,000 Details Minimum to open $1,000.00 Last Updated 11/05/2026 Rate History 1 change since Oct 22, 2026 · 2.60% → 2.55% ▼ 0.05 pts · high 2.60% / low 2.55% Oct 26, 20262.55%▼ from 2.60% Oct 22, 20262.60%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
36-Month CD - True Advantage Bonus	-	1.21%	36 months	$1,000
Min Deposit $1,000 Details True Advantage and True Advantage Plus Bonus APY; Minimum to open $1,000.00 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 1.21% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
36-Month CD - True Advantage Plus Bonus	-	1.21%	36 months	$1,000
Min Deposit $1,000 Min Balance $1,000 Details True Advantage Plus Bonus APY; requires True Advantage Checking or Checking Plus; minimum to open $1,000.00 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 1.21% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
CD - 36-month True Advantage Bonus APY	-	1.20%	36 months	$1,000
Min Deposit $1,000 Details True Advantage and True Advantage Plus Bonus APY; Minimum to open $1,000.00 Last Updated 11/05/2026 Rate History No change since Oct 26, 2026 · 1.20% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
36-Month CD	-	1.00%	36 months	$1,000
Min Deposit $1,000 Min Balance $1,000 Details Minimum to open $1,000.00; $1000 minimum balance to open a certificate and obtain APY; maximum initial deposit $250,000 Last Updated 11/05/2026 Rate History No change since Oct 26, 2026 · 1.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
CD - 36-month	-	1.00%	36 months	$1,000
Min Deposit $1,000 Details Minimum to open $1,000.00 Last Updated 11/05/2026 Rate History No change since Oct 26, 2026 · 1.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
60-Month CD - True Advantage Plus Bonus	-	0.90%	60 months	$1,000
Min Deposit $1,000 Min Balance $1,000 Details True Advantage Plus Bonus APY; requires True Advantage Checking or Checking Plus; minimum to open $1,000.00 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.90% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
48-Month CD - True Advantage Plus Bonus	-	0.80%	48 months	$1,000
Min Deposit $1,000 Min Balance $1,000 Details True Advantage Plus Bonus APY; requires True Advantage Checking or Checking Plus; minimum to open $1,000.00 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.80% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
60-Month CD	-	0.70%	60 months	$1,000
Min Deposit $1,000 Min Balance $1,000 Details Minimum to open $1,000.00; $1000 minimum balance to open a certificate and obtain APY; maximum initial deposit $250,000 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.70% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
48-Month CD	-	0.60%	48 months	$1,000
Min Deposit $1,000 Min Balance $1,000 Details Minimum to open $1,000.00; $1000 minimum balance to open a certificate and obtain APY; maximum initial deposit $250,000 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.60% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
24-Month CD - True Advantage Plus Bonus	-	0.55%	24 months	$1,000
Min Deposit $1,000 Min Balance $1,000 Details True Advantage Plus Bonus APY; requires True Advantage Checking or Checking Plus; minimum to open $1,000.00 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.55% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
CD - 60-month True Advantage Bonus APY	-	0.50%	60 months	$1,000
Min Deposit $1,000 Details True Advantage and True Advantage Plus Bonus APY; Minimum to open $1,000.00 Last Updated 11/05/2026 Rate History No change since Oct 26, 2026 · 0.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
18-Month CD - True Advantage Plus Bonus	-	0.45%	18 months	$1,000
Min Deposit $1,000 Min Balance $1,000 Details True Advantage Plus Bonus APY; requires True Advantage Checking or Checking Plus; minimum to open $1,000.00 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.45% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
60-Month CD - True Advantage Bonus	-	0.45%	60 months	$1,000
Min Deposit $1,000 Details True Advantage and True Advantage Plus Bonus APY; Minimum to open $1,000.00 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.45% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
CD - 48-month True Advantage Bonus	-	0.45%	48 months	$1,000
Min Deposit $1,000 Details True Advantage & True Advantage Plus Bonus APY; Minimum to open $1,000.00 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.45% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
12-Month CD - True Advantage Plus Bonus	-	0.40%	12 months	$1,000
Min Deposit $1,000 Min Balance $1,000 Details True Advantage Plus Bonus APY; requires True Advantage Checking or Checking Plus; minimum to open $1,000.00; IRA available for terms 12 Months and greater Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.40% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
48-Month CD - True Advantage Bonus	-	0.40%	48 months	$1,000
Min Deposit $1,000 Details True Advantage and True Advantage Plus Bonus APY; Minimum to open $1,000.00 Last Updated 11/05/2026 Rate History 1 change since Oct 22, 2026 · 0.45% → 0.40% ▼ 0.05 pts · high 0.45% / low 0.40% Oct 26, 20260.40%▼ from 0.45% Oct 22, 20260.45%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
CD - 24-month True Advantage Bonus	-	0.40%	24 months	$1,000
Min Deposit $1,000 Details True Advantage & True Advantage Plus Bonus APY; Minimum to open $1,000.00 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.40% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
24-Month CD - True Advantage Bonus	-	0.38%	24 months	$1,000
Min Deposit $1,000 Details True Advantage and True Advantage Plus Bonus APY; Minimum to open $1,000.00 Last Updated 11/05/2026 Rate History 1 change since Oct 22, 2026 · 0.40% → 0.38% ▼ 0.02 pts · high 0.40% / low 0.38% Oct 26, 20260.38%▼ from 0.40% Oct 22, 20260.40%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
18-Month CD - True Advantage Bonus	-	0.37%	18 months	$1,000
Min Deposit $1,000 Details True Advantage and True Advantage Plus Bonus APY; Minimum to open $1,000.00 Last Updated 11/05/2026 Rate History 1 change since Oct 22, 2026 · 0.35% → 0.37% ▲ 0.02 pts · high 0.37% / low 0.35% Oct 26, 20260.37%▲ from 0.35% Oct 22, 20260.35%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
24-Month CD	-	0.35%	24 months	$1,000
Min Deposit $1,000 Min Balance $1,000 Details Minimum to open $1,000.00; $1000 minimum balance to open a certificate and obtain APY; maximum initial deposit $250,000 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.35% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
CD - 18-month True Advantage Bonus	-	0.35%	18 months	$1,000
Min Deposit $1,000 Details True Advantage & True Advantage Plus Bonus APY; Minimum to open $1,000.00 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.35% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
CD - 24-month True Advantage Bonus APY	-	0.35%	24 months	$1,000
Min Deposit $1,000 Details True Advantage and True Advantage Plus Bonus APY; Minimum to open $1,000.00 Last Updated 11/05/2026 Rate History No change since Oct 26, 2026 · 0.35% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
CD - 12-month True Advantage Bonus	-	0.32%	12 months	$1,000
Min Deposit $1,000 Details True Advantage & True Advantage Plus Bonus APY; Minimum to open $1,000.00 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.32% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
CD - 60-month	-	0.30%	60 months	$1,000
Min Deposit $1,000 Details Minimum to open $1,000.00 Last Updated 11/05/2026 Rate History 1 change since Oct 22, 2026 · 0.70% → 0.30% ▼ 0.40 pts · high 0.70% / low 0.30% Oct 26, 20260.30%▼ from 0.70% Oct 22, 20260.70%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
12-Month CD - True Advantage Bonus	-	0.25%	12 months	$1,000
Min Deposit $1,000 Details True Advantage and True Advantage Plus Bonus APY; Minimum to open $1,000.00 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
18-Month CD	-	0.25%	18 months	$1,000
Min Deposit $1,000 Min Balance $1,000 Details Minimum to open $1,000.00; $1000 minimum balance to open a certificate and obtain APY; maximum initial deposit $250,000 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
60-Month CD	-	0.25%	60 months	$1,000
Min Deposit $1,000 Details Minimum to open $1,000.00 Last Updated 11/05/2026 Rate History 1 change since Oct 22, 2026 · 0.70% → 0.25% ▼ 0.45 pts · high 0.70% / low 0.25% Oct 26, 20260.25%▼ from 0.70% Oct 22, 20260.70%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
CD - 12-month True Advantage Bonus APY	-	0.25%	12 months	$1,000
Min Deposit $1,000 Details True Advantage and True Advantage Plus Bonus APY; Minimum to open $1,000.00 Last Updated 11/05/2026 Rate History No change since Oct 26, 2026 · 0.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
CD - 48-month	-	0.25%	48 months	$1,000
Min Deposit $1,000 Details Minimum to open $1,000.00 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
12-Month CD	-	0.20%	12 months	$1,000
Min Deposit $1,000 Min Balance $1,000 Details Minimum to open $1,000.00; $1000 minimum balance to open a certificate and obtain APY; maximum initial deposit $250,000; IRA available for terms 12 Months and greater Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.20% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
48-Month CD	-	0.20%	48 months	$1,000
Min Deposit $1,000 Details Minimum to open $1,000.00 Last Updated 11/05/2026 Rate History 1 change since Oct 22, 2026 · 0.25% → 0.20% ▼ 0.05 pts · high 0.25% / low 0.20% Oct 26, 20260.20%▼ from 0.25% Oct 22, 20260.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
CD - 18-month True Advantage Bonus APY	-	0.20%	18 months	$1,000
Min Deposit $1,000 Details True Advantage and True Advantage Plus Bonus APY; Minimum to open $1,000.00 Last Updated 11/05/2026 Rate History No change since Oct 26, 2026 · 0.20% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
CD - 24-month	-	0.20%	24 months	$1,000
Min Deposit $1,000 Details Minimum to open $1,000.00 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.20% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
24-Month CD	-	0.18%	24 months	$1,000
Min Deposit $1,000 Details Minimum to open $1,000.00 Last Updated 11/05/2026 Rate History 1 change since Oct 22, 2026 · 0.20% → 0.18% ▼ 0.02 pts · high 0.20% / low 0.18% Oct 26, 20260.18%▼ from 0.20% Oct 22, 20260.20%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
18-Month CD	-	0.17%	18 months	$1,000
Min Deposit $1,000 Details Minimum to open $1,000.00 Last Updated 11/05/2026 Rate History 1 change since Oct 22, 2026 · 0.15% → 0.17% ▲ 0.02 pts · high 0.17% / low 0.15% Oct 26, 20260.17%▲ from 0.15% Oct 22, 20260.15%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
12-Month CD	-	0.15%	12 months	$1,000
Min Deposit $1,000 Details Minimum to open $1,000.00 Last Updated 11/05/2026 Rate History 1 change since Oct 22, 2026 · 0.12% → 0.15% ▲ 0.03 pts · high 0.15% / low 0.12% Oct 26, 20260.15%▲ from 0.12% Oct 22, 20260.12%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
3-Month CD	-	0.15%	3 months	$1,000
Min Deposit $1,000 Min Balance $1,000 Details Minimum to open $1,000.00; $1000 minimum balance to open a certificate and obtain APY; maximum initial deposit $250,000 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
CD - 18-month	-	0.15%	18 months	$1,000
Min Deposit $1,000 Details Minimum to open $1,000.00 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
CD - 24-month	-	0.15%	24 months	$1,000
Min Deposit $1,000 Details Minimum to open $1,000.00 Last Updated 11/05/2026 Rate History 1 change since Oct 22, 2026 · 0.20% → 0.15% ▼ 0.05 pts · high 0.20% / low 0.15% Oct 26, 20260.15%▼ from 0.20% Oct 22, 20260.20%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
CD - 12-month	-	0.12%	12 months	$1,000
Min Deposit $1,000 Details Minimum to open $1,000.00 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.12% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
2-Month CD	-	0.10%	2 months	$1,000
Min Deposit $1,000 Min Balance $1,000 Details Minimum to open $1,000.00; $1000 minimum balance to open a certificate and obtain APY; maximum initial deposit $250,000 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
CD - 18-month	-	0.10%	18 months	$1,000
Min Deposit $1,000 Details Minimum to open $1,000.00 Last Updated 11/05/2026 Rate History 1 change since Oct 22, 2026 · 0.15% → 0.10% ▼ 0.05 pts · high 0.15% / low 0.10% Oct 26, 20260.10%▼ from 0.15% Oct 22, 20260.15%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
1-Month CD	-	0.06%	1 months	$1,000
Min Deposit $1,000 Min Balance $1,000 Details Minimum to open $1,000.00; $1000 minimum balance to open a certificate and obtain APY; maximum initial deposit $250,000 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.06% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
1-Month CD	-	0.05%	1 months	$1,000
Min Deposit $1,000 Details Minimum to open $1,000.00 Last Updated 11/05/2026 Rate History 1 change since Oct 22, 2026 · 0.06% → 0.05% ▼ 0.01 pts · high 0.06% / low 0.05% Oct 26, 20260.05%▼ from 0.06% Oct 22, 20260.06%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
2-Month CD	-	0.05%	2 months	$1,000
Min Deposit $1,000 Details Minimum to open $1,000.00 Last Updated 11/05/2026 Rate History 1 change since Oct 22, 2026 · 0.03% → 0.05% ▲ 0.02 pts · high 0.05% / low 0.03% Oct 26, 20260.05%▲ from 0.03% Oct 22, 20260.03%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
3-Month CD	-	0.05%	3 months	$1,000
Min Deposit $1,000 Details Minimum to open $1,000.00 Last Updated 11/05/2026 Rate History 1 change since Oct 22, 2026 · 0.03% → 0.05% ▲ 0.02 pts · high 0.05% / low 0.03% Oct 26, 20260.05%▲ from 0.03% Oct 22, 20260.03%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
CD - 12-month	-	0.05%	12 months	$1,000
Min Deposit $1,000 Details Minimum to open $1,000.00 Last Updated 11/05/2026 Rate History 1 change since Oct 22, 2026 · 0.12% → 0.05% ▼ 0.07 pts · high 0.12% / low 0.05% Oct 26, 20260.05%▼ from 0.12% Oct 22, 20260.12%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
CD - 1-month	-	0.03%	1 months	$1,000
Min Deposit $1,000 Details Minimum to open $1,000.00 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.03% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
CD - 2-month	-	0.03%	2 months	$1,000
Min Deposit $1,000 Details Minimum to open $1,000.00 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.03% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
CD - 3-month	-	0.03%	3 months	$1,000
Min Deposit $1,000 Details Minimum to open $1,000.00 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.03% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%

Tompkins Community Bank Savings Rates

Product	Rate	APY
True Advantage Premier Savings	-	3.20%
Min Balance $1,000,000 Details Balance: $1,000,000 & Over; Requires True Advantage Checking or Checking Plus Account Last Updated 11/05/2026 Rate History No change since Nov 5, 2026 · 3.20% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
True Advantage Premier Savings	-	3.20%
Min Balance $500,000 Details Balance: $500,000 - $999,999.99; Requires True Advantage Checking or Checking Plus Account Last Updated 11/05/2026 Rate History No change since Nov 5, 2026 · 3.20% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
True Advantage Premier Savings	-	3.20%
Min Balance $250,000 Details Balance: $250,000 - $499,999.99; Requires True Advantage Checking or Checking Plus Account Last Updated 11/05/2026 Rate History No change since Nov 5, 2026 · 3.20% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
True Advantage Premier Savings	-	3.05%
Min Balance $150,000 Details Balance: $150,000 - $249,999.99; Requires True Advantage Checking or Checking Plus Account Last Updated 11/05/2026 Rate History No change since Nov 5, 2026 · 3.05% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
True Advantage Savings	-	0.40%
Min Balance $150,000 Details Balance: $150,000.00 and over Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.40% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
True Advantage Premier Savings	-	0.30%
Min Balance $0 Details Balance: $0.01 - $149,999.99; Requires True Advantage Checking or Checking Plus Account Last Updated 11/05/2026 Rate History No change since Nov 5, 2026 · 0.30% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
True Advantage Savings	-	0.30%
Min Balance $50,000 Details Balance: $50,000 - $149,999.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.30% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
True Advantage Savings	-	0.06%
Min Balance $25,000 Details Balance: $25,000 - $49,999.99; Requires True Advantage Checking or Checking Plus Account Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.06% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
True Advantage Savings	-	0.04%
Min Balance $5,000 Details Balance: $5,000 - $24,999.99; Requires True Advantage Checking or Checking Plus Account Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.04% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
Welcome Savings	-	0.04%
Min Balance $50,000 Details Balance: $50,000.00 and over Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.04% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
Starter Savings	-	0.03%
Min Balance $50,000 Details Balance: $50,000.00 and over Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.03% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
Starter Savings	-	0.03%
Min Balance $2,500 Details Balance: $2,500 and over; Requires True Advantage Checking or Checking Plus Account Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.03% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
True Advantage Savings	-	0.03%
Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.03% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
Welcome Savings	-	0.03%
Min Balance $2,500 Details Balance: $2.500 and over (as printed); Requires True Advantage Checking or Checking Plus Account Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.03% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
Welcome Savings	-	0.03%
Min Balance $3 Details Balance: $2.500 and over Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.03% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
Welcome Savings	-	0.03%
Min Balance $5,000 Details Balance: $5,000 - $49,999.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.03% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
Club Savings	-	0.02%
Min Balance $0 Details Balance: $0 and over Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.02% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
Starter Savings	-	0.02%
Min Balance $5,000 Details Balance: $5,000 - $49,999.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.02% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
Starter Savings	-	0.02%
Min Balance $1,500 Details Balance: $1,500 - $4,999.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.02% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
Starter Savings	-	0.02%
Min Balance $100 Details Balance: $100 - $1,499.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.02% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
Starter Savings	-	0.02%
Min Balance $0 Details Balance: Less than $2,500; Requires True Advantage Checking or Checking Plus Account Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.02% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
True Advantage Savings	-	0.02%
Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.02% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
True Advantage Savings	-	0.02%
Min Balance $5,000 Details Balance: $5,000 - $24,999.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.02% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
True Advantage Savings	-	0.02%
Min Balance $0 Details Balance: Less than $5,000.00 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.02% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
Welcome Savings	-	0.02%
Min Balance $100 Details Balance: $100 - $1,499.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.02% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
Welcome Savings	-	0.02%
Min Balance $0 Details Balance: Less than $2,500; Requires True Advantage Checking or Checking Plus Account Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.02% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
Welcome Savings	-	0.02%
Min Balance $1,500 Details Balance: $1,500 - $4,999.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.02% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
Starter Savings	-	0.01%
Min Balance $2,500 Details Balance: $2,500 and over Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.01% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
Starter Savings	-	0.01%
Min Balance $0 Details Balance: Less than $2,500 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.01% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
Welcome Savings	-	0.01%
Min Balance $3 Details Balance: $2.500 and over Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.01% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
Welcome Savings	-	0.01%
Min Balance $0 Details Balance: Less than $2,500 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.01% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
Starter Savings	-	0.00%
Min Balance $0 Details Balance: Less than $100.00 Last Updated 11/05/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
Welcome Savings	-	0.00%
Min Balance $0 Details Balance: Less than $100.00 Last Updated 11/05/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%

Tompkins Community Bank Money Market Rates

Product	Rate	APY
Personal Money Market	-	0.08%
Min Balance $50,000 Details Balance: $50,000 and over Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.08% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
Personal Money Market	-	0.05%
Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
Personal Money Market	-	0.04%
Min Balance $50,000 Details Balance: $50,000.00 and over Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.04% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
Personal Money Market	-	0.03%
Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.03% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
Personal Money Market	-	0.03%
Min Balance $10,000 Details Balance: $10,000 - $24,999.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.03% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
Personal Money Market	-	0.02%
Min Balance $2,500 Details Balance: $2,500 - $9,999.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.02% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
Personal Money Market	-	0.02%
Min Balance $0 Details Balance: Less than $2,500.00 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.02% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
Personal Money Market	-	0.00%
Min Balance $0 Details Balance: Less than $2,500.00 Last Updated 11/05/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%

Tompkins Community Bank Checking Rates

Product	Rate	APY
True Advantage Checking Plus	-	0.05%
Min Balance $50,000 Details Balance: $50,000 and over Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
True Advantage Checking Plus	-	0.04%
Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.04% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
True Advantage Checking Plus	-	0.03%
Min Balance $50,000 Details Balance: $50,000 and over; Rates may change after the account is opened; Interest is compounded daily Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.03% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
True Advantage Checking Plus	-	0.03%
Min Balance $10,000 Details Balance: $10,000 - $24,999.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.03% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
True Advantage Checking Plus	-	0.03%
Min Balance $2,500 Details Balance: $2,500 - $9,999.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.03% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
True Advantage Checking Plus	-	0.03%
Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.03% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
Direct Checking with Interest	-	0.02%
Min Balance $0 Details Balance: $0.01 and over Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.02% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
True Advantage Checking Plus	-	0.02%
Min Balance $25,000 Details Balance: $25,000 - $49,999.99; Rates may change after the account is opened; Interest is compounded daily Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.02% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
True Advantage Checking Plus	-	0.02%
Min Balance $10,000 Details Balance: $10,000 - $24,999.99; Rates may change after the account is opened; Interest is compounded daily Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.02% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
True Advantage Checking Plus	-	0.02%
Min Balance $2,500 Details Balance: $2,500 - $9,999.99; Rates may change after the account is opened; Interest is compounded daily Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.02% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
True Advantage Checking Plus	-	0.02%
Min Balance $50,000 Details Balance: $50,000.00 and over Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.02% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
Direct Checking with Interest	-	0.01%
Min Balance $0 Details Balance: $0.01 and over; Rates may change after the account is opened; Interest is compounded daily Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.01% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
True Advantage Checking Plus	-	0.01%
Min Balance $10,000 Details Balance: $10,000 - $24,999.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.01% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
True Advantage Checking Plus	-	0.01%
Min Balance $2,500 Details Balance: $2,500 - $9,999.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.01% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%

Tompkins Community Bank Mortgage Rates

Product	Rate	Points	APR	Term
Jumbo Fixed 15 Year	6.50%	0	6.631%	15 Year
Details Jumbo fixed; APR assumes a 20% down payment; owner occupied properties only Last Updated 11/05/2026 Rate History 2 changes since Oct 22, 2026 · 6.87% → 6.63% ▼ 0.23 pts · high 6.87% / low 6.63% Nov 5, 20266.63%▼ from 6.74% Oct 26, 20266.74%▼ from 6.87% Oct 22, 20266.87%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
Jumbo Fixed - 15 Year	6.625%	0	6.745%	15 Year
Details Jumbo fixed; owner occupied only; APR assumes 20% down payment; monthly payment assumes $1,280,000 loan amount Last Updated 11/05/2026 Rate History 2 changes since Oct 22, 2026 · 6.87% → 6.75% ▼ 0.12 pts · high 6.87% / low 6.75% Nov 5, 20266.75%▼ from 6.75% Oct 26, 20266.75%▼ from 6.87% Oct 22, 20266.87%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
Jumbo Fixed 30 Year	7.00%	0	7.084%	30 Year
Details Jumbo fixed; APR assumes a 20% down payment; owner occupied properties only Last Updated 11/05/2026 Rate History 2 changes since Oct 22, 2026 · 7.46% → 7.08% ▼ 0.38 pts · high 7.46% / low 7.08% Nov 5, 20267.08%▼ from 7.21% Oct 26, 20267.21%▼ from 7.46% Oct 22, 20267.46%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
Jumbo Fixed - 30 Year	7.125%	0	7.209%	30 Year
Details Jumbo fixed; owner occupied only; APR assumes 20% down payment; monthly payment assumes $1,280,000 loan amount Last Updated 11/05/2026 Rate History 2 changes since Oct 22, 2026 · 7.46% → 7.21% ▼ 0.25 pts · high 7.46% / low 7.21% Nov 5, 20267.21%▼ from 7.21% Oct 26, 20267.21%▼ from 7.46% Oct 22, 20267.46%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%

Tompkins Community Bank Other Rates

Product	Rate	Points	APY/APR	Term
Conforming Fixed - 15 Year	6.50%	0	6.984%	15 Year
Details Conforming fixed; loan amount $100,000; APR assumes 20% down; owner occupied only Last Updated 11/05/2026 Rate History 2 changes since Oct 22, 2026 · 7.09% → 6.98% ▼ 0.11 pts · high 7.09% / low 6.96% Nov 5, 20266.98%▲ from 6.96% Oct 26, 20266.96%▼ from 7.09% Oct 22, 20267.09%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
Conforming Fixed - 15 Year	6.50%	0	6.979%	15 Year
Details Conforming fixed; owner occupied only; APR assumes 20% down payment; monthly payment assumes $100,000 loan amount Last Updated 11/05/2026 Rate History 2 changes since Oct 22, 2026 · 7.09% → 6.98% ▼ 0.11 pts · high 7.09% / low 6.96% Nov 5, 20266.98%▲ from 6.96% Oct 26, 20266.96%▼ from 7.09% Oct 22, 20267.09%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
Conforming Fixed - 30 Year	7.00%	0	7.337%	30 Year
Details Conforming fixed; loan amount $100,000; APR assumes 20% down; owner occupied only Last Updated 11/05/2026 Rate History 2 changes since Oct 22, 2026 · 7.64% → 7.34% ▼ 0.31 pts · high 7.64% / low 7.34% Nov 5, 20267.34%▼ from 7.42% Oct 26, 20267.42%▼ from 7.64% Oct 22, 20267.64%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
Conforming Fixed - 30 Year	7.00%	0	7.394%	30 Year
Details Conforming fixed; owner occupied only; APR assumes 20% down payment; monthly payment assumes $100,000 loan amount Last Updated 11/05/2026 Rate History 2 changes since Oct 22, 2026 · 7.64% → 7.39% ▼ 0.25 pts · high 7.64% / low 7.39% Nov 5, 20267.39%▼ from 7.42% Oct 26, 20267.42%▼ from 7.64% Oct 22, 20267.64%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
Conforming Fixed 15 Year	6.50%	0	6.907%	15 Year
Details Conforming fixed; APR assumes a 20% down payment; owner occupied properties only Last Updated 11/05/2026 Rate History 2 changes since Oct 22, 2026 · 7.09% → 6.91% ▼ 0.18 pts · high 7.09% / low 6.91% Nov 5, 20266.91%▼ from 6.96% Oct 26, 20266.96%▼ from 7.09% Oct 22, 20267.09%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
Conforming Fixed 30 Year	7.00%	0	7.257%	30 Year
Details Conforming fixed; APR assumes a 20% down payment; owner occupied properties only Last Updated 11/05/2026 Rate History 2 changes since Oct 22, 2026 · 7.64% → 7.26% ▼ 0.39 pts · high 7.64% / low 7.26% Nov 5, 20267.26%▼ from 7.42% Oct 26, 20267.42%▼ from 7.64% Oct 22, 20267.64%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
Equilock Line of Credit - Variable Rate	-	-	6.75%
Details Variable rate after introductory period for lines greater than $50,000 with internal auto-pay Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 6.75% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
Certificate of Deposit - 14 months True Advantage Bonus	-	-	3.75%	14 months
Min Deposit $1,000 Details True Advantage & True Advantage Plus Bonus APY; Minimum to open $1,000.00 Last Updated 11/05/2026 Rate History No change since Oct 26, 2026 · 3.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
Certificate of Deposit - 36 months True Advantage Bonus	-	-	1.21%	36 months
Min Deposit $1,000 Details True Advantage & True Advantage Plus Bonus APY; Minimum to open $1,000.00 Last Updated 11/05/2026 Rate History No change since Oct 26, 2026 · 1.21% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
Certificate of Deposit - 5 months	-	-	3.05%	5 months
Min Deposit $1,000 Details Minimum to open $1,000.00 Last Updated 11/05/2026 Rate History No change since Oct 26, 2026 · 3.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
Certificate of Deposit - 5 months True Advantage Bonus	-	-	3.25%	5 months
Min Deposit $1,000 Details True Advantage & True Advantage Plus Bonus APY; Minimum to open $1,000.00 Last Updated 11/05/2026 Rate History No change since Oct 26, 2026 · 3.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
Certificate of Deposit - 6 months	-	-	2.55%	6 months
Min Deposit $1,000 Details Minimum to open $1,000.00 Last Updated 11/05/2026 Rate History No change since Oct 26, 2026 · 2.55% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
Certificate of Deposit - 6 months True Advantage Bonus	-	-	2.76%	6 months
Min Deposit $1,000 Details True Advantage & True Advantage Plus Bonus APY; Minimum to open $1,000.00 Last Updated 11/05/2026 Rate History No change since Oct 26, 2026 · 2.76% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
Certificate of Deposit - 60 months	-	-	0.25%	60 months
Min Deposit $1,000 Details Minimum to open $1,000.00 Last Updated 11/05/2026 Rate History No change since Oct 26, 2026 · 0.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
Certificate of Deposit - 60 months True Advantage Bonus	-	-	0.45%	60 months
Min Deposit $1,000 Details True Advantage & True Advantage Plus Bonus APY; Minimum to open $1,000.00 Last Updated 11/05/2026 Rate History No change since Oct 26, 2026 · 0.45% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
Certificate of Deposit - 9 months	-	-	3.10%	9 months
Min Deposit $1,000 Details Minimum to open $1,000.00 Last Updated 11/05/2026 Rate History No change since Oct 26, 2026 · 3.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
Certificate of Deposit - 9 months True Advantage Bonus	-	-	3.30%	9 months
Min Deposit $1,000 Details True Advantage & True Advantage Plus Bonus APY; Minimum to open $1,000.00 Last Updated 11/05/2026 Rate History No change since Oct 26, 2026 · 3.30% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
Variable Rate IRA	-	-	0.40%
Min Deposit $50 Min Balance $25,000 Details Balance: $25,000 and over; Minimum to open $50.00 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.40% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
Variable Rate IRA	-	-	0.35%
Min Deposit $50 Min Balance $0 Details Balance: $0.01 - $24,999.99; Minimum to open $50.00 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.35% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
Variable Rate IRA	-	-	0.08%
Min Deposit $50 Min Balance $25,000 Details Balance: $25,000.00 and over; minimum to open $50.00 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.08% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
Variable Rate IRA	-	-	0.10%
Min Deposit $50 Min Balance $25,000 Details Balance: $25,000 and over; Minimum to open $50.00 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
Variable Rate IRA	-	-	0.07%
Min Deposit $50 Min Balance $0 Details Balance: $0 - $24,999.99; Minimum to open $50.00 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.07% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
Variable Rate IRA	-	-	0.10%
Min Deposit $50 Min Balance $0 Details Balance: $0.01 - $24,999.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%
Variable Rate IRA	-	-	0.05%
Min Deposit $50 Details Balance: Less than $25,000.00; minimum to open $50.00 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.37%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Tompkins Community Bank’s Texas Ratio rose from 5.73% in Q3 2023 to 6.37% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$8.8B	6.37%	5.0	A
March 31, 2026	$8.7B	6.30%	5.0	A
December 31, 2025	$8.7B	5.95%	5.0	A+
September 30, 2025	$8.4B	7.21%	5.0	A
June 30, 2025	$8.3B	7.42%	5.0	A
March 31, 2025	$8.2B	10.40%	5.0	A
December 31, 2024	$8.1B	10.12%	5.0	A
September 30, 2024	$8.0B	9.58%	5.0	A
June 30, 2024	$7.8B	10.22%	5.0	A
March 31, 2024	$7.7B	10.33%	5.0	A
December 31, 2023	$7.8B	10.25%	5.0	A
September 30, 2023	$7.7B	5.73%	5.0	A+

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Tompkins Community Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Tompkins Community Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Tompkins Community Bank's official website for the most current offers and terms.

Bank Profile & Overview

Bank Name Tompkins Community Bank

Website https://www.tompkinsbank.com

Address 118 E Seneca St, Ithaca, NY 14850 · Tompkins

Bank Holding Company TOMPKINS FINANCIAL CORP

FDIC Certificate # 609

Regulator FDIC

Established January 1, 1934

FDIC Insurance Date January 1, 1934

Domestic Offices 59

Total Branches 59

FDIC Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (97/100)

Texas Ratio

6.37%

National Average Texas Ratio

5.85%

Return on Assets (ROA)

1.3841%

Return on Equity (ROE)

15.0300%

Non-Performing Loans Ratio (NPL)

0.60%

Total Assets

$8,790,772,000

Total Deposits

$7,165,944,000

Equity Capital

$815,832,000

Net Income

$60,361,000

Headquarters

Ithaca

Total Branches and Offices

Source: FDIC — Last Updated June 30, 2026

2026 MBR Health & Safety Badge

Tompkins Community Bank earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

anonymous

★★★★★

October 22, 2023

I spoke with a woman to help me with my hsa, she was very nice and helpful.

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Average Rating

★★★★★

Total Reviews

Add Your Rating and Review for Tompkins Community Bank

Frequently Asked Questions About Tompkins Community Bank

Does Tompkins Community Bank offer CDs?

Yes. Tompkins Community Bank current CD rates include its 14-Month CD - True Advantage Bonus at 3.75% APY, its 14-Month CD - True Advantage Plus Bonus at 3.75% APY and its 14-Month CD at 3.54% APY, verified by MonitorBankRates as of November 5, 2026.

Are CDs from Tompkins Community Bank FDIC insured?

Yes. Tompkins Community Bank is insured by the Federal Deposit Insurance Corporation (FDIC), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Tompkins Community Bank?

The highest Tompkins Community Bank CD rate is its 14-Month Certificate of Deposit - True Advantage Bonus at 3.75% APY, verified by MonitorBankRates as of November 5, 2026.

What CD terms does Tompkins Community Bank offer?

Tompkins Community Bank CD rates are 3.35% APY for a 9 month CD, 0.05% APY for a 12 month CD, 3.75% APY for a 14 month CD, 0.10% APY for an 18 month CD, 0.15% APY for a 2 year CD, 1.00% APY for a 3 year CD, 0.20% APY for a 4 year CD and 0.25% APY for a 5 year CD, verified by MonitorBankRates as of November 5, 2026. The institution may offer other terms or specials that are not listed here, so check with Tompkins Community Bank for its full lineup.

What is the highest savings rate at Tompkins Community Bank?

The highest Tompkins Community Bank savings rate is its True Advantage Premier Savings at 3.20% APY, verified by MonitorBankRates as of November 5, 2026.

What is the highest money market rate at Tompkins Community Bank?

The highest Tompkins Community Bank money market rate is its Personal Money Market at 0.08% APY, verified by MonitorBankRates as of November 5, 2026.

What is the highest checking rate at Tompkins Community Bank?

The highest Tompkins Community Bank checking rate is its True Advantage Checking Plus at 0.05% APY, verified by MonitorBankRates as of November 5, 2026.

What is the lowest 30 year fixed mortgage rate at Tompkins Community Bank?

The lowest Tompkins Community Bank 30 year fixed mortgage rate is its Jumbo Fixed 30 Year at 7.00%, verified by MonitorBankRates as of November 5, 2026. Tompkins Community Bank mortgage rates are 7.00% for a 30 year mortgage and 6.50% for a 15 year mortgage.

How many branches does Tompkins Community Bank operate?

Tompkins Community Bank currently maintains approximately 59 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Tompkins Community Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Tompkins Community Bank provides members with tools to manage their accounts and build a solid financial history.

Does Tompkins Community Bank offer online and mobile banking?

Most modern institutions like Tompkins Community Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.tompkinsbank.com.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Tompkins Community Bank rates compare?

Tompkins Community Bank's top CD rate of 3.75% APY on a 14 month CD is 25% higher than the MonitorBankRates national average of 3.00% APY for that term, and it has an A health rating. Tompkins Community Bank's top rates are its 14-Months 14-Month Certificate of Deposit - True Advantage Bonus at 3.75% APY, its True Advantage Premier Savings at 3.20% APY, its Personal Money Market at 0.08% APY, its True Advantage Checking Plus at 0.05% APY and its Jumbo Fixed 15 Year at 6.50%, verified by MonitorBankRates on November 5, 2026.

Current Tompkins Community Bank Rates

12-Month CD0.05%
18-Month CD0.10%
24-Month CD0.15%
36-Month CD1.00%
48-Month CD0.20%
60-Month CD0.25%
Savings3.20%
MMA0.08%

Retrieved from our database of financial products. Rates subject to change.

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Tompkins Community Bank Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Tompkins Community Bank Texas Ratio

Tompkins Community Bank Health Trend

Tompkins Community Bank CD Rates

Tompkins Community Bank Savings Rates

Tompkins Community Bank Money Market Rates

Tompkins Community Bank Checking Rates

Tompkins Community Bank Mortgage Rates

Tompkins Community Bank Other Rates

Financial Health History

Methodology & Data Sources

Bank Profile & Overview

Financials

Tompkins Community Bank earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Tompkins Community Bank

Does Tompkins Community Bank offer CDs?

Are CDs from Tompkins Community Bank FDIC insured?

What is the highest CD rate at Tompkins Community Bank?

What CD terms does Tompkins Community Bank offer?

What is the highest savings rate at Tompkins Community Bank?

What is the highest money market rate at Tompkins Community Bank?

What is the highest checking rate at Tompkins Community Bank?

What is the lowest 30 year fixed mortgage rate at Tompkins Community Bank?

How many branches does Tompkins Community Bank operate?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Tompkins Community Bank offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Tompkins Community Bank rates compare?

Current Tompkins Community Bank Rates

Compare to Other Banks