What are the current interest rates at Tompkins Employees Federal Credit Union?

Current rates for Tompkins Employees Federal Credit Union include: 12-Month CD: 3.80%, 24-Month CD: 3.80%, 60-Month CD: 3.85%

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Tompkins Employees Federal Credit Union

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Tompkins Employees Federal Credit Union Rates & Review November 2026

Q: What CD terms does Tompkins Employees Federal Credit Union offer?

Tompkins Employees Federal Credit Union CD rates are 3.95% APY for a 12 month CD, 3.95% APY for a 2 year CD, 3.95% APY for a 3 year CD, 3.95% APY for a 4 year CD and 3.95% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Tompkins Employees Federal Credit Union for its full lineup.

Q: Are credit management and repair services offered?

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

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 29, 2026

Tompkins Employees Federal Credit Union's 12 Month CD rates are at 3.95%, 24 Month CD rates are at 3.95%, 36 Month CD rates are at 3.95%, 48 Month CD rates are at 3.95%, 60 Month CD rates are at 3.95%. Tompkins Employees Federal Credit Union's Personal Loan Rates are as low as 7.99%. Tompkins Employees Federal Credit Union's CD rates are 37% higher than the MonitorBankRates national average, and it has an A- health rating. MonitorBankRates evaluates the financial stability of Tompkins Employees Federal Credit Union with a 4.9 Star Rating, an A- Overall Health Grade, and a Texas Ratio of 16.74%. Rates last updated and verified on 10/29/2026.

Tompkins Employees Federal Credit Union 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 Employees Federal Credit Union? Share your experience about Tompkins Employees Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Tompkins Employees Federal Credit Union.

Overall Health & Safety Grade

A-

Very Good Health Score: 90/100

MonitorBankRates Rating

4.9

Exceptional Out of 5.0 Stars

Texas Ratio

16.74%

Good Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

Tompkins Employees Federal Credit Union
TEFCU

202 Taughannock Blvd Ste 1B
Ithaca, NY 14850-3345

https://www.tefcu.com

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Tompkins Employees Federal Credit Union CD Rates

Product	Rate	APY	Term
12 Month Share Certificate	-	3.95%	12 months
Min Balance $75,000 Details Balance: $75,000.00 and up; Rate column unlabeled, footnote defines rates as APY Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.95% APY · checked 3 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
24 Month Share Certificate	-	3.95%	24 months
Min Balance $75,000 Details Balance: $75,000.00 and up; Rate column unlabeled, footnote defines rates as APY Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.95% APY · checked 3 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
36 Month Share Certificate	-	3.95%	36 months
Min Balance $75,000 Details Balance: $75,000.00 and up; Rate column unlabeled, footnote defines rates as APY Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.95% APY · checked 3 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
48 Month Share Certificate	-	3.95%	48 months
Min Balance $75,000 Details Balance: $75,000.00 and up; Rate column unlabeled, footnote defines rates as APY Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.95% APY · checked 3 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
60 Month Share Certificate	-	3.95%	60 months
Min Balance $75,000 Details Balance: $75,000.00 and up; Rate column unlabeled, footnote defines rates as APY Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.95% APY · checked 3 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
12 Month Share Certificate	-	3.85%	12 months
Min Balance $25,000 Details Balance: $25,000.00 - $75,000.00; Rate column unlabeled, footnote defines rates as APY Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.85% APY · checked 3 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
24 Month Share Certificate	-	3.85%	24 months
Min Balance $25,000 Details Balance: $25,000.00 - $75,000.00; Rate column unlabeled, footnote defines rates as APY Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.85% APY · checked 3 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
36 Month Share Certificate	-	3.85%	36 months
Min Balance $25,000 Details Balance: $25,000.00 - $75,000.00; Rate column unlabeled, footnote defines rates as APY Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.85% APY · checked 3 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
48 Month Share Certificate	-	3.85%	48 months
Min Balance $25,000 Details Balance: $25,000.00 - $75,000.00; Rate column unlabeled, footnote defines rates as APY Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.85% APY · checked 3 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
60 Month Share Certificate	-	3.85%	60 months
Min Balance $25,000 Details Balance: $25,000.00 - $75,000.00; Rate column unlabeled, footnote defines rates as APY Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.85% APY · checked 3 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
12 Month Share Certificate	-	3.80%	12 months
Min Balance $500 Details Balance: $500.00 - $25,000.00; Rate column unlabeled, footnote defines rates as APY Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.80% APY · checked 3 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
24 Month Share Certificate	-	3.80%	24 months
Min Balance $500 Details Balance: $500.00 - $25,000.00; Rate column unlabeled, footnote defines rates as APY Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.80% APY · checked 3 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
36 Month Share Certificate	-	3.80%	36 months
Min Balance $500 Details Balance: $500.00 - $25,000.00; Rate column unlabeled, footnote defines rates as APY Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.80% APY · checked 3 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%

Tompkins Employees Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Automobile Loan	6.00%	-	6.00%	Up to 36 Months
Details Credit Grade: A Plus (730 Plus); Model Years: 2022-2026 Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 6.00% APR · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
New Automobile Loan	6.25%	-	6.25%	37-48 Months
Details Credit Grade: A Plus (730 Plus); Model Years: 2022-2026 Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 6.25% APR · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
New Automobile Loan	6.50%	-	6.50%	Up to 36 Months
Details Credit Grade: A (680-729); Model Years: 2022-2026 Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 6.50% APR · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
New Automobile Loan	6.75%	-	6.75%	37-48 Months
Details Credit Grade: A (680-729); Model Years: 2022-2026 Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 6.75% APR · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
New Automobile Loan	6.75%	-	6.75%	60 Months
Details Credit Grade: A Plus (730 Plus); Model Years: 2022-2026 Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 6.75% APR · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
Used Automobile Loan	7.00%	-	7.00%	Up to 36 Months
Details Credit Grade: A Plus (730 Plus); Model Years: 2017-2021 Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 7.00% APR · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
Used Automobile Loan	7.00%	-	7.00%	37-48 Months
Details Credit Grade: A Plus (730 Plus); Model Years: 2017-2021 Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 7.00% APR · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
New Automobile Loan	7.25%	-	7.25%	60 Months
Details Credit Grade: A (680-729); Model Years: 2022-2026 Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 7.25% APR · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
New Automobile Loan	7.50%	-	7.50%	Up to 36 Months
Details Credit Grade: B (640-679); Model Years: 2022-2026 Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 7.50% APR · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
Used Automobile Loan	7.50%	-	7.50%	37-48 Months
Details Credit Grade: A (680-729); Model Years: 2017-2021 Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 7.50% APR · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
Used Automobile Loan	7.50%	-	7.50%	60 Months
Details Credit Grade: A Plus (730 Plus); Model Years: 2017-2021 Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 7.50% APR · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
New Automobile Loan	7.75%	-	7.75%	37-48 Months
Details Credit Grade: B (640-679); Model Years: 2022-2026 Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 7.75% APR · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
New Automobile Loan	7.75%	-	7.75%	72 Months
Details Credit Grade: A Plus (730 Plus); Model Years: 2022-2026 Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 7.75% APR · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
Used Automobile Loan	8.00%	-	8.00%	Up to 36 Months
Details Credit Grade: B (640-679); Model Years: 2017-2021 Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 8.00% APR · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
Used Automobile Loan	8.00%	-	8.00%	60 Months
Details Credit Grade: A (680-729); Model Years: 2017-2021 Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 8.00% APR · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
New Automobile Loan	8.25%	-	8.25%	60 Months
Details Credit Grade: B (640-679); Model Years: 2022-2026 Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 8.25% APR · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
New Automobile Loan	8.25%	-	8.25%	72 Months
Details Credit Grade: A (680-729); Model Years: 2022-2026 Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 8.25% APR · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
New Automobile Loan	8.50%	-	8.50%	84 Months
Details Credit Grade: A Plus (730 Plus); Model Years: 2022-2026 Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 8.50% APR · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
Used Automobile Loan	8.50%	-	8.50%	37-48 Months
Details Credit Grade: B (640-679); Model Years: 2017-2021 Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 8.50% APR · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
Used Automobile Loan	8.50%	-	8.50%	72 Months
Details Credit Grade: A Plus (730 Plus); Model Years: 2017-2021 Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 8.50% APR · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
Used Automobile Loan	8.75%	-	8.75%	84 Months
Details Credit Grade: A Plus (730 Plus); Model Years: 2017-2021 Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 8.75% APR · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
New Automobile Loan	9.00%	-	9.00%	84 Months
Details Credit Grade: A (680-729); Model Years: 2022-2026 Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 9.00% APR · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
Used Automobile Loan	9.00%	-	9.00%	60 Months
Details Credit Grade: B (640-679); Model Years: 2017-2021 Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 9.00% APR · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
Used Automobile Loan	9.00%	-	9.00%	72 Months
Details Credit Grade: A (680-729); Model Years: 2017-2021 Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 9.00% APR · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
New Automobile Loan	9.25%	-	9.25%	72 Months
Details Credit Grade: B (640-679); Model Years: 2022-2026 Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 9.25% APR · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
Used Automobile Loan	9.25%	-	9.25%	84 Months
Details Credit Grade: A (680-729); Model Years: 2017-2021 Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 9.25% APR · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
New Automobile Loan	9.50%	-	9.50%	Up to 36 Months
Details Credit Grade: C (600-639); Model Years: 2022-2026 Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 9.50% APR · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
New Automobile Loan	9.75%	-	9.75%	37-48 Months
Details Credit Grade: C (600-639); Model Years: 2022-2026 Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 9.75% APR · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
New Automobile Loan	10.00%	-	10.00%	84 Months
Details Credit Grade: B (640-679); Model Years: 2022-2026 Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 10.00% APR · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
Used Automobile Loan	10.00%	-	10.00%	Up to 36 Months
Details Credit Grade: C (600-639); Model Years: 2017-2021 Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 10.00% APR · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
Used Automobile Loan	10.00%	-	10.00%	72 Months
Details Credit Grade: B (640-679); Model Years: 2017-2021 Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 10.00% APR · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
New Automobile Loan	10.25%	-	10.25%	60 Months
Details Credit Grade: C (600-639); Model Years: 2022-2026 Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 10.25% APR · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
Used Automobile Loan	10.25%	-	10.25%	84 Months
Details Credit Grade: B (640-679); Model Years: 2017-2021 Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 10.25% APR · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
Used Automobile Loan	10.50%	-	10.50%	37-48 Months
Details Credit Grade: C (600-639); Model Years: 2017-2021 Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 10.50% APR · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
Used Automobile Loan	11.00%	-	11.00%	60 Months
Details Credit Grade: C (600-639); Model Years: 2017-2021 Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 11.00% APR · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
New Automobile Loan	11.25%	-	11.25%	72 Months
Details Credit Grade: C (600-639); Model Years: 2022-2026 Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 11.25% APR · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
New Automobile Loan	12.00%	-	12.00%	84 Months
Details Credit Grade: C (600-639); Model Years: 2022-2026 Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 12.00% APR · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
Used Automobile Loan	12.00%	-	12.00%	72 Months
Details Credit Grade: C (600-639); Model Years: 2017-2021 Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 12.00% APR · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
Used Automobile Loan	12.25%	-	12.25%	84 Months
Details Credit Grade: C (600-639); Model Years: 2017-2021 Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 12.25% APR · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
New Automobile Loan	12.50%	-	12.50%	Up to 36 Months
Details Credit Grade: D (550-599); Model Years: 2022-2026 Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 12.50% APR · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
New Automobile Loan	12.75%	-	12.75%	37-48 Months
Details Credit Grade: D (550-599); Model Years: 2022-2026 Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 12.75% APR · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
Used Automobile Loan	13.00%	-	13.00%	Up to 36 Months
Details Credit Grade: D (550-599); Model Years: 2017-2021 Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 13.00% APR · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
New Automobile Loan	13.25%	-	13.25%	60 Months
Details Credit Grade: D (550-599); Model Years: 2022-2026 Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 13.25% APR · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
Used Automobile Loan	13.50%	-	13.50%	37-48 Months
Details Credit Grade: D (550-599); Model Years: 2017-2021 Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 13.50% APR · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
Used Automobile Loan	14.00%	-	14.00%	60 Months
Details Credit Grade: D (550-599); Model Years: 2017-2021 Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 14.00% APR · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
New Automobile Loan	14.25%	-	14.25%	72 Months
Details Credit Grade: D (550-599); Model Years: 2022-2026 Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 14.25% APR · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
New Automobile Loan	15.00%	-	15.00%	84 Months
Details Credit Grade: D (550-599); Model Years: 2022-2026 Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 15.00% APR · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
Used Automobile Loan	15.00%	-	15.00%	72 Months
Details Credit Grade: D (550-599); Model Years: 2017-2021 Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 15.00% APR · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
Used Automobile Loan	15.25%	-	15.25%	84 Months
Details Credit Grade: D (550-599); Model Years: 2017-2021 Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 15.25% APR · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
New Automobile Loan	15.50%	-	15.50%	Up to 36 Months
Details Credit Grade: E (Below 549); Model Years: 2022-2026 Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 15.50% APR · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
New Automobile Loan	15.75%	-	15.75%	37-48 Months
Details Credit Grade: E (Below 549); Model Years: 2022-2026 Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 15.75% APR · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
Used Automobile Loan	16.00%	-	16.00%	Up to 36 Months
Details Credit Grade: E (Below 549); Model Years: 2017-2021 Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 16.00% APR · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
New Automobile Loan	16.25%	-	16.25%	60 Months
Details Credit Grade: E (Below 549); Model Years: 2022-2026 Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 16.25% APR · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
Used Automobile Loan	16.50%	-	16.50%	37-48 Months
Details Credit Grade: E (Below 549); Model Years: 2017-2021 Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 16.50% APR · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
Used Automobile Loan	17.00%	-	17.00%	60 Months
Details Credit Grade: E (Below 549); Model Years: 2017-2021 Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 17.00% APR · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
New Automobile Loan	17.25%	-	17.25%	72 Months
Details Credit Grade: E (Below 549); Model Years: 2022-2026 Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 17.25% APR · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
New Automobile Loan	17.99%	-	17.99%	84 Months
Details Credit Grade: E (Below 549); Model Years: 2022-2026 Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 17.99% APR · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
Used Automobile Loan	17.99%	-	17.99%	72 Months
Details Credit Grade: E (Below 549); Model Years: 2017-2021 Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 17.99% APR · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
Used Automobile Loan	17.99%	-	17.99%	84 Months
Details Credit Grade: E (Below 549); Model Years: 2017-2021 Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 17.99% APR · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%

Tompkins Employees Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Recreational Titled Loan	7.49%	7.49%	12 to 48 Months
Details Credit Grade: A Plus (730 Plus); Vehicles: ATV, snowmobile, dirt bike, motorcycle, lawn tractor, boat, camper, motorhome Last Updated 10/29/2026 Rate History No change since Sep 30, 2026 · 7.49% APR · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
Recreational Titled Loan	7.99%	7.99%	60 Months
Details Credit Grade: A Plus (730 Plus); Vehicles: ATV, snowmobile, dirt bike, motorcycle, lawn tractor, boat, camper, motorhome Last Updated 10/29/2026 Rate History No change since Sep 30, 2026 · 7.99% APR · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
Recreational Titled Loan	7.99%	7.99%	72 Months
Details Credit Grade: A Plus (730 Plus); Vehicles: ATV, snowmobile, dirt bike, motorcycle, lawn tractor, boat, camper, motorhome Last Updated 10/29/2026 Rate History No change since Sep 30, 2026 · 7.99% APR · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
Recreational Titled Loan	7.99%	7.99%	84 Months
Details Credit Grade: A Plus (730 Plus); Vehicles: ATV, snowmobile, dirt bike, motorcycle, lawn tractor, boat, camper, motorhome Last Updated 10/29/2026 Rate History No change since Sep 30, 2026 · 7.99% APR · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
Recreational Titled Loan	7.99%	7.99%	120 Months
Details Credit Grade: A Plus (730 Plus); Vehicles: ATV, snowmobile, dirt bike, motorcycle, lawn tractor, boat, camper, motorhome Last Updated 10/29/2026 Rate History No change since Sep 30, 2026 · 7.99% APR · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
Recreational UCC Lien Loan	7.99%	7.99%	12 to 48 Months
Details Credit Grade: A Plus (730 Plus); Vehicles: ATV, snowmobile, dirt bike, motorcycle, lawn tractor, boat, camper, motorhome Last Updated 10/29/2026 Rate History No change since Sep 30, 2026 · 7.99% APR · checked 7 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
Recreational Titled Loan	8.49%	8.49%	12 to 48 Months
Details Credit Grade: A (680-729); Vehicles: ATV, snowmobile, dirt bike, motorcycle, lawn tractor, boat, camper, motorhome Last Updated 10/29/2026 Rate History No change since Sep 30, 2026 · 8.49% APR · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
Recreational Titled Loan	8.49%	8.49%	180 Months
Details Credit Grade: A Plus (730 Plus); Vehicles: ATV, snowmobile, dirt bike, motorcycle, lawn tractor, boat, camper, motorhome Last Updated 10/29/2026 Rate History No change since Sep 30, 2026 · 8.49% APR · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
Recreational UCC Lien Loan	8.49%	8.49%	60 Months
Details Credit Grade: A Plus (730 Plus); Vehicles: ATV, snowmobile, dirt bike, motorcycle, lawn tractor, boat, camper, motorhome Last Updated 10/29/2026 Rate History No change since Sep 30, 2026 · 8.49% APR · checked 7 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
Recreational UCC Lien Loan	8.49%	8.49%	72 Months
Details Credit Grade: A Plus (730 Plus); Vehicles: ATV, snowmobile, dirt bike, motorcycle, lawn tractor, boat, camper, motorhome Last Updated 10/29/2026 Rate History No change since Sep 30, 2026 · 8.49% APR · checked 7 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
Recreational UCC Lien Loan	8.49%	8.49%	84 Months
Details Credit Grade: A Plus (730 Plus); Vehicles: ATV, snowmobile, dirt bike, motorcycle, lawn tractor, boat, camper, motorhome Last Updated 10/29/2026 Rate History No change since Sep 30, 2026 · 8.49% APR · checked 7 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
Recreational UCC Lien Loan	8.49%	8.49%	120 Months
Details Credit Grade: A Plus (730 Plus); Vehicles: ATV, snowmobile, dirt bike, motorcycle, lawn tractor, boat, camper, motorhome Last Updated 10/29/2026 Rate History No change since Sep 30, 2026 · 8.49% APR · checked 7 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
Recreational Titled Loan	8.99%	8.99%	60 Months
Details Credit Grade: A (680-729); Vehicles: ATV, snowmobile, dirt bike, motorcycle, lawn tractor, boat, camper, motorhome Last Updated 10/29/2026 Rate History No change since Sep 30, 2026 · 8.99% APR · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
Recreational Titled Loan	8.99%	8.99%	72 Months
Details Credit Grade: A (680-729); Vehicles: ATV, snowmobile, dirt bike, motorcycle, lawn tractor, boat, camper, motorhome Last Updated 10/29/2026 Rate History No change since Sep 30, 2026 · 8.99% APR · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
Recreational Titled Loan	8.99%	8.99%	84 Months
Details Credit Grade: A (680-729); Vehicles: ATV, snowmobile, dirt bike, motorcycle, lawn tractor, boat, camper, motorhome Last Updated 10/29/2026 Rate History No change since Sep 30, 2026 · 8.99% APR · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
Recreational Titled Loan	8.99%	8.99%	120 Months
Details Credit Grade: A (680-729); Vehicles: ATV, snowmobile, dirt bike, motorcycle, lawn tractor, boat, camper, motorhome Last Updated 10/29/2026 Rate History No change since Sep 30, 2026 · 8.99% APR · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
Recreational UCC Lien Loan	8.99%	8.99%	12 to 48 Months
Details Credit Grade: A (680-729); Vehicles: ATV, snowmobile, dirt bike, motorcycle, lawn tractor, boat, camper, motorhome Last Updated 10/29/2026 Rate History No change since Sep 30, 2026 · 8.99% APR · checked 7 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
Recreational UCC Lien Loan	8.99%	8.99%	180 Months
Details Credit Grade: A Plus (730 Plus); Vehicles: ATV, snowmobile, dirt bike, motorcycle, lawn tractor, boat, camper, motorhome Last Updated 10/29/2026 Rate History No change since Sep 30, 2026 · 8.99% APR · checked 7 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
Recreational Titled Loan	9.49%	9.49%	180 Months
Details Credit Grade: A (680-729); Vehicles: ATV, snowmobile, dirt bike, motorcycle, lawn tractor, boat, camper, motorhome Last Updated 10/29/2026 Rate History No change since Sep 30, 2026 · 9.49% APR · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
Recreational UCC Lien Loan	9.49%	9.49%	60 Months
Details Credit Grade: A (680-729); Vehicles: ATV, snowmobile, dirt bike, motorcycle, lawn tractor, boat, camper, motorhome Last Updated 10/29/2026 Rate History No change since Sep 30, 2026 · 9.49% APR · checked 7 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
Recreational UCC Lien Loan	9.49%	9.49%	72 Months
Details Credit Grade: A (680-729); Vehicles: ATV, snowmobile, dirt bike, motorcycle, lawn tractor, boat, camper, motorhome Last Updated 10/29/2026 Rate History No change since Sep 30, 2026 · 9.49% APR · checked 7 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
Recreational UCC Lien Loan	9.49%	9.49%	84 Months
Details Credit Grade: A (680-729); Vehicles: ATV, snowmobile, dirt bike, motorcycle, lawn tractor, boat, camper, motorhome Last Updated 10/29/2026 Rate History No change since Sep 30, 2026 · 9.49% APR · checked 7 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
Recreational UCC Lien Loan	9.49%	9.49%	120 Months
Details Credit Grade: A (680-729); Vehicles: ATV, snowmobile, dirt bike, motorcycle, lawn tractor, boat, camper, motorhome Last Updated 10/29/2026 Rate History No change since Sep 30, 2026 · 9.49% APR · checked 7 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
Recreational UCC Lien Loan	9.99%	9.99%	180 Months
Details Credit Grade: A (680-729); Vehicles: ATV, snowmobile, dirt bike, motorcycle, lawn tractor, boat, camper, motorhome Last Updated 10/29/2026 Rate History No change since Sep 30, 2026 · 9.99% APR · checked 7 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
Recreational Titled Loan	10.49%	10.49%	12 to 48 Months
Details Credit Grade: B (640-679); Vehicles: ATV, snowmobile, dirt bike, motorcycle, lawn tractor, boat, camper, motorhome Last Updated 10/29/2026 Rate History No change since Sep 30, 2026 · 10.49% APR · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
Recreational Titled Loan	10.99%	10.99%	60 Months
Details Credit Grade: B (640-679); Vehicles: ATV, snowmobile, dirt bike, motorcycle, lawn tractor, boat, camper, motorhome Last Updated 10/29/2026 Rate History No change since Sep 30, 2026 · 10.99% APR · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
Recreational Titled Loan	10.99%	10.99%	72 Months
Details Credit Grade: B (640-679); Vehicles: ATV, snowmobile, dirt bike, motorcycle, lawn tractor, boat, camper, motorhome Last Updated 10/29/2026 Rate History No change since Sep 30, 2026 · 10.99% APR · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
Recreational Titled Loan	10.99%	10.99%	84 Months
Details Credit Grade: B (640-679); Vehicles: ATV, snowmobile, dirt bike, motorcycle, lawn tractor, boat, camper, motorhome Last Updated 10/29/2026 Rate History No change since Sep 30, 2026 · 10.99% APR · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
Recreational Titled Loan	10.99%	10.99%	120 Months
Details Credit Grade: B (640-679); Vehicles: ATV, snowmobile, dirt bike, motorcycle, lawn tractor, boat, camper, motorhome Last Updated 10/29/2026 Rate History No change since Sep 30, 2026 · 10.99% APR · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
Recreational UCC Lien Loan	10.99%	10.99%	12 to 48 Months
Details Credit Grade: B (640-679); Vehicles: ATV, snowmobile, dirt bike, motorcycle, lawn tractor, boat, camper, motorhome Last Updated 10/29/2026 Rate History No change since Sep 30, 2026 · 10.99% APR · checked 7 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
Recreational Titled Loan	11.49%	11.49%	180 Months
Details Credit Grade: B (640-679); Vehicles: ATV, snowmobile, dirt bike, motorcycle, lawn tractor, boat, camper, motorhome Last Updated 10/29/2026 Rate History No change since Sep 30, 2026 · 11.49% APR · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
Recreational UCC Lien Loan	11.49%	11.49%	60 Months
Details Credit Grade: B (640-679); Vehicles: ATV, snowmobile, dirt bike, motorcycle, lawn tractor, boat, camper, motorhome Last Updated 10/29/2026 Rate History No change since Sep 30, 2026 · 11.49% APR · checked 7 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
Recreational UCC Lien Loan	11.49%	11.49%	72 Months
Details Credit Grade: B (640-679); Vehicles: ATV, snowmobile, dirt bike, motorcycle, lawn tractor, boat, camper, motorhome Last Updated 10/29/2026 Rate History No change since Sep 30, 2026 · 11.49% APR · checked 7 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
Recreational UCC Lien Loan	11.49%	11.49%	84 Months
Details Credit Grade: B (640-679); Vehicles: ATV, snowmobile, dirt bike, motorcycle, lawn tractor, boat, camper, motorhome Last Updated 10/29/2026 Rate History No change since Sep 30, 2026 · 11.49% APR · checked 7 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
Recreational UCC Lien Loan	11.49%	11.49%	120 Months
Details Credit Grade: B (640-679); Vehicles: ATV, snowmobile, dirt bike, motorcycle, lawn tractor, boat, camper, motorhome Last Updated 10/29/2026 Rate History No change since Sep 30, 2026 · 11.49% APR · checked 7 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
Recreational UCC Lien Loan	11.99%	11.99%	180 Months
Details Credit Grade: B (640-679); Vehicles: ATV, snowmobile, dirt bike, motorcycle, lawn tractor, boat, camper, motorhome Last Updated 10/29/2026 Rate History No change since Sep 30, 2026 · 11.99% APR · checked 7 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
Recreational Titled Loan	12.49%	12.49%	12 to 48 Months
Details Credit Grade: C (600-639); Vehicles: ATV, snowmobile, dirt bike, motorcycle, lawn tractor, boat, camper, motorhome Last Updated 10/29/2026 Rate History No change since Sep 30, 2026 · 12.49% APR · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
Recreational Titled Loan	12.99%	12.99%	60 Months
Details Credit Grade: C (600-639); Vehicles: ATV, snowmobile, dirt bike, motorcycle, lawn tractor, boat, camper, motorhome Last Updated 10/29/2026 Rate History No change since Sep 30, 2026 · 12.99% APR · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
Recreational Titled Loan	12.99%	12.99%	72 Months
Details Credit Grade: C (600-639); Vehicles: ATV, snowmobile, dirt bike, motorcycle, lawn tractor, boat, camper, motorhome Last Updated 10/29/2026 Rate History No change since Sep 30, 2026 · 12.99% APR · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
Recreational Titled Loan	12.99%	12.99%	84 Months
Details Credit Grade: C (600-639); Vehicles: ATV, snowmobile, dirt bike, motorcycle, lawn tractor, boat, camper, motorhome Last Updated 10/29/2026 Rate History No change since Sep 30, 2026 · 12.99% APR · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
Recreational Titled Loan	12.99%	12.99%	120 Months
Details Credit Grade: C (600-639); Vehicles: ATV, snowmobile, dirt bike, motorcycle, lawn tractor, boat, camper, motorhome Last Updated 10/29/2026 Rate History No change since Sep 30, 2026 · 12.99% APR · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
Recreational UCC Lien Loan	12.99%	12.99%	12 to 48 Months
Details Credit Grade: C (600-639); Vehicles: ATV, snowmobile, dirt bike, motorcycle, lawn tractor, boat, camper, motorhome Last Updated 10/29/2026 Rate History No change since Sep 30, 2026 · 12.99% APR · checked 7 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
Recreational Titled Loan	13.49%	13.49%	180 Months
Details Credit Grade: C (600-639); Vehicles: ATV, snowmobile, dirt bike, motorcycle, lawn tractor, boat, camper, motorhome Last Updated 10/29/2026 Rate History No change since Sep 30, 2026 · 13.49% APR · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
Recreational UCC Lien Loan	13.49%	13.49%	60 Months
Details Credit Grade: C (600-639); Vehicles: ATV, snowmobile, dirt bike, motorcycle, lawn tractor, boat, camper, motorhome Last Updated 10/29/2026 Rate History No change since Sep 30, 2026 · 13.49% APR · checked 7 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
Recreational UCC Lien Loan	13.49%	13.49%	72 Months
Details Credit Grade: C (600-639); Vehicles: ATV, snowmobile, dirt bike, motorcycle, lawn tractor, boat, camper, motorhome Last Updated 10/29/2026 Rate History No change since Sep 30, 2026 · 13.49% APR · checked 7 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
Recreational UCC Lien Loan	13.49%	13.49%	84 Months
Details Credit Grade: C (600-639); Vehicles: ATV, snowmobile, dirt bike, motorcycle, lawn tractor, boat, camper, motorhome Last Updated 10/29/2026 Rate History No change since Sep 30, 2026 · 13.49% APR · checked 7 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
Recreational UCC Lien Loan	13.49%	13.49%	120 Months
Details Credit Grade: C (600-639); Vehicles: ATV, snowmobile, dirt bike, motorcycle, lawn tractor, boat, camper, motorhome Last Updated 10/29/2026 Rate History No change since Sep 30, 2026 · 13.49% APR · checked 7 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
Recreational UCC Lien Loan	13.99%	13.99%	180 Months
Details Credit Grade: C (600-639); Vehicles: ATV, snowmobile, dirt bike, motorcycle, lawn tractor, boat, camper, motorhome Last Updated 10/29/2026 Rate History No change since Sep 30, 2026 · 13.99% APR · checked 7 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
Recreational Titled Loan	14.49%	14.49%	12 to 48 Months
Details Credit Grade: D (550-599); Vehicles: ATV, snowmobile, dirt bike, motorcycle, lawn tractor, boat, camper, motorhome Last Updated 10/29/2026 Rate History No change since Sep 30, 2026 · 14.49% APR · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
Recreational Titled Loan	14.99%	14.99%	60 Months
Details Credit Grade: D (550-599); Vehicles: ATV, snowmobile, dirt bike, motorcycle, lawn tractor, boat, camper, motorhome Last Updated 10/29/2026 Rate History No change since Sep 30, 2026 · 14.99% APR · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
Recreational Titled Loan	14.99%	14.99%	72 Months
Details Credit Grade: D (550-599); Vehicles: ATV, snowmobile, dirt bike, motorcycle, lawn tractor, boat, camper, motorhome Last Updated 10/29/2026 Rate History No change since Sep 30, 2026 · 14.99% APR · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
Recreational Titled Loan	14.99%	14.99%	84 Months
Details Credit Grade: D (550-599); Vehicles: ATV, snowmobile, dirt bike, motorcycle, lawn tractor, boat, camper, motorhome Last Updated 10/29/2026 Rate History No change since Sep 30, 2026 · 14.99% APR · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
Recreational Titled Loan	14.99%	14.99%	120 Months
Details Credit Grade: D (550-599); Vehicles: ATV, snowmobile, dirt bike, motorcycle, lawn tractor, boat, camper, motorhome Last Updated 10/29/2026 Rate History No change since Sep 30, 2026 · 14.99% APR · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
Recreational UCC Lien Loan	14.99%	14.99%	12 to 48 Months
Details Credit Grade: D (550-599); Vehicles: ATV, snowmobile, dirt bike, motorcycle, lawn tractor, boat, camper, motorhome Last Updated 10/29/2026 Rate History No change since Sep 30, 2026 · 14.99% APR · checked 7 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
Recreational Titled Loan	15.49%	15.49%	180 Months
Details Credit Grade: D (550-599); Vehicles: ATV, snowmobile, dirt bike, motorcycle, lawn tractor, boat, camper, motorhome Last Updated 10/29/2026 Rate History No change since Sep 30, 2026 · 15.49% APR · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
Recreational UCC Lien Loan	15.49%	15.49%	60 Months
Details Credit Grade: D (550-599); Vehicles: ATV, snowmobile, dirt bike, motorcycle, lawn tractor, boat, camper, motorhome Last Updated 10/29/2026 Rate History No change since Sep 30, 2026 · 15.49% APR · checked 7 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
Recreational UCC Lien Loan	15.49%	15.49%	72 Months
Details Credit Grade: D (550-599); Vehicles: ATV, snowmobile, dirt bike, motorcycle, lawn tractor, boat, camper, motorhome Last Updated 10/29/2026 Rate History No change since Sep 30, 2026 · 15.49% APR · checked 7 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
Recreational UCC Lien Loan	15.49%	15.49%	84 Months
Details Credit Grade: D (550-599); Vehicles: ATV, snowmobile, dirt bike, motorcycle, lawn tractor, boat, camper, motorhome Last Updated 10/29/2026 Rate History No change since Sep 30, 2026 · 15.49% APR · checked 7 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
Recreational UCC Lien Loan	15.49%	15.49%	120 Months
Details Credit Grade: D (550-599); Vehicles: ATV, snowmobile, dirt bike, motorcycle, lawn tractor, boat, camper, motorhome Last Updated 10/29/2026 Rate History No change since Sep 30, 2026 · 15.49% APR · checked 7 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
Recreational UCC Lien Loan	15.99%	15.99%	180 Months
Details Credit Grade: D (550-599); Vehicles: ATV, snowmobile, dirt bike, motorcycle, lawn tractor, boat, camper, motorhome Last Updated 10/29/2026 Rate History No change since Sep 30, 2026 · 15.99% APR · checked 7 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
Recreational Titled Loan	16.49%	16.49%	12 to 48 Months
Details Credit Grade: E (Below 549); Vehicles: ATV, snowmobile, dirt bike, motorcycle, lawn tractor, boat, camper, motorhome Last Updated 10/29/2026 Rate History No change since Sep 30, 2026 · 16.49% APR · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
Recreational Titled Loan	16.99%	16.99%	60 Months
Details Credit Grade: E (Below 549); Vehicles: ATV, snowmobile, dirt bike, motorcycle, lawn tractor, boat, camper, motorhome Last Updated 10/29/2026 Rate History No change since Sep 30, 2026 · 16.99% APR · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
Recreational Titled Loan	16.99%	16.99%	72 Months
Details Credit Grade: E (Below 549); Vehicles: ATV, snowmobile, dirt bike, motorcycle, lawn tractor, boat, camper, motorhome Last Updated 10/29/2026 Rate History No change since Sep 30, 2026 · 16.99% APR · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
Recreational Titled Loan	16.99%	16.99%	84 Months
Details Credit Grade: E (Below 549); Vehicles: ATV, snowmobile, dirt bike, motorcycle, lawn tractor, boat, camper, motorhome Last Updated 10/29/2026 Rate History No change since Sep 30, 2026 · 16.99% APR · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
Recreational Titled Loan	16.99%	16.99%	120 Months
Details Credit Grade: E (Below 549); Vehicles: ATV, snowmobile, dirt bike, motorcycle, lawn tractor, boat, camper, motorhome Last Updated 10/29/2026 Rate History No change since Sep 30, 2026 · 16.99% APR · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
Recreational UCC Lien Loan	16.99%	16.99%	12 to 48 Months
Details Credit Grade: E (Below 549); Vehicles: ATV, snowmobile, dirt bike, motorcycle, lawn tractor, boat, camper, motorhome Last Updated 10/29/2026 Rate History No change since Sep 30, 2026 · 16.99% APR · checked 7 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
Recreational Titled Loan	17.49%	17.49%	180 Months
Details Credit Grade: E (Below 549); Vehicles: ATV, snowmobile, dirt bike, motorcycle, lawn tractor, boat, camper, motorhome Last Updated 10/29/2026 Rate History No change since Sep 30, 2026 · 17.49% APR · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
Recreational UCC Lien Loan	17.49%	17.49%	60 Months
Details Credit Grade: E (Below 549); Vehicles: ATV, snowmobile, dirt bike, motorcycle, lawn tractor, boat, camper, motorhome Last Updated 10/29/2026 Rate History No change since Sep 30, 2026 · 17.49% APR · checked 7 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
Recreational UCC Lien Loan	17.49%	17.49%	72 Months
Details Credit Grade: E (Below 549); Vehicles: ATV, snowmobile, dirt bike, motorcycle, lawn tractor, boat, camper, motorhome Last Updated 10/29/2026 Rate History No change since Sep 30, 2026 · 17.49% APR · checked 7 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
Recreational UCC Lien Loan	17.49%	17.49%	84 Months
Details Credit Grade: E (Below 549); Vehicles: ATV, snowmobile, dirt bike, motorcycle, lawn tractor, boat, camper, motorhome Last Updated 10/29/2026 Rate History No change since Sep 30, 2026 · 17.49% APR · checked 7 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
Recreational UCC Lien Loan	17.49%	17.49%	120 Months
Details Credit Grade: E (Below 549); Vehicles: ATV, snowmobile, dirt bike, motorcycle, lawn tractor, boat, camper, motorhome Last Updated 10/29/2026 Rate History No change since Sep 30, 2026 · 17.49% APR · checked 7 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
Recreational UCC Lien Loan	17.99%	17.99%	180 Months
Details Credit Grade: E (Below 549); Vehicles: ATV, snowmobile, dirt bike, motorcycle, lawn tractor, boat, camper, motorhome Last Updated 10/29/2026 Rate History No change since Sep 30, 2026 · 17.99% APR · checked 7 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%

Tompkins Employees Federal Credit Union Personal Loan Rates

Product	APR	Term
Signature Loan	7.99%	12 Months
Details Credit Grade: A Plus (730 Plus); Max Amount: $25,000 Last Updated 10/29/2026 Rate History No change since Sep 30, 2026 · 7.99% APR · checked 7 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
Signature Loan	8.99%	24 Months
Details Credit Grade: A Plus (730 Plus); Max Amount: $25,000 Last Updated 10/29/2026 Rate History No change since Sep 30, 2026 · 8.99% APR · checked 7 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
Signature Loan	9.99%	12 Months
Details Credit Grade: A (680-729); Max Amount: $20,000 Last Updated 10/29/2026 Rate History No change since Sep 30, 2026 · 9.99% APR · checked 7 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
Signature Loan	9.99%	36 Months
Details Credit Grade: A Plus (730 Plus); Max Amount: $25,000 Last Updated 10/29/2026 Rate History No change since Sep 30, 2026 · 9.99% APR · checked 7 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
Signature Loan	10.99%	24 Months
Details Credit Grade: A (680-729); Max Amount: $20,000 Last Updated 10/29/2026 Rate History No change since Sep 30, 2026 · 10.99% APR · checked 7 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
Signature Loan	10.99%	48 Months
Details Credit Grade: A Plus (730 Plus); Max Amount: $25,000 Last Updated 10/29/2026 Rate History No change since Sep 30, 2026 · 10.99% APR · checked 7 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
Signature Loan	11.99%	12 Months
Details Credit Grade: B (640-679); Max Amount: $20,000 Last Updated 10/29/2026 Rate History No change since Sep 30, 2026 · 11.99% APR · checked 7 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
Signature Loan	11.99%	36 Months
Details Credit Grade: A (680-729); Max Amount: $20,000 Last Updated 10/29/2026 Rate History No change since Sep 30, 2026 · 11.99% APR · checked 7 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
Signature Loan	11.99%	60 Months
Details Credit Grade: A Plus (730 Plus); Max Amount: $25,000 Last Updated 10/29/2026 Rate History No change since Sep 30, 2026 · 11.99% APR · checked 7 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
Signature Loan	12.99%	24 Months
Details Credit Grade: B (640-679); Max Amount: $20,000 Last Updated 10/29/2026 Rate History No change since Sep 30, 2026 · 12.99% APR · checked 7 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
Signature Loan	12.99%	48 Months
Details Credit Grade: A (680-729); Max Amount: $20,000 Last Updated 10/29/2026 Rate History No change since Sep 30, 2026 · 12.99% APR · checked 7 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
Signature Loan	12.99%	72 Months
Details Credit Grade: A Plus (730 Plus); Max Amount: $25,000 Last Updated 10/29/2026 Rate History No change since Sep 30, 2026 · 12.99% APR · checked 7 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
Signature Loan	13.99%	12 Months
Details Credit Grade: C (600-639); Max Amount: $15,000 Last Updated 10/29/2026 Rate History No change since Sep 30, 2026 · 13.99% APR · checked 7 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
Signature Loan	13.99%	36 Months
Details Credit Grade: B (640-679); Max Amount: $20,000 Last Updated 10/29/2026 Rate History No change since Sep 30, 2026 · 13.99% APR · checked 7 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
Signature Loan	13.99%	60 Months
Details Credit Grade: A (680-729); Max Amount: $20,000 Last Updated 10/29/2026 Rate History No change since Sep 30, 2026 · 13.99% APR · checked 7 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
Signature Loan	14.99%	24 Months
Details Credit Grade: C (600-639); Max Amount: $15,000 Last Updated 10/29/2026 Rate History No change since Sep 30, 2026 · 14.99% APR · checked 7 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
Signature Loan	14.99%	48 Months
Details Credit Grade: B (640-679); Max Amount: $20,000 Last Updated 10/29/2026 Rate History No change since Sep 30, 2026 · 14.99% APR · checked 7 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
Signature Loan	14.99%	72 Months
Details Credit Grade: A (680-729); Max Amount: $20,000 Last Updated 10/29/2026 Rate History No change since Sep 30, 2026 · 14.99% APR · checked 7 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
Signature Loan	15.99%	12 Months
Details Credit Grade: D (550-599); Max Amount: $10,000 Last Updated 10/29/2026 Rate History No change since Sep 30, 2026 · 15.99% APR · checked 7 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
Signature Loan	15.99%	36 Months
Details Credit Grade: C (600-639); Max Amount: $15,000 Last Updated 10/29/2026 Rate History No change since Sep 30, 2026 · 15.99% APR · checked 7 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
Signature Loan	15.99%	60 Months
Details Credit Grade: B (640-679); Max Amount: $20,000 Last Updated 10/29/2026 Rate History No change since Sep 30, 2026 · 15.99% APR · checked 7 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
Signature Loan	16.99%	24 Months
Details Credit Grade: D (550-599); Max Amount: $10,000 Last Updated 10/29/2026 Rate History No change since Sep 30, 2026 · 16.99% APR · checked 7 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
Signature Loan	16.99%	48 Months
Details Credit Grade: C (600-639); Max Amount: $15,000 Last Updated 10/29/2026 Rate History No change since Sep 30, 2026 · 16.99% APR · checked 7 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
Signature Loan	16.99%	72 Months
Details Credit Grade: B (640-679); Max Amount: $20,000 Last Updated 10/29/2026 Rate History No change since Sep 30, 2026 · 16.99% APR · checked 7 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
Signature Loan	17.99%	12 Months
Details Credit Grade: E (Below 549); Max Amount: $5,000 Last Updated 10/29/2026 Rate History No change since Sep 30, 2026 · 17.99% APR · checked 7 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
Signature Loan	17.99%	24 Months
Details Credit Grade: E (Below 549); Max Amount: $5,000 Last Updated 10/29/2026 Rate History No change since Sep 30, 2026 · 17.99% APR · checked 7 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
Signature Loan	17.99%	36 Months
Details Credit Grade: D (550-599); Max Amount: $10,000 Last Updated 10/29/2026 Rate History No change since Sep 30, 2026 · 17.99% APR · checked 7 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
Signature Loan	17.99%	48 Months
Details Credit Grade: D (550-599); Max Amount: $10,000 Last Updated 10/29/2026 Rate History No change since Sep 30, 2026 · 17.99% APR · checked 7 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%
Signature Loan	17.99%	60 Months
Details Credit Grade: C (600-639); Max Amount: $15,000 Last Updated 10/29/2026 Rate History No change since Sep 30, 2026 · 17.99% APR · checked 7 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%

Tompkins Employees Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term	View More
Pay Day Loan	24.00%	-	24.00%	Max 6 months
Details Up to $1,000.00 Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 24.00% APR · checked 7 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.74%

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 Employees Federal Credit Union’s Texas Ratio rose from 2.13% in Q3 2023 to 16.74% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 4.9 and its Health Grade from A+ to A-. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union 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	$12M	16.74%	4.9	A-
March 31, 2026	$13M	22.37%	4.4	B-
December 31, 2025	$12M	5.31%	5.0	A+
September 30, 2025	$12M	3.56%	5.0	A+
June 30, 2025	$12M	1.96%	5.0	A+
March 31, 2025	$12M	1.10%	5.0	A+
December 31, 2024	$12M	1.81%	5.0	A+
September 30, 2024	$12M	1.12%	5.0	A+
June 30, 2024	$11M	1.29%	5.0	A+
March 31, 2024	$11M	0.71%	5.0	A+
December 31, 2023	$11M	2.04%	5.0	A+
September 30, 2023	$12M	2.13%	5.0	A+

Source: NCUA 5300 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 Employees Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member 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 credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Tompkins Employees Federal Credit Union 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 Employees Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Tompkins Employees Federal Credit Union

Website https://www.tefcu.com

Address 202 Taughannock Blvd Ste 1B, Ithaca, NY 14850-3345

Phone 607-272-8567

Fax 607-273-0941

President Erika Rose

CEO Kimberly Payne

Full-Time Employees 4

Part-Time Employees 0

Branch Locations 1

ATM Locations 0

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

Financials

MonitorBankRates Star Rating

4.9 / 5.0 ★

Overall Health & Safety Grade

A- (90/100)

Texas Ratio

16.74%

Return on Assets (ROA)

0.3208%

Return on Equity (ROE)

3.1424%

Non-Performing Loans Ratio (NPL)

5.70%

Total Assets

12,093,455

Total Amount of Shares and Deposits

10,818,530

Total Shares and Deposits < 1 Year

10,818,530

Total Insured Shares and Deposits > $250K (item 17 less item K)

10,818,530

Total Interest Expense (Sum of items 6 8)

590

Share Certificates

Number of Accounts for Share Drafts

505

Number of Accounts for Regular Shares

1,005

All other shares

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

5,094,283

Total Liabilities

10,858,871

Source: NCUA — Last Updated 06/30/2026

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Tompkins Employees Federal Credit Union

Does Tompkins Employees Federal Credit Union offer CDs?

Yes. Tompkins Employees Federal Credit Union current CD rates include its 12 Month CD at 3.95% APY, its 24 Month CD at 3.95% APY and its 36 Month CD at 3.95% APY, verified by MonitorBankRates as of October 29, 2026.

Are CDs from Tompkins Employees Federal Credit Union NCUA insured?

Yes. Tompkins Employees Federal Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Tompkins Employees Federal Credit Union?

The highest Tompkins Employees Federal Credit Union CD rate is its 12 Month CD at 3.95% APY, verified by MonitorBankRates as of October 29, 2026.

What CD terms does Tompkins Employees Federal Credit Union offer?

Tompkins Employees Federal Credit Union CD rates are 3.95% APY for a 12 month CD, 3.95% APY for a 2 year CD, 3.95% APY for a 3 year CD, 3.95% APY for a 4 year CD and 3.95% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Tompkins Employees Federal Credit Union for its full lineup.

What is the lowest personal loan rate at Tompkins Employees Federal Credit Union?

The lowest Tompkins Employees Federal Credit Union personal loan rate is its Signature Loan at 7.99%, verified by MonitorBankRates as of October 29, 2026.

How many branches does Tompkins Employees Federal Credit Union operate?

Tompkins Employees Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Tompkins Employees Federal Credit Union?

Yes, to access services at Tompkins Employees Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Tompkins Employees Federal Credit Union 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 Employees Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Tompkins Employees Federal Credit Union offer online and mobile banking?

Most modern institutions like Tompkins Employees Federal Credit Union 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.tefcu.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. Credit unions require membership, so you may need to join first. 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 in the credit union, 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 Employees Federal Credit Union rates compare?

Tompkins Employees Federal Credit Union's CD rates are 37% higher than the MonitorBankRates national average, and it has an A- health rating. Tompkins Employees Federal Credit Union's top rates are its 12 Month CD at 3.95% APY and its Signature Loan at 7.99% APR, verified by MonitorBankRates on October 29, 2026.

Current Tompkins Employees Federal Credit Union Rates

12-Month CD3.80%
24-Month CD3.80%
60-Month CD3.85%

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

Compare to Other Credit Unions

Tompkins Employees Federal Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Tompkins Employees Federal Credit Union Texas Ratio

Tompkins Employees Federal Credit Union Health Trend

Tompkins Employees Federal Credit Union CD Rates

Tompkins Employees Federal Credit Union Auto Loan Rates

Tompkins Employees Federal Credit Union RV, Boat and Powersport Loan Rates

Tompkins Employees Federal Credit Union Personal Loan Rates

Tompkins Employees Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Customer Reviews

Frequently Asked Questions About Tompkins Employees Federal Credit Union

Does Tompkins Employees Federal Credit Union offer CDs?

Are CDs from Tompkins Employees Federal Credit Union NCUA insured?

What is the highest CD rate at Tompkins Employees Federal Credit Union?

What CD terms does Tompkins Employees Federal Credit Union offer?

What is the lowest personal loan rate at Tompkins Employees Federal Credit Union?

How many branches does Tompkins Employees Federal Credit Union operate?

Is a member application needed to join Tompkins Employees Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Tompkins Employees Federal Credit Union 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 Employees Federal Credit Union rates compare?

Current Tompkins Employees Federal Credit Union Rates

Compare to Other Credit Unions