Looking for a long-term savings option?

Tompkins Mahopac Bank has the account for you.

Check out our CD and IRA options that will help you turn your money into a future.

Certificates of Deposit1

longer term savings.

  • We offer a wide range of CD terms at competitive rates
  • True Advantage customers qualify for an extra.0.25% APY2 on select CD terms
  • $1,000 minimum to open CD

Individual Retirement Accounts1

retirement savings.

  • Retirement savings plan for anyone with income from employment - for themselves and their non-employed spouses
  • Save for retirement and shelter current interest from taxes
  • A variety of CD terms available for both Roth and Traditional IRAs
  • Under certain circumstances, contributions are tax deductible (see your tax advisor for details)

Current CD & IRA Rates

Certificate of Deposit
Annual percentage yield (APY)
1 months 0.05%
2 months 0.05% 
3 months 0.05%
6 months 0.05% 
9 months 0.05%
3 year bump up** 2.50%
Certificate of Deposit/IRA*
Annual percentage yield (APY)
12  months 0.20% 
14 months** 2.25% 
18 months 0.30%
24 months 0.40% 
36 months 0.75%
48 months 1.05%
60 months 1.35% 

*1 - 60 Months $1,000.00 minimum to open

** There is no True Advantage bump up with 14 month special or the Bump Up CD

Single Tier 0.15%
Please note these rates are subject to change at any time. Rates may change after the account is opened. Interest is compounded daily. Fees could reduce earnings on the account. A penalty may be imposed for early withdrawal.
Rates in effect as of 1/23/19.