Bank · FDIC insured
Tioga State Bank CD Rates
Tioga State Bank’s best CD rate is 3.20% APY on a 7-month CD. Rates checked October 16, 2026.
How Tioga State Bank’s CD rates compare
Compared with banks and credit unions in New York, where Tioga State Bank has the most branches. $10,000, best rate first.
This bank’s best
Tioga State Bank
3.20%APY
- Term
- 7–20 months
- Minimum
- $5,000
- Earns on $10,000
- —
Certificates of Deposit (CDs)
Top rate
Syracuse Fire Department Credit Union
5.00%APY
- Term
- 6 months
- Minimum
- $1,000
- Earns on $10,000
- $247
2nd-highest rate
Palisades Credit Union
5.00%APY
- Term
- 11 months
- Minimum
- $500
- Earns on $10,000
- $457
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Certificates of Deposit (CDs)
3.20%APY · 1 term
Locked-in fixed rate for duration until maturity. Backed by FDIC insurance up to $250,000.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 7–20 monthsSpecial promotional rate. Minimum balance of $5,000 required to open account and obtain the APY. Interest compounded and credited quarterly. Penalty for early withdrawal. Cannot be part of TSB CD laddering package. Automatically renews to a 12 month CD | 3.20% | $185 |
Sources (3)
- tiogabank.com/personal-banking/cd-ira-products
- tiogabank.com/personal-banking…tificates-of-deposit-cds
- tiogabank.com/your-terms-cd-special
All captured Sep 17, 2026
Special-purpose accounts
Individual Retirement Accounts (IRAs)
3.20%APY · 1 term
Available as Traditional, Roth, and SEP IRAs, as well as IRA Rollovers.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 7–20 monthsSpecial promotional rate for IRAs. Minimum balance of $5,000 required to open account and obtain the APY. Interest compounded and credited quarterly. Penalty for early withdrawal. Automatically renews to a 12 month CD | 3.20% | $185 |
Sources (3)
- tiogabank.com/personal-banking/cd-ira-products
- tiogabank.com/personal-banking…retirement-accounts-iras
- tiogabank.com/your-terms-cd-special
All captured Sep 17, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.