Credit union · NCUA insured
Tompkins Employees FCU CD Rates
Tompkins Employees FCU’s best CD rate is 3.95% APY on a 1-year share certificate (CD). Terms run from 1 year to 5 years. Rates checked October 16, 2026.
How Tompkins Employees FCU’s CD rates compare
Compared with banks and credit unions near Ithaca, NY, where Tompkins Employees FCU has the most branches. $10,000, best rate first.
This credit union’s best
Tompkins Employees FCU
3.80%APY
- Term
- 12 months
- Requires
- None
- Minimum
- —
- Earns on $10,000
- $380
Share Certificate
Top rate
Chemung Canal Trust Company
4.00%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $400
2nd-highest rate
M&T Bank
3.85%APY
- Term
- 18 months
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000
- $583
Tompkins Employees FCU CD score
83
CD score
Higher than 62% of U.S. banks and credit unions
- 9–15 months9–15 mo3.80%
- 16–30 months16–30 mo3.80%
- 31–60 months31–60 mo3.80%
- QualifiedQualified3.80%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Tompkins Employees FCU ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share Certificate
3.80%APY · 5 terms
Early withdrawal penalties apply. Accounts with a specific term earn the opening APY until maturity. Certificate automatically renews into like term at prevailing rate.
| Term | APY · $500 – $25,000 | APY · $25,000 – $75,000 | APY · $75,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 12 months | 3.80% | 3.85% | 3.95% | 3.80%3.85% $25k–$75k3.95% from $75k | $380 |
| 24 months | 3.80% | 3.85% | 3.95% | 3.80%3.85% $25k–$75k3.95% from $75k | $774 |
| 36 months | 3.80% | 3.85% | 3.95% | 3.80%3.85% $25k–$75k3.95% from $75k | $1,184 |
| 48 months | — | 3.85% | 3.95% | —3.85% $25k–$75k3.95% from $75k | — |
| 60 months | — | 3.85% | 3.95% | —3.85% $25k–$75k3.95% from $75k | — |
Sources (1)
- tefcu.com/ps/rates.php · captured Sep 17, 2026
Who can join Tompkins Employees FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Persons employed in the Tompkins County Biggs Complex in Ithaca, NY are eligible for membership, unless eligible for membership in another credit union.
- Employees, medical staff, volunteers, and registered students in training at Cayuga Medical Center are eligible for membership.
- Employees of the credit union, retirees/pensioners/annuitants from qualifying employments, and organizations of such persons are eligible for membership.
- Employees of Ithaca Housing Authority, Triangle Steel, Inc., Hospice, or Bangs Ambulance, Inc. who work in Ithaca, NY are eligible for membership.
- Employees of Mail Box are eligible for membership.
- Employees, members, and volunteers of Shot in the Dark who work in Tompkins County, NY are eligible for membership.
3 more ways to join
Employers and groups
- Employees of US Bulk who work in Trumansburg, NY are eligible for membership.
Military, government and schools
- Employees and elected and appointed officials of specified local governmental units in NY are eligible for membership.
Family and household
- Immediate family members of eligible persons and surviving spouses of persons who died while in the field of membership are eligible for membership.
Membership information collected October 5, 2026.