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Overview / Commentary
110 North Tioga Street
Ithaca, NY 14850

Tompkins Trust Company is headquartered in Ithaca and is the 32nd largest bank in the state of New York. It is also the 398th largest bank in the nation. It was established in 1934 and as of December of 2017, it had grown to 462 employees at 14 locations. Tompkins Trust Company has a B+ health rating.

Reviews (2)

My Experience Banking With Tompkins County Trust Bank

When I lived in Ithaca, New York from 1993 to 2013, Tompkins County Trust was one of the popular local banks in the area. I'm not sure what year it was, but I opened up my first bank account with this bank when I was in High School (probably a freshman). I had a savings and a checking account. At the time I also had a credit card, and made my credit card payments through this bank. Basically, my experience with them was always positive. This was a bank that works very well with it's customers. I never once had a problem depositing or withdrawing money, and they fees very very minimal. Since I lived in this area where the bank is headquartered there were multiple branches and ATMs for me to use. As I banked there for many years, and visited many different branches, some of the tellers remembered me and treated me with a personal touch. Occasionally, I can remember a few times where I had forgotten my wallet, but was still able to cash a check without my ID because the teller knew me that well and had no problem extending their help in that situation. Additionally, I will also mention a time where I was on vacation and my credit card was stolen. When I called in to report the stolen card, the thief had already been able to spend upwards of 1000 dollars on it fraudulently. This was in fact a big hassle, and I was stressed out a lot, but the bank assured me that if fraud did in fact take place that I was protected and that they would help me get my money back. When I got back from vacation I worked with the bank to identify the fraudulent charges, and the money was returned in a very timely fashion and I was not bothered about the incident any further. I was very grateful for this kind of efficient service. I continued banking in this bank up until I moved from New York to California, and if I for some reason I ever ended up living in Ithaca, NY again, I would make sure to open up an account again.

Tompkins County Trust Credit Union

Posted by: TTime | Oct 6, 2014

Overall a good place to do your local banking. They work well with what you have and try to get you the best avenues with ease. Opening an account was simple and worked fine without much hassle. Their customer service was great and always open with helping all people. Their online banking could be improved a little bit, but it is not too bad in comparison to other places. Overall a great place to go keep your savings.


Health Grade Components

FDIC Certificate #609
Year Established1934
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.07%
Return on Equity - YTD17%
Annual Interest Income$65.6MM
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$2.12B$1.96B
LoansQ4 2017vs Q4 2016$1.32B$1.18B
DepositsQ4 2017vs Q4 2016$1.53B$1.48B
Equity CapitalQ4 2017vs Q4 2016$128.4MM$121.7MM
Loan Loss AllowanceQ4 2017vs Q4 2016$10.3MM$9.3MM
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$6.4MM$3.1MM
Real Estate OwnedQ4 2017vs Q4 2016$0$120.00K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Tompkins Trust Company Savings Account Rates

0.20%*$25k*-Variable Rate IRA
OTHER TIERS: 0.10% $1k - $25k
0.15%*$50k*-Health Savings Account
OTHER TIERS: 0.05% Up to $10k | 0.08% $10k - $25k | 0.10% $25k - $50k
0.13%*$50k*-True Advantage Savings
OTHER TIERS: 0.05% $2,500 - $10k | 0.08% $10k - $25k | 0.10% $25k - $50k
0.08%*$2,500*-Welcome Savings
OTHER TIERS: 0.05% Up to $2,500
0.08%*$2,500*-Starter Savings
OTHER TIERS: 0.05% Up to $2,500
0.08%*$2,500*-Business Savings
OTHER TIERS: 0.05% Up to $2,500

Tompkins Trust Company Money Market Rates

0.13%*$50k*-Business Advantage Money Market Account
OTHER TIERS: 0.03% Up to $2,500 | 0.05% $2,500 - $10k | 0.08% $10k - $25k | 0.10% $25k - $50k
0.07%*$50k*-Personal Money Market Account
OTHER TIERS: 0.03% Up to $25k | 0.05% $25k - $50k

Tompkins Trust Company Checking Account Rates

0.05%*$50k*-True Advantage Checking Plus Account
OTHER TIERS: 0.03% $2,500 - $10k | 0.04% $10k - $50k
0.05%--Business NOW Account
0.03%--Direct Checking with Interest

Tompkins Trust Company CD Rates

1.00%--60 Month CD
0.70%$1k-36 Month CD
0.70%$1k-48 Month CD
0.60%$1k-24 Month CD
0.35%$1k-14 Month CD
0.25%$1k-12 Month CD
0.25%$1k-18 Month CD
0.25%$1k-9 Month CD
0.15%$1k-6 Month CD
0.15%$1k-3 Month CD
0.10%$1k-1 Month CD
0.10%$1k-2 Month CD

Tompkins Trust Company IRA Rates

1.00%--60 Month IRA
0.70%$1k-36 Month IRA
0.70%$1k-48 Month IRA
0.60%$1k-24 Month IRA
0.35%$1k-14 Month IRA
0.25%$1k-12 Month IRA
0.25%$1k-18 Month IRA
0.25%$1k-9 Month IRA
0.15%$1k-6 Month IRA
0.15%$1k-3 Month IRA
0.10%$1k-1 Month IRA
0.10%$1k-2 Month IRA


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