Deposit Rates

The interest rates and annual percentage yields (APYs) stated below are accurate as of 06/30/16 and are subject to change without notice.  You may call (888) 303-4TSB (4872) to obtain current information.

Bonus Rewards CheckingAmountInterest RateAPY*
See BelowSee BelowSee BelowSee Below

 *When the Bonus Rewards Checking qualifications are not met, the interest rate on your account will be .03% and the APY will be .03% on all balances.

When the Bonus Rewards Checking qualifications are met, the interest rate on your account and corresponding APY will be tiered.  If your daily balance is less than $15,001, the interest rate paid on the entire balance will be 1.49% with an APY of 1.50%.  An interest rate of .20% will be paid only for that portion of your daily balance $15,001 and greater.  The APY for this tier will range from 1.50% to .37%, depending on the balance in the account.  This APY range is based on $15,000 below the cap and $100,000 over the cap.

Qualifications include at least 15 point of sale (POS) TSB Debit Card purchases post and settle on your account during the monthly qualification cycle, at least one monthly direct deposit or automated clearing house (ACH) credit, minimum amount of $75, paid into your account during the monthly qualification cycle, and confirmed enrollment in TSB eStatements. Transactions must post to and settle during the monthly qualification cycle. ATM processed transactions do not count towards qualifying debit card transactions. Fees may reduce earnings.

High Yield Money Market Investment
Amount
Interest RateAPY*
Tier 1
$250,000 +
.250%.25%
Tier 2
$100,000 - < $250,000
.120%.12%
Tier 3
$25,000 - < $100,000
.100%.10%
Tier 4
$0 - < $25,000
.000%.00%

*Minimum balance to open is $100,000.  Average daily balance to earn interest and avoid a $25 monthly service charge is $25,000.  Fees may reduce earnings.

CD Ladder Package (Must open 3 Ladder CDs)Minimum to OpenInterest RateAPY*
Ladder CD 12 months to less than 24 months$5,000.400%0.40%
Ladder CD 24 months to less than 36 months$5,000.600%0.60%
Ladder CD 36 months to less than 48 months$5,000.800%0.80%
Ladder CD 48 months to less than 60 months$5,0001.000%1.00%
Ladder CD 60 months$5,0001.300%1.31%

*Offer not available to municipalities. To be eligible for Certificate (CD) Laddering Package, customer must open at least three Ladder CDs/IRAs, each a different term.  Maximum CD Ladder Package per customer is $500,000.  Penalty may be imposed for early withdrawal on Certificates of Deposit.  Fees may reduce earnings.  This offer may be discontinued at any time and may not be used in combination with any other Tioga State Bank promotional offers or coupons.

Certificate of Deposit (CD)Minimum to OpenInterest RateAPY*
12 month CD$1,000.200%0.20%

*This 12 month CD will automatically renew at maturity to a 12 month CD.  Penalty may be imposed for early withdrawal on Certificates of Deposit.  Fees may reduce earnings.