Tioga State Bank National Association : Tioga State Bank
1 Main Street
Spencer , NY 14883
Deposit Rates -
March 14, 2026
CD RATES
APY
MIN
MAX
6 Mo CD
4.15%
$5,000
-
Compare
9 Mo CD
4.15%
$5,000
-
Compare
12 Mo CD
4.15%
$5,000
-
Compare
18 Mo CD
0.40%
$10,000
$14,999
Compare
24 Mo CD
0.45%
$10,000
$14,999
Compare
30 Mo CD
0.45%
$10,000
$14,999
Compare
36 Mo CD
0.65%
$10,000
$14,999
Compare
48 Mo CD
0.85%
$10,000
$14,999
Compare
60 Mo CD
1.00%
$10,000
$14,999
Compare
SAVINGS RATES
APY
MIN
MAX
Savings
0.02%
$2,500
$4,999
Compare
MM RATES
APY
MIN
MAX
Money Market
0.03%
$2,500
$2,999
Compare
Money Market
0.03%
$10,000
$14,999
Compare
Money Market
0.06%
$25,000
$29,999
Compare
INT CHECKING RATES
APY
MIN
MAX
Int Ckg
0.02%
$2,500
$3,499
Featured Home Equity Rates in New York
Intro APR : 6.240 %
After Intro: 6.240 %
$0
Third Federal rate are typically 20% lower than other leaders
Guaranteed Lowest Rate
No closing costs, prepayment penalties, or minimum draw requirements
10 year draw period
Intro APR : 6.950 %
After Intro: 6.950 %
$15,000
Relationships Rule: Transactions end, Relationships remain
Accountability is Personal: Reflection before Projection
Service through Knowledge: Great service means great understanding
Evolve to Excel: We need to adapt and improve to succeed
Intro APR : 6.950 %
After Intro: 6.950 %
$15,000
Flexible terms, borrow $15K-$750K, redraw up to 100%
Use to consolidate debt or finance your next home project
100% digital app & automated valuation
Largest non-bank HELOC lender in the US
Rate data provided by RateUpdate.com. Displayed by Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details .
Featured 30-Year Fixed Mortgage Rates in New York
0.000%
$0
Fees & Points
$0 Total
0.000 Pts
($0)
$0 Fees
Fixed rate is locked-in for the life of the loan
PenFed makes home ownership affordable. Federally insured by NCUA
Military service is not required for membership. Equal Housing Lender
Fees & Points
Total
Pts
($0)
$0 Fees
Turn home equity you've earned into cash
Single, convenient monthly payments
Reduce interest with shorter loan terms
Fees & Points
Total
Pts
($0)
$0 Fees
Your home's value could help you save.
Turn your equity into opportunity.
Calculate your home equity loan options with lenders.
Rate data provided by RateUpdate.com. Displayed by Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details .
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