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CERTIFICATE OF DEPOSIT RATES EFFECTIVE: 08/18/2008

*$500.00 MINIMUM
*A penalty may be imposed for early withdrawal.
*APY=Annual Percentage Yield

Term APY* Rate
6 MONTHS 2.350% 2.330%
9 MONTHS 2.750% 2.720%
12 MONTHS 2.950% 2.910%
13 MONTHS 3.000% 2.960%
18 MONTHS 2.850% 2.820%
20 MONTHS 3.300% 3.250%
24 MONTHS 3.300% 3.250%
25 MONTHS 3.300% 3.250%
26 MONTHS 3.300% 3.250%
30 MONTHS 3.250% 3.200%
36 MONTHS 3.350% 3.300%
48 MONTHS 3.450% 3.400%
60 MONTHS 3.700% 3.640%

IRA CERTIFICATE RATES EFFECTIVE: 08/18/2008

*$500.00 MINIMUM
*A penalty may be imposed for early withdrawal.
*APY=Annual Percentage Yield

Term APY* Rate
12 MONTHS 3.450% 3.400%
13 MONTHS 3.500% 3.450%
18 MONTHS 3.350% 3.300%
20 MONTHS 3.800% 3.740%
24 MONTHS 3.800% 3.740%
25 MONTHS 3.000% 2.960%
30 MONTHS 3.750% 3.690%
36 MONTHS 3.850% 3.790%
48 MONTHS 3.950% 3.880%
60 MONTHS 4.200% 4.120%
18 MONTH VARIABLE
*$25.00 MINIMUM
*A penalty may be imposed for early withdrawal.
*The rate may change after the account is open.		 2.600% 2.580%

NOW CHECKING ACCOUNT
$250.00 MINIMUM BALANCE
$25.00 min. balance to earn interest
*Fees may reduce earnings on account		 0.550% 0.550%

SUPER NOW ACCOUNT
$2,500.00 MINIMUM BALANCE
$25.00 min.balance to earn interest.
*Fees may reduce earnings on account		 0.650% 0.650%

PASSBOOK SAVINGS
$25.00 min.balance to earn interest.
*Fees may reduce earnings on account		 0.550% 0.550%

STATEMENT SAVINGS
$25.00 min.balance to earn interest
*Fees may reduce earnings on account		 0.550% 0.550%

MONEY MARKET DEPOSIT ACCOUNT (MMDA)
$1000.00 MINUMUM BALANCE
$25.00 min.balance to earn interest
*Balances of…$50,000.00 or higher earn		 2.400% 2.380%
*Balances between…$1,000.00…and $49,999.99 1.510% 1.500%
*Balances between…$25.00…and $999.00 0.550% 0.550%

Contact Customer Service at 315-468-6281 for further information about applicable fees and terms. Rates and Terms are subject to change anytime.


© 2001-2002 GEDDES FEDERAL SAVINGS AND LOAN ASSOCIATION
2208 WEST GENESEE ST, WESTVALE PLAZA
SYRACUSE, NEW YORK 13219
(315) 468-6281