Call: 315-468-6281 Automated Banking Phone 1-888-881-8627

Personal & Other Loans

First-Time Homebuyer Program 

When you are in need of a loan, Home Equity Loans allow you to use your equity to borrow up to 90% of your home’s appraised value. We offer competitive rates. The Geddes Federal first-time homebuyer program allows you to finance your home with a low down payment and a low affordable rate.

  • Geddes will pay the mortgage tax and bank attorney fees on loans up to $150,000.00.
  • Never have owned a home before and owner occupied.
  • Loan amounts up to 90% of the value of the home you are purchasing
  • No PMI required.
  • Terms up to 30 years, both monthly or biweekly payments.
  • ***For a limited only, first time homebuyers are eligible for a reduced rate over our normal rates

**All Home Equity Loans are subject to a two year reimbursement period.
**See Line of Credit Disclosure for additional information.

Home Equity Loans

When you are in need of a loan, Home Equity Loans allow you to use your equity to borrow up to 90% of your home’s appraised value. We offer competitive rates.

  • Competitive rates
  • Same great rates for 1st and 2nd lien positions
  • Fixed rates, fixed payments
  • Use funds to consolidate credit cards, pay tuition, home improvements and more
  • We pay closing costs & application fee for loans of $20,000.00 or more
  • 90% of the value, minus the balance of 1st MTG.
  • Other products available

**All Home Equity Loans are subject to a two year reimbursement period.
**See Line of Credit Disclosure for additional information.

Home Equity Line of Credit

Home Equity Lines allow you to tap into your equity when you need it. It is as simple as writing a check. This option is a great way to finance unexpected home repairs, college tuition and more. Our low-rate Home Equity Lines of Credit have flexible repayment terms and no closing costs.

Fixed Rate Home Equity Loan

Consider a Home Equity Loan for a one-time expense, such as a kitchen renovation or wedding.

Mortgage Loan Originators

Patricia Orioli
NMLS 491200
(315) 671-5920
porioli@geddesfederal.com

Christine Lauricella
NMLS 491199
(315) 671-5927
clauricella@geddesfederal.com

Kathy LaMora
NMLS 491201
(315) 671-5905
klamora@geddesfederal.com

Checking Line of Credit

Use your funds for whatever you need simply by writing a check.

Passbook Savings Loan

In a bind and don't want to make that withdrawl from your account?
Your money tied up in a certificate of deposit and you don't want to pay the penalty?

Borrow it!

  • You can borrow up to 90% of your available balance,
  • Less one year of interest based on the loan amount for as long as you need.
  • Minimum payment required is that of interest only.
  • Loan rate is 2% above your prevailing account rate.

Contact our savings department for additional details.

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Consumer & Fraud Alerts
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    Geddes Federal Savings and Loan Association does not ask for your personal, financial or account information via telephone, email or pop-up window...
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