315.468.6281 Automated Banking Phone 1.888.881.8627

Personal & Other Loans

First-Time Homebuyer Program

The Geddes Federal first-time homebuyer program allows you to finance your home with a low down payment and a low affordable rate.

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

Christine Lauricella
NMLS 491199
(315) 671-5927

Kathy LaMora
NMLS 491201
(315) 671-5905

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.

  • Least Amount of Fees Charged to Customers –
    The Financial Management Consulting Group (FMC) Ranked Geddes Federal Savings and Loan Association, as the financial institution with the least amount of fees charged to its customers,…
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  • "5 Stars", Recommended for 105 Consecutive Quarters –
    Geddes Federal Savings & Loan has earned a recommended rating (5-Stars or 4-Stars) from the nation’s bank and thrift rating firm: BAUERFINANCIAL, INC.…
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  • Recognized as the “Top performing lender” –
    The Independent Community Bankers Association, ICBA, recently recognized Geddes Federal Savings and Loan Association as the “Top performing lender” of nearly 450 community banks across the nation.…
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Consumer & Fraud Alerts
  • Important Information Regarding Your Account: –
    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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  • Protect your Privacy –
    Get the latest information on preventing Identity Theft and Fraud Prevention
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