315.468.6281 Automated Banking Phone 1.888.881.8627

Savings & Deposit Rates

Rates effective January 20, 2015.
APY = Annual Percentage Yield

Estimate Customer Insurance Coverage with the FDIC's
Electronic Deposit Insurance Estimator (EDIE)

Savings Accounts

Savings Product APY Rate
Passbook Savings 0.100% 0.100%
Statement Savings 0.100% 0.100%
Money Market ($1,000 - $49,999) 0.150% 0.150%
Money Market ($50,000 or more) 0.700% 0.700%

* Savings account minimum balance $25.00
* Money Market minimum balance $1,000.00

Checking Accounts

Checking Product Balance To Open
New Wave Checking (Basic Banking) $25.00
Now Checking $250.00 *
Super Now Checking $2,500.00 *

* Now Checking Account requires a minimum daily balance of $250.00 to avoid a $5.00 monthly fee.
* Super Now Checking Account requires a minimum daily balance of $2,500.00 to avoid a $5.00 maintenance fee.

 

Certificate Rates

Term APY Rate
4 Months 0.200% 0.200%
6 Months 0.300% 0.300%
9 Months 0.450% 0.450%
12 Months 0.500% 0.500%
13 Months 0.550% 0.550%
18 Months 0.550% 0.550%
20 Months 0.600% 0.600%
24 Months 0.600% 0.600%
25 Months 0.800% 0.800%
26 Months 0.800% 0.800%
30 Months 0.800% 0.800%
36 Months 0.900% 0.900%
48 Months 1.600% 1.590%
60 Months 2.000% 1.990%

* Interest rates are subject to change at any time.
* $500.00 minimum balance required. 
* $25.00 minimum to earn interest. 
* Penalty may be imposed for early withdrawal 
* APY = Annual percentage yield, Interest is compounded daily and posted quarterly

* Notice:  Deposit accounts are only opened for consumers residing or businesses that are located within 150 miles of our Syracuse, New York location.

IRA Rates

Term APY Rate
12 Months 0.750% 0.750%
13 Months 0.800% 0.800%
18 Months 0.800% 0.800%
20 Months 0.850% 0.850%
24 Months 0.850% 0.850%
25 Months 1.050% 1.050%
26 Months 1.050% 1.050%
30 Months 1.050% 1.050%
36 Months 1.150% 1.150%
48 Months 1.600% 1.600%
60 Months 2.000% 1.990%

* Interest rates are subject to change at any time. 
* $500.00 minimum balance required. 
* $25.00 minimum to earn interest. 
* Penalty may be imposed for early withdrawal 
* Interest is compounded daily and posted quarterly

  • 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,…
    read more…
  • "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.…
    read more…
  • 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.…
    read more…
More News
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...
    read more…
  • Protect your Privacy –
    Get the latest information on preventing Identity Theft and Fraud Prevention
    read more…
More Consumer & Fraud Alerts...