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

Savings & Deposit Rates

Rates effective December 5, 2016.
APY = Annual Percentage Yield

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

Looking to open one of the below accounts? Contact us.

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%
Premier Money Market ($1,000 - $49,999) 0.150% 0.150%
Premier Money Market ($50,00 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 APY Rate
New Wave Checking (Basic Banking) $25.00    
Now Checking $250.00 * 0.150% 0.150%
Super Now Checking $2,500.00 * 0.250% 0.250%

* 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 Month 1.00% 1.00%
26 Months 0.800% 0.800%
30 Months 0.800% 0.800%
36 Months 0.900% 0.900%
42 Month 1.500% 1.490%
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. 
* 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% 1.590%
60 Months 2.000% 1.990%


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

  • "Taste of Italy" Good Life Trip: Information Session –
    Join us Monday, November 14, 2016 at 6:00 pm for a... “Taste of Italy” Where: Geddes Federal’s Community Room (entrance next to drive thru) When: November 14th at 6 pm Overview:  Host Paolo Carman from Key Row Tours presents an informative session on Geddes' Good Life Adventures trip to Italy!…
    read more…
  • Youth Soccer Camp Nov. 8 2-5pm –
    Geddes Federal Savings & Loan Association is a proud sponsor of the upcoming Running & Reading with the Silver Knights soccer camp on November 8th at the Manlius Library.…
    read more…
  • Announcing the "Lettuce at Geddes" Facebook Giveaway! –
    Win a $100 matching deposit into your Geddes Federal Checking Account or a $100 MasterCard Gift Card by sharing silly photos of you or your family posing with a head of lettuce on our Facebook page!…
    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...