July 30, 2010
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Main Office
[315] 468-6281
Mortgage Office
[315] 468-6803
 Our Hours
Main Lobby Hours:
Monday - Thursday
9:30 a.m. - 5:00 p.m.
Friday
9:30 a.m. - 6:00 p.m.
Mortgage Hours:
Monday - Thursday
9:00 a.m. - 5:00 p.m.
Friday
9:00 a.m. - 6:00 p.m.
Drive Thru Hours:
Monday - Thursday
8:00 a.m. - 4:00 p.m.
Friday
8:00 a.m. - 6:00 p.m.
Savings Rates
Effective July 19, 2010

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

CERTIFICATE OF DEPOSIT RATES
*$500.00 MINIMUM
*A penalty may be imposed for early withdrawal.
*APY=Annual Percentage Yield
Term APY* Rate
4 Months .800% .800%
6 Months .900% .900%
9 Months 1.050% 1.050%
12 Months 1.150% 1.150%
13 Months 1.200% 1.200%
18 Months 1.300% 1.300%
20 Months 1.750% 1.740%
24 Months 1.750% 1.740%
25 Months 1.950% 1.940%
26 Months 1.950% 1.940%
30 Months 1.950% 1.940%
36 Months 2.150% 2.130%
48 Months 2.450% 2.430%
60 Months 2.800% 2.770%

IRA Certificate Rates
*$500.00 MINIMUM
*A penalty may be imposed for early withdrawal.
*APY=Annual Percentage Yield
Term APY* Rate
12 Months 1.650% 1.640%
13 Months 1.700% 1.690%
18 Months 1.800% 1.790%
20 Months 2.250% 2.230%
24 Months 2.250% 2.230%
25 Months 2.450% 2.430%
26 Months 2.450% 2.430%
30 Months 2.450% 2.430%
36 Months 2.650% 2.620%
48 Months 2.950% 2.910%
60 Months 3.300% 3.250%
18 Month Variable Interest Rate
*$25.00 MINIMUM
*A penalty may be imposed for early withdrawal.
*The rate may change after the account is open. 		1.500% 1.490%

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 Checking 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 		.0550% 0.550%

MONEY MARKET Deposit Account (MMDA)
$1000.00 MINUMUM BALANCE
$25.00 min.balance to earn interest
*Balances between $1,000 - $49,999 0.800% 0.800%
*Balances between $50,000 or More 1.700% 1.700%
© 2001-2011
GEDDES FEDERAL SAVINGS AND LOAN ASSOCIATION
PRIVACY STATEMENT | SITE MAP | CONTACT US 		2208 WEST GENESEE ST
SYRACUSE, NEW YORK 13219
(315) 468-6281 | 1-888-468-6281