February 06, 2012
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[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
December 05, 2011

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 .300% .300%
6 Months .400% .400%
9 Months .550% .550%
12 Months .650% .650%
13 Months .700% .700%
18 Months .800% .800%
20 Months 1.150% 1.150%
24 Months 1.150% 1.150%
25 Months 1.350% 1.350%
26 Months 1.350% 1.350%
30 Months 1.250% 1.250%
36 Months 1.450% 1.440%
48 Months 1.750% 1.740%
60 Months 2.100% 2.080%

IRA Certificate Rates
*$500.00 MINIMUM
*A penalty may be imposed for early withdrawal.
*APY=Annual Percentage Yield
Term APY* Rate
12 Months .900% .900%
13 Months .950% .950%
18 Months 1.050% 1.050%
20 Months 1.400% 1.400%
24 Months 1.400% 1.400%
25 Months 1.600% 1.590%
26 Months 1.600% 1.590%
30 Months 1.500% 1.490%
36 Months 1.700% 1.690%
48 Months 2.000% 1.990%
60 Months 2.350% 2.330%
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. 		0.900% .0900%

NOW Checking Account
$250.00 MINIMUM BALANCE
$25.00 min. balance to earn interest
*Fees may reduce earnings on account 		0.350% 0.350%

SUPER NOW Checking Account
$2,500.00 MINIMUM BALANCE
$25.00 min.balance to earn interest.
*Fees may reduce earnings on account 		0.450% 0.450%

PASSBOOK Savings
$25.00 min.balance to earn interest
*Fees may reduce earnings on account 		0.300% 0.300%

STATEMENT Savings
$25.00 min.balance to earn interest
*Fees may reduce earnings on account 		0.300% 0.300%

MONEY MARKET Deposit Account (MMDA)
$1000.00 MINUMUM BALANCE
$25.00 min.balance to earn interest
*Balances between $1,000 - $49,999 0.350% 0.350%
*Balances between $50,000 or More .900% .900%
© 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