Effective immediately, the Manlius Branch is closed until further notice. Please use our Westvale Plaza Office. All customer service for Savings, new accounts and loan origination are by appointment only. The Westvale main and mortgage lobbies are by appointment only. (315) 468-6281. We recommend using the Drive Thru, Online Banking, Mobile App and our ATM network. Update from the Geddes Federal CEO.

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

Mortgage Rates

Rates effective October 16, 2020
APR= Annual Percentage Rate

Mortgage Loan Specialists

Conventional Fixed Rate Mortgage

Term/Payment APR Fixed Rate
7 Year Monthly (0 Points) 2.718% 2.500%
10 Year Monthly (0 Points) 2.907% 2.750%
12 Year Monthly (0 Points) 2.882% 2.750%
15 Year Monthly (0 Points) 2.983% 2.875%
15 Year Bi-Weekly (0 Points) 2.995% 2.875%
20 Year Bi-Weekly (0 Points) 3.093% 3.000%
20 Year Monthly (0 Points) 3.209% 3.125%
25 Year Bi Weekly SPECIAL (0 Points) 3.077% 3.000%
30 Year Bi weekly (0 Points) 3.317% 3.250%

Adjustable Rate Mortgages

Conventional 30 Year ARM Loans APR Interest Rate
10-1 ARM (0 Points) 2.911% 3.000%
7-1 ARM (0 Points) 2.798% 2.875%
5-1 ARM (0 Points) 2.726% 2.750%
5-1 ARM Special 2.385% 1.750%

Benefits of Geddes Federal 25 Year Mortgage Rates near Syracuse, NY


Geddes Federal Savings and Loan Association offers affordable 25 year mortgage rates near Syracuse, NY. We offer competitive 25 year mortgage rates with bi-weekly payment terms, making your dream of homeownership affordable. 

25 year mortgage rates include lower monthly payments compared to shorter mortgage terms. This is because you're paying off your mortgage over a longer period of time, allowing for low monthly or bi-weekly payments that fit your budget. This also allows you more financial flexibility to save toward your goals.

During the COVID-19 Pandemic, Health and Safety Are the Top Priority At Geddes Federal. Our Loan Specialists Would Be Happy to Discuss Mortgages That Fit Your Budget.

Currently, meeting with a Geddes Federal Savings and Loan Association loan specialist is available by appointment only.

Our employees are sanitizing areas after each customer, and social distancing and wearing a mask is required for both customers and employees.

Make an Appointment

We Offer More Than 25 Year Mortgage Rates. Learn More About Our Mortgage Rates Below


*Conventional 30 Year ARM Loans

*ARM Loans are variable rate loans; Interest rates and payments may increase after consumption.

*Jumbo Loans over $453,100.00, add a 1/8% more to the conventional rate.

*Rates are subject to change at anytime.

*Add 1/4% to loan between 10-19% down payment.

*Weekly Special is only available up to 80% L.T.V..

*Add 1/4% to a loan under $25,000.00.



*Lending area is within 50 miles of our Syracuse New York location.

5-1 ARM SPECIAL 0 Points, 20% Down. Interest rate of 1.750%, APR 2.385%  Example, For $100,000.00 loan amount,  annual percentage rate of 2.385%, 60 principal and interest of $357.25. 61-359 principal and interest of $394.68. One final payment of $392.50. Total Finance Charge $40,745.66. Total of payments $139,836.82. The payments do not include taxes and insurance, the actual payment obligation may be higher. The interest rate and monthly payment amount may vary after the first 60 months.  ARM loans are variable rate loans; Interest rates and payments may increase after consumption.

30 Year Bi-Weekly - 0 Points - 20% Down. Interest Rate 3.250%. APR 3.317%   Example-For a $100,000.00 loan amount, annual percentage rate of 3.317%,1-683 Bi-weekly principal and interest payments of $217.61. One final payment of $189.98. Total Finance Charges of $49,707.27. Total of payments, $148,817.61. The payments do not include taxes and insurance, the actual payment obligation may be higher.

25 Year Bi-Weekly SPECIAL - 0 Points - 20% Down. Interest Rate 3.000%. APR 3.077% Example-For a $100,000.00 loan amount, annual percentage rate of 3.077%, 1-578 Bi-weekly principal and interest payments of $237.11 One final payment of $44.84. Total Finance Charges of $37,974.49. Total of payments, $137,094.42. The payments do not include taxes and insurance, the actual payment obligation may be higher.

20 Year Bi-Weekly - 0 Points - 20% Down. Interest Rate 3.000%. APR 3.093% Example-For a $100,000.00 loan amount, annual percentage rate of 3.093%, 1-466 Bi-weekly principal and interest payments of $277.30. One final payment of $154.83. Total Finance Charges of $30,256.70. Total of payments, $129,376.63. The payments do not include taxes and insurance, the actual payment obligation may be higher.

20 Year Monthly- 0 Points-20% Down. Interest Rate 3.125%. APR 3.209% Example-For a $100,000.00 loan amount, annual percentage rate of 3.209%, 1-239 principal and interest Payments of $560.88. One final payment of $559.51. Total Finance Charges of $35,631.68. Total of payments, $134,609.83. The payments do not include taxes and insurance, the actual payment obligation may be higher.

15 Year Monthly- 0 Points-20% Down. Interest Rate 2.875%. APR 2.983% Example-For a $100,000.00 loan amount, annual percentage rate of 2.983%, 1-179 principal and interest payments of $684.59. One final payment of $683.63. Total Finance Charges of $24,226.54. Total of payments, $123,225.24.  The payments do not include taxes and insurance, the actual payment obligation may be higher.

15 Year Bi. Weekly- 0 Points-20% Down. Interest Rate of 2.875% APR 2.995%. Example for a $100,000.00 loan amount, annual percentage rate 2.995%, 1-353 Bi-weekly principal and interest payments of $342.30. One final payment of $7.32. Total Finance Charge of $21,714.49. Total of payments $120,839.22. The payments do not include taxes and insurance, the actual payment obligation may be higher.

12 Year Monthly-0 Points - 20% Down. Interest Rate of 2.750% APR 2.882%. Example for a $100,000.00 loan amount, annual percentage rate 2.882%, 1-143 principal & interest payments of $816.11. One final payment of $815.55. Total Finance Charge of $18,510.31. Total of payments $117,519.28. The payments do not include taxes and insurance, the actual payment obligation may be higher.

10 Year Monthly 0 Points-20% Down. Interest Rate of 2.750% APR 2.907%. Example for a $100,000.00 loan amount, Annual percentage rate 2.907%. 1-119 principal & interest payments of $954.12. One Final Payment of $952.78.  Total Finance Charge of $15,484.09. Total of payments $114,493.06.  The payments do not include taxes and insurance, the actual payment obligation may be higher.

7 Year Monthly 0 Points-20% Down. Interest Rate of 2.500% APR 2.718%.  Example for a $100,000.00 loan amount, annual percentage rate of 2.718%. 1-83 principal & interest payments of $1,298.92. One final payment of $1,298.55. Total Finance Charge of $10,079.39. Total of payments $109,108.91. The payments do not include taxes and insurance, the actual payment obligation may be higher.

10-1 ARM 0 points,20% Down. Interest rate of 3.000%. APR 2.911%. Example for a $100,000.00 loan amount, annual percentage rate of 2.911%, 1-120 principal and interest payments of $421.61.  121-359 principal and interest payments of $407.48.  One final payment of $404.97. Total finance charges $49,397.47. Total of payments $148,385.89. The payments do not include taxes and insurance, the actual payment obligation may be higher.  The interest rate and monthly payment amount may vary after the first 120 months.  ARM loans are variable rate loans; Interest rates and payments may increase after consumption.

7-1 ARM 0 points, 20% Down. Interest rate of 2.875%. APR 2.798%. Example for a $100,000.00 loan amount,  annual percentage rate of 2.798%. 1-84 principal and interest payments of $414.90. 85 - 359 principal and interest payments of $404.33. One final payment $403.07. Total Finance Charge $47,446.72. Total of payments $146,445.42. The payments do not include taxes and insurance, the actual payment obligation may be higher.  The interest rate and monthly payment amount may vary after the first 84 months.  ARM loans are variable rate loans; Interest rates and payments may increase after consumption.

5-1 ARM 0 Points, 20% Down. Interest rate of 2.750%, APR 2.726%  Example, For $100,000.00 loan amount,  annual percentage rate of 2.726%, 60 principal and interest of $408.25. 61-359 principal and interest of $402.60. One final payment of $402.09. Total Finance Charge $46,265.52. Total of payments $145,274.49. The payments do not include taxes and insurance, the actual payment obligation may be higher. The interest rate and monthly payment amount may vary after the first 60 months.  ARM loans are variable rate loans; Interest rates and payments may increase after consumption.

For Current Mortgage Rates near Syracuse, NY, and to Apply for a Mortgage...

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EHL Black

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  • 5-1 Adjustable Rate Mortgage Special Fixed Rate of 1.75% for 5 Years –
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