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

Personal & Other Loans

Learn More Here

First-Time Home Buyer Program 

The Geddes Federal first-time Home Buyer loan allows you to finance your home with a low down payment and a low affordable rate.

  • Geddes will pay the mortgage tax and bank attorney fees on First Time Home Buyer loans up to $1,600.00.
  • Never have owned a home before and owner occupied.
  • Loan amounts up to 90% of the value of the home you are purchasing
  • No PMI required.
  • Terms up to 30 years, both monthly or biweekly payments.
  • ***For a limited only, first time homebuyers are eligible for a reduced rate over our normal rates

**All Home Equity Loans are subject to a two year reimbursement period.
**See Line of Credit Disclosure for additional information.

Home Equity Loans

When you are in need of a loan, Home Equity Loans allow you to use your equity to borrow up to 90% of your home’s appraised value. We offer competitive rates.

  • Competitive rates
  • Same great rates for 1st and 2nd lien positions
  • Fixed rates, fixed payments
  • Use funds to consolidate credit cards, pay tuition, home improvements and more
  • We pay closing costs & application fee for loans of $20,000.00 or more
  • 90% of the value, minus the balance of 1st MTG.
  • Other products available

**All Home Equity Loans are subject to a two year reimbursement period.
**See Line of Credit Disclosure for additional information.

Home Equity Line of Credit

Home Equity Lines allow you to tap into your equity when you need it. It is as simple as writing a check. This option is a great way to finance unexpected home repairs, college tuition and more. Our low-rate Home Equity Lines of Credit have flexible repayment terms and no closing costs.

Fixed Rate Home Equity Loan

Consider a Home Equity Loan for a one-time expense, such as a kitchen renovation or wedding.

Mortgage Loan Specialists

Shauna Grant
NMLS #1460014
(315) 671-5939 (Direct)

Chris Lauricella
NMLS #491199
(315) 671-5927 (Direct)

Christy Krzywda
Branch Manager - Manlius Office
(315)671-5971 (Direct)

Linda Meade (Manlius Office)
(315)468-6281 ext#5961

Checking Line of Credit

Use your funds for whatever you need simply by writing a check.

Passbook Savings Loan

In a bind and don't want to make that withdrawl from your account?
Your money tied up in a certificate of deposit and you don't want to pay the penalty?

Borrow it!

  • You can borrow up to 90% of your available balance,
  • Less one year of interest based on the loan amount for as long as you need.
  • Minimum payment required is that of interest only.
  • Loan rate is 2% above your prevailing account rate.

Contact our savings department for additional details.

Open a Checking Account with Us Today

Saving Accounts can Save You a Bundle in the Long Run. Find out More

  • Geddes Federal Savings & Loan Association Invests $1 Million into Home HeadQuarters’ Local Enterprise Housing Fund –
    Geddes Federal Savings and Loan Association recently invested $1 Million into HHQ's Enterprise Fund. The fund, created by Home HeadQuarters to address health and safety issues in affordable housing like lead exposure, energy improvements and accessibility. Home HeadQuarters’ Executive Director, K…
    read more…
  • Helping the Homeless in Syracuse with "A Tiny Home for Good" –
    Geddes Federal Savings and Loan is proud to support the mission and work of “A Tiny Home for Good."…
    read more…
  • Helping Fund Childhood Cancer Research with The Geddes Savinators Team for St. Baldrick's –
    Congratulations and a big Thank you! to The Geddes Savinators Team for participating in the St Baldrick’s - shavings their heads event!…
    read more…
Consumer & Fraud Alerts
  • COVID-19 Related Fraud Scams Increasing –
    A Federal Bureau of Investigation public service announcement warns that scammers are leveraging the COVID-19 pandemic to steal money and personal identification information.
    read more…
  • Plan for an Emergency –
    Consider opening an Emergency Fund savings account with your STIMULUS payment.
    read more…
More Consumer & Fraud Alerts...