At Geddes Federal Savings and Loan Association, we get it. Life is busy, and it can be hard to find the time to get to a bank -- between work, family and everything else life throws at you.
Whether you're looking to achieve your savings goals, make a house your home or get the financing you need for life's big plans, Geddes Federal Savings and Loan Association is here to help.
Geddes Federal offers several online options to achieve your goals.
How Geddes Federal Can Help
- Open a Savings Account Online
- Moving Your Checking and/or Savings Account to Geddes
- Apply for a Mortgage Online
- Apply Online for Mortgage Refinancing
- Apply Online for a Home Equity Loan or Home Equity Line of Credit
Open a Savings Account Online
Whatever you're saving toward, your neighbors at Geddes Federal are here to make it easy to get started.
Whether you're new to Geddes Federal or you already have an account, we offer convenient, secure options to open a savings account online.
Achieving your savings goals starts here. The sooner you start saving, the sooner you can take that vacation, save the date for a wedding, make a house your home or anything you can dream up.
To start saving...
The Right Savings Accounts for Your Goals
Geddes Federal has several high interest savings account options.
Our savings accounts include:
- Certificates of Deposit (CD Accounts) - If you're looking to save for a certain amount of time and need a high yield savings account, consider opening a Certificates of Deposit (CD) account. Our CD accounts are available from 4 months up to 72 months, have a minimum of $500 to open and offer generous interest rates.
- Money Market Accounts - This type of savings account provides the liquidity of a checking account with a higher interest rate than a traditional savings account. It has 5 tiers that, depending on your account balance, can pay a premium rate.
- Statement Savings Accounts - This savings account is great for any savings goal, with interest compounded daily and posted monthly. With no monthly service fee and only a $25 minimum to open an account, it is a perfect place to get started in building a nest egg for the future.
- Kid's Savings Club Account - With only a $25 minimum starting balance, kids and teens can get a head start on savings and learn personal finance skills. Interest compounds daily and posts monthly.
Would You Rather Talk About It?
While Geddes Federal offers several online account opening options for your convenience, getting your questions answered from a local, knowledgeable Geddes Federal team member is just a phone call away.
Whether you have questions about savings accounts, or would like to discuss which type of savings account is the best fit for your goals, we're here to help.
Call Us at 315-468-6281
Looking to Move Your Account?
Get Local Support and Convenient Online Banking
Mystery fees adding up? A frustrating lack of support when you have questions? There are a lot of reasons why someone may want to break up with their bank. At Geddes Federal, we make it easy to move your checking and/or savings account.
When you have questions, a local, knowledgeable Geddes Federal team member is just a phone call away. At Geddes Federal, you don't need to deal with outsourced customer service where the person on the other end doesn't know you or understand the specifics of your concern.
The Convenience You Need in Your Life
In addition to being able to move your account online, Geddes Federal checking accounts offer the convenience you need for your day to day.
Geddes Federal checking and savings accounts offer:
- Online Banking - View your balance and transfer funds between your accounts.
- Mobile Banking - Depositing checks is as easy as taking a picture with your phone. Plus, the convenience of online banking on your phone or tablet.
- Surcharge-free ATM Network - Withdrawing or depositing cash without a fee is easy with a network of ATMs that includes 55,000+ ATMs locally, nationally and internationally.
Let's talk about how we can help move your checking or savings account to Geddes Federal.
Apply for a Mortgage Online with Geddes Federal
If you're looking to make a house your home, Geddes Federal can help.
With Geddes Federal's First Time Homebuyer Program, we make buying a home more affordable. When you get it at Geddes, we pay for your mortgage tax and attorney fees due at closing (up to $1,600 for qualifying borrowers, terms and conditions may apply).
With the GeddeStart program, qualifying Onondaga County residents only need a 3% down payment for a mortgage loan up to $150,000. The GeddeStart program is specifically for low to moderate income customers or people purchasing a residential home in a low to moderate income area.
Get additional information and explore your options for mortgage loans below.
Ready to Take the First Step?
Apply Online & Make Mortgage Refinancing Easy
There's a lot of reasons mortgage refinancing may be right for you. Whether your finances have changed since you started making mortgage payments, you're looking to take advantage of favorable mortgage rates, or any other reason, your neighbors at Geddes Federal are here to help.
Making mortgage payments more manageable starts here. Geddes Federal makes it convenient to apply for mortgage refinancing on your time with a simple, secure online application. You can also stop and save your progress at any point during the application.
Apply Online for Mortgage Refinancing
Home Equity Financing Online Application
Get more from the value of your home with a home equity loan or a Home Equity Line of Credit (HELOC).
Whether you need financing for a home improvement project or any of life's big plans or big surprises, a home equity loan can help. With a home equity loan, borrow up to 90% of your home's equity. Plus, you get the predictability and stability that comes with a fixed rate loan.
Whenever your budget needs more breathing room, you can tap into your Home Equity Line of Credit. You can draw from your Home Equity Line of Credit for 5 years, with 15 years for repayment.
Turning dreams into plans into reality starts here.
Modern Convenience and Local Customer Care
Whether you're looking to open an account or apply for a loan, Geddes Federal's secure, convenient online options are just another way that Geddes gets it.
For more than 75 years, we've been here for the greater Syracuse community. We've helped generations of families make a house their home and achieve their financial goals. With Geddes Federal, you also get peace of mind that all your deposits are FDIC insured, limitations may apply.
Whenever you have questions or need assistance, you get local support from team members who know our customers and know how to help.
Whether you're looking to discuss your options, get additional information, get answers to your questions or you're ready to get started...