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

Savings & Deposit Rates

Rates effective January  16, 2017.
APY = Annual Percentage Yield

Estimate Customer Insurance Coverage with the FDIC's
Electronic Deposit Insurance Estimator (EDIE)

Looking to open one of the below accounts? Contact us.

Savings Accounts

Savings Product APY Rate
Passbook Savings 0.100% 0.100%
Statement Savings 0.100% 0.100%
Money Market ($1,000 - $49,999) 0.150% 0.150%
Money Market ($50,000 or more) 0.700% 0.700%
Premier Money Market ($1,000 - $49,999) 0.150% 0.150%
Premier Money Market ($50,00 or more) 0.700% 0.700%

* Savings account minimum balance to open account, $25.00.

* All Savings accounts require a minimum balance of $25.00 to earn interest.

*  Money Markets require an initial deposit of $1,000.00.

Checking Accounts

Checking Product Balance APY Rate
New Wave Checking (Basic Banking) $25.00    
Now Checking $250.00 * 0.150% 0.150%
Super Now Checking $2,500.00 to $49,999.99 * 0.250% 0.250%
Super Now Checking ($50,000 or more) $50,000.00* or more 0.350% 0.350%

* Now Checking Account requires a minimum daily balance of $250.00 to avoid a $5.00 monthly fee.
* Super Now Checking Account requires a minimum daily balance of $2,500.00 to avoid a $5.00 maintenance fee.

Certificate Rates

Term APY Rate
4 Months 0.200% 0.200%
6 Months 0.300% 0.300%
9 Months 0.450% 0.450%
12 Months 0.500% 0.500%
13 Months 0.550% 0.550%
18 Months 0.550% 0.550%
20 Months 0.600% 0.600%
24 Months 0.600% 0.600%
25 Month 1.00% 1.00%
26 Months 0.800% 0.800%
30 Months 0.800% 0.800%
36 Months 0.900% 0.900%
42 Month 1.500% 1.490%
48 Months 1.600% 1.590%
60 Months 2.000% 1.990%

*Interest rates are subject to change at any time.
* $500.00 minimum balance required. 
* Penalty may be imposed for early withdrawal 
* APY = Annual percentage yield, Interest is compounded daily and posted quarterly

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

IRA Rates

Term APY Rate
12 Months 0.750% 0.750%
13 Months 0.800% 0.800%
18 Months 0.800% 0.800%
20 Months 0.850% 0.850%
24 Months 0.850% 0.850%
25 Months 1.050% 1.050%
26 Months 1.050% 1.050%
30 Months 1.050% 1.050%
36 Months 1.150% 1.150%
48 Months 1.600% 1.590%
60 Months 2.000% 1.990%


*Interest rates are subject to change at any time. 
* $500.00 minimum balance required. 
* Penalty may be imposed for early withdrawal 
* Interest is compounded daily and posted quarterly

  • What Our Customers Say –
    "I have both my personal and business accounts with Geddes and recommend Geddes Federal Savings to anyone looking for a great place to bank. I love that Carol smiles remembers my name when I walk in the door. Working with Karen I feel like I have a knowledgeable financial team on my side." -Yvonne …
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Consumer & Fraud Alerts
  • Important Information Regarding Your Account: –
    Geddes Federal Savings and Loan Association does not ask for your personal, financial or account information via telephone, email or pop-up window...
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    Get the latest information on preventing Identity Theft and Fraud Prevention
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