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

Savings & Deposit Rates

Rates effective December 3, 2018.
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 - $49,999.00) 0.400% 0.400%
Money Market ($50,000.00 or more) 1.000% 1.000%
Premier Money Market ($1,000 - $49,999.00) 0.400% 0.400%
Premier Money Market ($50,000.00 or more) 1.250% 1.250%

* 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 $250.00 to avoid a $5.00 maintenance fee.

Certificate Rates

Term APY Rate
4 Month 0.200% 0.200%
6 Month 0.400% 0.400%
9 Month 0.450% 0.450%
12 Month 0.750% 0.750%
13 Month 0.800% 0.800%
14 Month Special 2.520% 2.500%
18 Month 0.600% 0.600%
20 Month 0.850% 0.850%
24 Month 0.850% 0.850%
25 Month 0.850% 0.850%
26 Month 1.000% 1.000%
30 Month 1.000% 1.000%
36 Month 1.200% 1.200%
40 Month 1.600% 1.590%
44 Month 2.520% 2.500%
48 Month 1.600% 1.590%
60 Month 2.520% 2.500%
65 Month * 3.250% 3.200%
72 Month 3.030% 3.000%

* One time APY Flex option available during term.  Customer authorization required.

*If 65 Month term is no longer available, the 60 month rate would be honored.

* Interest rates and promotions 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 Month 1.000% 1.000%
13 Month 1.050% 1.050%
18 Month 0.850% 0.850%
20 Month 1.100% 1.100%
24 Month 1.100% 1.100%
25 Month 1.100% 1.100%
26 Month 1.300% 1.300%
30 Month 1.300% 1.300%
36 Month 1.400% 1.400%
40 Month 1.850% 1.840%
44 Month Special * 2.500% 2.480%
48 Month 1.850% 1.850%
60 Month 2.780% 2.750%
     

*One time APY Flex option available during CD term.  Inquire for more details.

*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

* Promotion is subject to change at any time.

  • Get It @ Geddes on Bridge Street –
    Localsyr.com's Bridge Street sat down with Geddes Federal Mortgage Loan Specialist Chris Lauricella and SAMMY Hall-of-Famer Todd Hobin, who wrote the 'Get it @ Geddes,' jingle.…
    read more…
  • Geddes Federal Sponsors Tipp Hill Shamrock Run 2018 –
    Geddes Federal Savings and Loan Association is a sponsor for the 2018 Tipp Hill Shamrock Run. Get details here.…
    read more…
More News
Consumer & Fraud Alerts
  • Important Message about the Equifax Breach –
    Click here to learn some simple things you can do immediately to protect yourself from fraudulent activity.
    read more…
  • Protect your Privacy –
    Read our privacy policy, and get the latest information on preventing Identity Theft and Fraud Prevention.
    read more…
More Consumer & Fraud Alerts...