Geddes Federal Savings and Loan Association

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.geddesfederal.com

315-468-6281

2208 West Genesee St
Syracuse, NY 13219

Geddes Federal Savings and Loan Association is headquartered in SYRACUSE and is the 66^th largest bank in the state of New York. It is also the 1,481^st largest bank in the nation. It was established in 1948 and as of March of 2025, it had grown to 42 employees at 1 location. Geddes Federal Savings and Loan Association's money market rates are 82% higher than the national average, and it boasts an A+ health rating.

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Health

A+

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	30397
Year Established	1948
Employees	42
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	0.07%
Return on Equity - YTD	0.43%
Annual Interest Income	$6.6MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$641.2MM$649.3MM
Loans	Q1 2025vs Q1 2024	$555.9MM$536.5MM
Deposits	Q1 2025vs Q1 2024	$470.7MM$458.2MM
Equity Capital	Q1 2025vs Q1 2024	$98.8MM$99MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$1MM$1.1MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$534K$842K
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Savings
Money Market
Checking
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Geddes Federal Savings and Loan Association Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.05%	$25	-	Passbook Savings
0.05%	$25	-	Statement Savings

Geddes Federal Savings and Loan Association Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
0.80%^*	$250k^*	-	Premier Money Market
OTHER TIERS: 0.30% → $1k - $50k \| 0.55% → $50k - $100k \| 0.70% → $100k - $250k
0.70%^*	$250k^*	-	Money Market Savings
OTHER TIERS: 0.30% → $1k - $50k \| 0.45% → $50k - $100k \| 0.60% → $100k - $250k

Geddes Federal Savings and Loan Association Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.20%^*	$50k^*	-	Super NOW Checking
OTHER TIERS: 0.10% → $1k - $50k
0.05%	$25	-	NOW Checking

Geddes Federal Savings and Loan Association CD Rates

APY	MIN	MAX	ACCOUNT NAME
4.25%	$500	$1m	4 Month CD Special
4.25%	$500	$1m	8 Month CD Special
3.60%	$500	$1m	24 Month CD Special - New Money
2.12%	$500	$1m	60 Month CD
1.91%	$500	$1m	48 Month CD
1.86%	$500	$1m	36 Month CD
1.76%	$500	$1m	18 Month CD
1.30%	$500	$1m	6 Month CD
1.30%	$500	$1m	9 Month CD
1.30%	$500	$1m	12 Month CD

Geddes Federal Savings and Loan Association IRA Rates

APY	MIN	MAX	ACCOUNT NAME
3.56%	$500	-	60 Month IRA
3.56%	$500	-	65 Month IRA
3.56%	$500	-	72 Month IRA
2.78%	$500	-	18 Month IRA
2.42%	$500	-	48 Month IRA
2.12%	$500	-	36 Month IRA
2.02%	$500	-	24 Month IRA
2.02%	$500	-	30 Month IRA
1.81%	$500	-	12 Month IRA

Locations

Geddes Federal Savings and Loan Association Locations
Geddes Federal Savings and Loan Association	2208 W Genesee St	Syracuse, NY 13219
Manlius Branch	240 West Seneca Street	Manlius, NY 13104

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