Geddes Federal Savings and Loan Association

TODAY'S FEATURED RATES

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

4.10%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.

Member FDIC

4.35%

Our Rating

4.1 / 5

BrioDirect

High-Yield Savings

See Offer

Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC

Member FDIC

3.80%

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC

Member FDIC

3.60%

Our Rating

4.2 / 5

American Express®

High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

up to $300

Our Rating

4.3 / 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 67^th largest bank in the state of New York. It is also the 1,457^th largest bank in the nation. It was established in 1948 and as of December of 2024, it had grown to 43 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 Q4 2024

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	30397
Year Established	1948
Employees	43
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	-0.01%
Return on Equity - YTD	-0.04%
Annual Interest Income	$26.2MM

Assets and Liabilities
Assets	Q4 2024vs Q4 2023	$652.7MM$649.9MM
Loans	Q4 2024vs Q4 2023	$549.7MM$542.3MM
Deposits	Q4 2024vs Q4 2023	$468.3MM$450.2MM
Equity Capital	Q4 2024vs Q4 2023	$98.7MM$98.8MM
Loan Loss Allowance	Q4 2024vs Q4 2023	$1MM$1.1MM
Unbacked Noncurrent Loans	Q4 2024vs Q4 2023	$512K$884K
Real Estate Owned	Q4 2024vs Q4 2023	$107K$260K

TODAY'S FEATURED RATES

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

4.10%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.

Member FDIC

4.35%

Our Rating

4.1 / 5

BrioDirect

High-Yield Savings

See Offer

Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC

Member FDIC

3.80%

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

3.60%

Our Rating

4.2 / 5

American Express®

High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

up to $300

Our Rating

4.3 / 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
4.30%	$500	$1m	4 Month CD Special
4.30%	$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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