What are the current interest rates at Geddes Federal S&L?

Current rates for Geddes Federal S&L include: 12-Month CD: 1.30%, 18-Month CD: 1.76%, 24-Month CD: 1.76%, 36-Month CD: 2.50%, 48-Month CD: 4.00%, 60-Month CD: 3.25%, Savings: 0.05%, MMA: 0.80%

MonitorBankRates

☰

Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of savers say their bank still has not raised their rate since the Fed funds rate increase. See the full results

Home›
Banks›
Geddes Federal S&L

iAdvertiser Disclosure

Geddes Federal S&L Rates & Review October 2026

Q: How many branches does Geddes Federal S&L operate?

Geddes Federal S&L currently maintains approximately 1 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Geddes Federal S&L does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Geddes Federal S&L provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 11, 2026

Geddes Federal S&L's top rates as of October 11, 2026 are 4.60% APY on its 13-Months 13-Month CD-Special, 0.05% APY on savings, 0.80% APY on money market accounts, 0.20% APY on checking, and 6.125% on its Conventional 30 Year ARM Loans - 5-1 ARM Special mortgage, according to rates verified by MonitorBankRates. Other Geddes Federal S&L CD rates include 7-Months 7-Month CD-Special at 4.25%, 8-Month Special Certificate of Deposit at 4.25%, and 48-Months 48-Month CD at 4.00%. Other Geddes Federal S&L mortgage rates include Conventional Fixed Rate Mortgage - 10 Year Monthly at 6.375%, Conventional Fixed Rate Mortgage - 7 Year Monthly at 6.375%, and Conventional Fixed Rate Mortgage - 12 Year Monthly at 6.50%. MonitorBankRates evaluates the financial stability of Geddes Federal S&L with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.55%. Rates last updated and verified on 10/11/2026.

Geddes Federal S&L money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Geddes Federal S&L? Share your experience about Geddes Federal S&L by leaving a review below, or read customer reviews before you decide to use Geddes Federal S&L.

Verified Healthy Q2 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.55%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Geddes Federal S&L

2208 W Genesee St
Syracuse, NY 13219

https://www.geddesfederal.com

Customer Reviews

Be the first to review

Write a Review

Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

Geddes Federal S&L CD Rates

Product	Rate	APY	Term
13 Month CD-Special	4.50%	4.60%	13 months
No additional details. Last Updated 10/11/2026 Rate History No change since Oct 3, 2026 · 4.60% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.55%
7 Month CD-Special	4.17%	4.25%	7 months
No additional details. Last Updated 10/11/2026 Rate History No change since Sep 19, 2026 · 4.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.55%
8 Month Special Certificate of Deposit	4.17%	4.25%	8 Month
No additional details. Last Updated 10/11/2026 Rate History No change since Oct 11, 2026 · 4.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.55%
48 Month CD	3.93%	4.00%	48 months
No additional details. Last Updated 10/11/2026 Rate History 1 change since Sep 19, 2026 · 1.91% → 4.00% ▲ 2.09 pts · high 4.00% / low 1.91% Oct 3, 20264.00%▲ from 1.91% Sep 19, 20261.91%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.55%
27 Month CD-Special	3.73%	3.80%	27 months
No additional details. Last Updated 10/11/2026 Rate History No change since Sep 19, 2026 · 3.80% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.55%
60 Month CD	3.20%	3.25%	60 months
No additional details. Last Updated 10/11/2026 Rate History 1 change since Sep 19, 2026 · 2.12% → 3.25% ▲ 1.13 pts · high 3.25% / low 2.12% Oct 3, 20263.25%▲ from 2.12% Sep 19, 20262.12%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.55%
36 Month CD	2.47%	2.50%	36 months
No additional details. Last Updated 10/11/2026 Rate History 1 change since Sep 19, 2026 · 1.86% → 2.50% ▲ 0.64 pts · high 2.50% / low 1.86% Oct 3, 20262.50%▲ from 1.86% Sep 19, 20261.86%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.55%
18 Month CD	1.75%	1.76%	18 months
No additional details. Last Updated 10/11/2026 Rate History No change since Sep 19, 2026 · 1.76% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.55%
24 Month CD	1.75%	1.76%	24 months
No additional details. Last Updated 10/11/2026 Rate History No change since Sep 19, 2026 · 1.76% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.55%
12 Month CD	1.30%	1.30%	12 months
No additional details. Last Updated 10/11/2026 Rate History No change since Sep 19, 2026 · 1.30% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.55%
6 Month CD	1.30%	1.30%	6 months
No additional details. Last Updated 10/11/2026 Rate History No change since Sep 19, 2026 · 1.30% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.55%
9 Month CD	1.30%	1.30%	9 months
No additional details. Last Updated 10/11/2026 Rate History No change since Sep 19, 2026 · 1.30% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.55%

Geddes Federal S&L Savings Rates

Product	Rate	APY
Holiday/Vacation Club Account	0.05%	0.05%
No additional details. Last Updated 10/11/2026 Rate History No change since Sep 19, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.55%
Passbook Savings	0.05%	0.05%
No additional details. Last Updated 10/11/2026 Rate History No change since Sep 19, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.55%
Statement Savings	0.05%	0.05%
No additional details. Last Updated 10/11/2026 Rate History No change since Sep 19, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.55%

Geddes Federal S&L Money Market Rates

Product	Rate	APY
Premier Money Market Account	0.80%	0.80%
Min Balance $250,000 Details Balance: $250,000.00 or More Last Updated 10/11/2026 Rate History No change since Sep 19, 2026 · 0.80% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.55%
Money Market	0.70%	0.70%
Min Balance $250,000 Details Balance: $250,000.00 or more Last Updated 10/11/2026 Rate History No change since Sep 19, 2026 · 0.70% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.55%
Premier Money Market Account	0.70%	0.70%
Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99 Last Updated 10/11/2026 Rate History No change since Sep 19, 2026 · 0.70% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.55%
Money Market	0.60%	0.60%
Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99 Last Updated 10/11/2026 Rate History No change since Sep 19, 2026 · 0.60% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.55%
Premier Money Market Account	0.55%	0.55%
Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 10/11/2026 Rate History No change since Sep 19, 2026 · 0.55% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.55%
Money Market	0.45%	0.45%
Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 10/11/2026 Rate History No change since Sep 19, 2026 · 0.45% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.55%
Money Market	0.30%	0.30%
Min Balance $1,000 Details Balance: $1,000 - $49,999.99 Last Updated 10/11/2026 Rate History No change since Sep 19, 2026 · 0.30% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.55%
Premier Money Market Account	0.30%	0.30%
Min Balance $1,000 Details Balance: $1,000.00 - $49,999.99 Last Updated 10/11/2026 Rate History No change since Sep 19, 2026 · 0.30% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.55%
Premier Money Market Account	0.05%	0.05%
Min Balance $25 Details Balance: $25.00 - $999.00 Last Updated 10/11/2026 Rate History No change since Sep 19, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.55%

Geddes Federal S&L Checking Rates

Product	Rate	APY
Super NOW Checking	0.20%	0.20%
Min Balance $50,000 Details Balance: $50,000.00 or More Last Updated 10/11/2026 Rate History No change since Sep 19, 2026 · 0.20% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.55%
Super NOW Checking	0.10%	0.10%
Min Balance $1,000 Details Balance: $1,000.00 - $49,999.99 Last Updated 10/11/2026 Rate History No change since Sep 19, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.55%
Now Checking	0.05%	0.05%
Min Deposit $250 Last Updated 10/11/2026 Rate History No change since Sep 19, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.55%
Super NOW Checking	0.05%	0.05%
Min Balance $25 Details Balance: $25.00 - $999.99 Last Updated 10/11/2026 Rate History No change since Sep 19, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.55%

Geddes Federal S&L Mortgage Rates

Product	Rate	Points	APR	Term
7-1 ARM Special	-	-	6.684%
Details Mortgage Rates Last Updated 10/11/2026 Rate History 1 change since Sep 27, 2026 · 6.49% → 6.68% ▲ 0.19 pts · high 6.68% / low 6.49% Oct 3, 20266.68%▲ from 6.49% Sep 27, 20266.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.55%
Conventional 30 Year ARM Loans - 7-1 ARM Special	6.25%	-	6.684%
No additional details. Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 6.68% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.55%
Conventional 30 Year ARM Loans - 5-1 ARM Special	6.125%	-	6.723%
No additional details. Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 6.72% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.55%
Conventional 30 Year ARM Loans - 7-1 ARM	6.50%	-	6.812%
No additional details. Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 6.81% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.55%
Conventional 30 Year ARM Loans - 5-1 ARM	6.375%	-	6.821%
No additional details. Last Updated 10/11/2026 Rate History 1 change since Sep 15, 2026 · 6.20% → 6.82% ▲ 0.62 pts · high 6.82% / low 6.20% Oct 7, 20266.82%▲ from 6.20% Sep 15, 20266.20%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.55%
Conventional 30 Year ARM Loans - 10-1 ARM	6.625%	-	6.824%
No additional details. Last Updated 10/11/2026 Rate History 1 change since Sep 15, 2026 · 6.20% → 6.82% ▲ 0.62 pts · high 6.82% / low 6.20% Oct 7, 20266.82%▲ from 6.20% Sep 15, 20266.20%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.55%
Conventional Fixed Rate Mortgage - 15 Year Bi-Weekly	6.75%	-	6.871%	15 Year
No additional details. Last Updated 10/11/2026 Rate History 4 changes since Sep 15, 2026 · 5.99% → 6.87% ▲ 0.88 pts · high 6.87% / low 5.99% Oct 7, 20266.87%▲ from 6.62% Oct 1, 20266.62%▲ from 6.37% Sep 27, 20266.37%▲ from 6.24% Sep 19, 20266.24%▲ from 5.99% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.55%
Conventional 30 Year ARM Loans - 12-1 ARM	6.75%	-	6.889%
No additional details. Last Updated 10/11/2026 Rate History 1 change since Sep 15, 2026 · 6.26% → 6.89% ▲ 0.63 pts · high 6.89% / low 6.26% Oct 7, 20266.89%▲ from 6.26% Sep 15, 20266.26%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.55%
Conventional Fixed Rate Mortgage - 20 Year Bi-Weekly	7.00%	-	7.095%	20 Year
No additional details. Last Updated 10/11/2026 Rate History 4 changes since Sep 15, 2026 · 6.22% → 7.10% ▲ 0.88 pts · high 7.10% / low 6.22% Oct 7, 20267.10%▲ from 6.84% Oct 1, 20266.84%▲ from 6.59% Sep 27, 20266.59%▲ from 6.47% Sep 19, 20266.47%▲ from 6.22% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.55%
Conventional Fixed Rate Mortgage - 25 Year Bi-Weekly	7.25%	-	7.331%	25 Year
No additional details. Last Updated 10/11/2026 Rate History 4 changes since Sep 15, 2026 · 6.58% → 7.33% ▲ 0.75 pts · high 7.33% / low 6.58% Oct 7, 20267.33%▲ from 7.21% Oct 1, 20267.21%▲ from 6.96% Sep 27, 20266.96%▲ from 6.83% Sep 19, 20266.83%▲ from 6.58% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.55%
Conventional Fixed Rate Mortgage - 30 Year Bi-Weekly	7.50%	-	7.596%	30 Year
No additional details. Last Updated 10/11/2026 Rate History 4 changes since Sep 15, 2026 · 6.82% → 7.60% ▲ 0.78 pts · high 7.60% / low 6.82% Oct 7, 20267.60%▲ from 7.45% Oct 1, 20267.45%▲ from 7.20% Sep 27, 20267.20%▲ from 7.07% Sep 19, 20267.07%▲ from 6.82% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.55%

Geddes Federal S&L Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loan	-	-	5.875%	5 Year Monthly
Details Lien Position: 1st Lien Last Updated 10/11/2026 Rate History No change since Sep 19, 2026 · 5.88% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.55%
Home Equity Loan	-	-	6.125%	7 Year Monthly
Details Lien Position: 1st Lien Last Updated 10/11/2026 Rate History No change since Sep 19, 2026 · 6.13% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.55%
Home Equity Loan	-	-	6.25%	5 Year Monthly
Details Lien Position: 2nd Lien Last Updated 10/11/2026 Rate History No change since Sep 19, 2026 · 6.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.55%
Home Equity Loan	-	-	6.25%	10 Year Monthly
Details Lien Position: 1st Lien Last Updated 10/11/2026 Rate History No change since Sep 19, 2026 · 6.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.55%
Home Equity Loan	-	-	6.375%	12 Year Monthly
Details Lien Position: 1st Lien Last Updated 10/11/2026 Rate History No change since Sep 19, 2026 · 6.38% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.55%
Home Equity Loan	-	-	6.50%	7 Year Monthly
Details Lien Position: 2nd Lien Last Updated 10/11/2026 Rate History No change since Sep 19, 2026 · 6.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.55%
Home Equity Loan	-	-	6.50%	15 Year Monthly
Details Lien Position: 1st Lien Last Updated 10/11/2026 Rate History No change since Sep 19, 2026 · 6.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.55%
Standard Adjustable Rate HELOC	-	-	6.50%
Details Additional APR listed for this product: 6.75%. Rates can increase up to 5% over the initial rate, or decrease up to 2% from the initial rate. Last Updated 10/11/2026 Rate History No change since Sep 15, 2026 · 6.50% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.55%
Home Equity Loan	-	-	6.875%	10 Year Monthly
Details Lien Position: 2nd Lien Last Updated 10/11/2026 Rate History No change since Sep 19, 2026 · 6.88% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.55%
Home Equity Loan	-	-	7.125%	12 Year Monthly
Details Lien Position: 2nd Lien Last Updated 10/11/2026 Rate History No change since Sep 19, 2026 · 7.13% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.55%
Home Equity Loan	-	-	7.25%	15 Year Monthly
Details Lien Position: 2nd Lien Last Updated 10/11/2026 Rate History No change since Sep 19, 2026 · 7.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.55%
Fixed Rate HELOC	7.75%	-	7.75%
No additional details. Last Updated 10/11/2026 Rate History No change since Sep 15, 2026 · 7.75% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.55%

Geddes Federal S&L Other Rates

Product	Rate	Points	APY/APR	Term
Conventional Fixed Rate Mortgage - 10 Year Monthly	6.375%	-	6.546%	10 Year
Last Updated 10/11/2026 Rate History 4 changes since Sep 15, 2026 · 5.79% → 6.55% ▲ 0.75 pts · high 6.55% / low 5.79% Oct 7, 20266.55%▲ from 6.42% Oct 1, 20266.42%▲ from 6.17% Sep 27, 20266.17%▲ from 6.04% Sep 19, 20266.04%▲ from 5.79% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.55%
Conventional Fixed Rate Mortgage - 12 Year Monthly	6.50%	-	6.647%	12 Year
Last Updated 10/11/2026 Rate History 4 changes since Sep 15, 2026 · 5.89% → 6.65% ▲ 0.75 pts · high 6.65% / low 5.89% Oct 7, 20266.65%▲ from 6.52% Oct 1, 20266.52%▲ from 6.27% Sep 27, 20266.27%▲ from 6.15% Sep 19, 20266.15%▲ from 5.89% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.55%
Conventional Fixed Rate Mortgage - 15 Year Monthly	6.75%	-	6.873%	15 Year
Last Updated 10/11/2026 Rate History 4 changes since Sep 15, 2026 · 6.00% → 6.87% ▲ 0.88 pts · high 6.87% / low 6.00% Oct 7, 20266.87%▲ from 6.62% Oct 1, 20266.62%▲ from 6.37% Sep 27, 20266.37%▲ from 6.25% Sep 19, 20266.25%▲ from 6.00% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.55%
Conventional Fixed Rate Mortgage - 20 Year Monthly	7.125%	-	7.225%	20 Year
Last Updated 10/11/2026 Rate History 4 changes since Sep 15, 2026 · 6.35% → 7.23% ▲ 0.88 pts · high 7.23% / low 6.35% Oct 7, 20267.23%▲ from 6.97% Oct 1, 20266.97%▲ from 6.72% Sep 27, 20266.72%▲ from 6.60% Sep 19, 20266.60%▲ from 6.35% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.55%
Conventional Fixed Rate Mortgage - 25 Year Monthly	7.375%	-	7.462%	25 Year
Last Updated 10/11/2026 Rate History 4 changes since Sep 15, 2026 · 6.71% → 7.46% ▲ 0.75 pts · high 7.46% / low 6.71% Oct 7, 20267.46%▲ from 7.34% Oct 1, 20267.34%▲ from 7.09% Sep 27, 20267.09%▲ from 6.96% Sep 19, 20266.96%▲ from 6.71% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.55%
Conventional Fixed Rate Mortgage - 7 Year Monthly	6.375%	-	6.608%	7 Year
Last Updated 10/11/2026 Rate History 4 changes since Sep 15, 2026 · 5.73% → 6.61% ▲ 0.88 pts · high 6.61% / low 5.73% Oct 7, 20266.61%▲ from 6.36% Oct 1, 20266.36%▲ from 6.11% Sep 27, 20266.11%▲ from 5.98% Sep 19, 20265.98%▲ from 5.73% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.55%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Geddes Federal S&L’s Texas Ratio rose from 1.42% in Q3 2023 to 2.55% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$686M	2.55%	5.0	A+
March 31, 2026	$669M	2.39%	5.0	A+
December 31, 2025	$652M	1.43%	5.0	A+
September 30, 2025	$643M	0.68%	5.0	A+
June 30, 2025	$648M	0.48%	5.0	A+
March 31, 2025	$641M	0.54%	5.0	A+
December 31, 2024	$653M	0.63%	5.0	A+
September 30, 2024	$649M	0.75%	5.0	A+
June 30, 2024	$662M	0.73%	5.0	A+
March 31, 2024	$649M	0.85%	5.0	A+
December 31, 2023	$650M	1.16%	5.0	A+
September 30, 2023	$634M	1.42%	5.0	A+

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Geddes Federal S&L is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Geddes Federal S&L rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Geddes Federal S&L's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Geddes Federal S&L

FDIC Certificate # 30397

Address 2208 W Genesee St, Syracuse, NY 13219 · Onondaga

Website https://www.geddesfederal.com

Established 19480101

FDIC Insurance Date 19890809

Domestic Offices 1

Total Branches 1

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 99/100

5.0

Exceptional Out of 5.0 Stars

2.55%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.3168%

Return on Equity (ROE) 2.1300%

Non-Performing Loans (NPL) 0.37%

Total Assets $685,729,000

Total Deposits $512,024,000

Equity Capital $100,058,000

Net Income $1,060,000

Headquarters Syracuse

Total Branches and Offices 1

Source: FDIC | Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Geddes Federal S&L earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

<a href="https://monitorbankrates.com/banks/geddes-federal-savings-and-loan-association-rates-review-30397">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for Geddes Federal S&L yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Geddes Federal S&L

Frequently Asked Questions About Geddes Federal S&L

How many branches does Geddes Federal S&L operate?

Geddes Federal S&L currently maintains approximately 1 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Geddes Federal S&L does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Geddes Federal S&L provides members with tools to manage their accounts and build a solid financial history.

Does Geddes Federal S&L offer online and mobile banking?

Most modern institutions like Geddes Federal S&L provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.geddesfederal.com.