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Geddes Federal S&L Rates & Review November 2026

Q: 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: 2.12%, 48-Month CD: 2.42%, 60-Month CD: 3.25%, Savings: 0.05%, MMA: 0.80%

Q: What CD terms does Geddes Federal S&L offer?

Geddes Federal S&L CD rates are 1.30% APY for a 12 month CD, 1.76% APY for an 18 month CD, 1.76% APY for a 2 year CD, 2.50% APY for a 3 year CD, 4.00% APY for a 4 year CD and 3.25% APY for a 5 year CD, verified by MonitorBankRates as of November 5, 2026. The institution may offer other terms or specials that are not listed here, so check with Geddes Federal S&L for its full lineup.

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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: November 5, 2026

Geddes Federal S&L's 48-Month CD rates are at 4.00%, 60-Month CD rates are at 3.25%, 36-Month CD rates are at 2.50%, 18-Month CD rates are at 1.76%, 24-Month CD rates are at 1.76%. Geddes Federal S&L's savings rates are at 0.05%. Geddes Federal S&L's money market rates are at 0.80%. Geddes Federal S&L's checking rates are as high as 0.20%. Geddes Federal S&L's Conventional Fixed Rate Mortgage - 10 Year Monthly rates are at 6.375%, Conventional Fixed Rate Mortgage - 7 Year Monthly rates are at 6.375%, Conventional Fixed Rate Mortgage - 15 Year Bi-Weekly Special rates are at 6.50%, Conventional Fixed Rate Mortgage - 15 Year Monthly Special rates are at 6.50%, Conventional Fixed Rate Mortgage - 12 Year Monthly rates are at 6.50%. Geddes Federal S&L's top CD rate of 4.60% APY on a 13 month CD is 52% higher than the MonitorBankRates national average of 3.02% APY for that term, and it has an A+ health rating. 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 11/05/2026.

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 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

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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
Min Balance $500 Details Maximum $1,000,000.00 New Money per tax ID number Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 4.60% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.55%
7-Month CD-Special	4.17%	4.25%	7 months
Min Balance $500 Details Maximum $1,000,000.00 New Money per tax ID number Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 4.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.55%
48-Month CD	3.93%	4.00%	48 months
Min Balance $500 Details Maximum $1,000,000.00 New Money per tax ID number Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 4.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.55%
27-Month CD-Special	3.73%	3.80%	27 months
Min Balance $500 Details Maximum $1,000,000.00 New Money per tax ID number Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 3.80% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.55%
IRA 60-Month CD	3.50%	3.56%	60 Month
Min Balance $500 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 3.56% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.55%
60-Month CD	3.20%	3.25%	60 months
Min Balance $500 Details Maximum $1,000,000.00 New Money per tax ID number Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 3.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.55%
IRA 18-Month CD	2.75%	2.78%	18 Month
Min Balance $500 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 2.78% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.55%
36-Month CD	2.47%	2.50%	36 months
Min Balance $500 Details Maximum $1,000,000.00 New Money per tax ID number Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 2.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.55%
IRA 48-Month CD	2.40%	2.42%	48 Month
Min Balance $500 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 2.42% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.55%
IRA 36-Month CD	2.10%	2.12%	36 Month
Min Balance $500 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 2.12% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.55%
IRA 24-Month CD	2.00%	2.02%	24 Month
Min Balance $500 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 2.02% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.55%
IRA 30-Month CD	2.00%	2.02%	30 Month
Min Balance $500 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 2.02% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.55%
IRA 12-Month CD	1.80%	1.81%	12 Month
Min Balance $500 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.81% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.55%
18-Month CD	1.75%	1.76%	18 months
Min Balance $500 Details Maximum $1,000,000.00 New Money per tax ID number Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 1.76% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.55%
24-Month CD	1.75%	1.76%	24 months
Min Balance $500 Details Maximum $1,000,000.00 New Money per tax ID number Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 1.76% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.55%
12-Month CD	1.30%	1.30%	12 months
Min Balance $500 Details Maximum $1,000,000.00 New Money per tax ID number Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 1.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.55%
6-Month CD	1.30%	1.30%	6 months
Min Balance $500 Details Maximum $1,000,000.00 New Money per tax ID number Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 1.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.55%
9-Month CD	1.30%	1.30%	9 months
Min Balance $500 Details Maximum $1,000,000.00 New Money per tax ID number Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 1.30% APY · checked 6 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%
Min Deposit $25 Min Balance $25 Details Savings account minimum balance to open account, $25.00; all savings accounts require a minimum balance of $25.00 to earn interest; Notice: deposit accounts are only opened for consumers residing or businesses located within 150 miles of Syracuse, New York location Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.55%
Passbook Savings	0.05%	0.05%
Min Deposit $25 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.05% APY · checked 13 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.55%
Statement Savings	0.05%	0.05%
Min Deposit $25 Min Balance $25 Details Savings account minimum balance to open account, $25.00; all savings accounts require a minimum balance of $25.00 to earn interest; Notice: deposit accounts are only opened for consumers residing or businesses located within 150 miles of Syracuse, New York location Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.05% APY · checked 5 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 Deposit $1,000 Min Balance $250,000 Details Balance: $250,000.00 or More; Money Markets require an initial deposit of $1,000.00 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.80% APY · checked 13 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.55%
Money Market	0.70%	0.70%
Min Deposit $1,000 Min Balance $250,000 Details Balance: $250,000.00 or more Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.70% APY · checked 13 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.55%
Premier Money Market Account	0.70%	0.70%
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99; Money Markets require an initial deposit of $1,000.00 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.70% APY · checked 13 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.55%
Money Market	0.60%	0.60%
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.60% APY · checked 13 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.55%
Premier Money Market Account	0.55%	0.55%
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99; Money Markets require an initial deposit of $1,000.00 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.55% APY · checked 13 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.55%
Money Market	0.45%	0.45%
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.45% APY · checked 13 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.55%
Money Market	0.30%	0.30%
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000 - $49,999.99 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.30% APY · checked 13 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.55%
Premier Money Market Account	0.30%	0.30%
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00 - $49,999.99; Money Markets require an initial deposit of $1,000.00 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.30% APY · checked 13 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.55%
Premier Money Market Account	0.05%	0.05%
Min Deposit $1,000 Min Balance $25 Details Balance: $25.00 - $999.00; Money Markets require an initial deposit of $1,000.00 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.05% APY · checked 13 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; Requires minimum daily balance of $250.00 to avoid $5.00 maintenance fee; Accounts opened only for consumers or businesses within 150 miles of Syracuse, New York location Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.20% APY · checked 13 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; Requires minimum daily balance of $250.00 to avoid $5.00 maintenance fee; Accounts opened only for consumers or businesses within 150 miles of Syracuse, New York location Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.10% APY · checked 13 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.55%
Now Checking	0.05%	0.05%
Min Balance $250 Details Balance: $250.00; Requires minimum daily balance of $250.00 to avoid $5.00 monthly fee Last Updated 11/05/2026 Rate History No change since Sep 24, 2026 · 0.05% APY · checked 10 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; Requires minimum daily balance of $250.00 to avoid $5.00 maintenance fee; Accounts opened only for consumers or businesses within 150 miles of Syracuse, New York location Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.05% APY · checked 13 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
Conventional Fixed Rate Mortgage - 15 Year Bi-Weekly Special	6.50%	-	6.62%	15 Year
Details Payment: Bi-Weekly; Special rate; Rates effective November 04, 2026 Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 6.62% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.55%
Conventional 30 Year ARM - 7-1 ARM Special	6.25%	-	6.684%	30 years
Details Adjustable rate mortgage; 7-1 ARM Special Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 6.68% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.55%
Conventional 30 Year ARM - 5-1 ARM Special	6.125%	-	6.723%	30 years
Details Adjustable rate mortgage; 5-1 ARM Special Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 6.72% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.55%
Conventional 30 Year ARM - 7-1 ARM	6.50%	-	6.812%	30 years
Details Adjustable rate mortgage; 7-1 ARM Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 6.81% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.55%
Conventional 30 Year ARM - 5-1 ARM	6.375%	-	6.821%	30 years
Details Adjustable rate mortgage; 5-1 ARM Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 6.82% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.55%
Conventional 30 Year ARM - 10-1 ARM	6.625%	-	6.824%	30 years
Details Adjustable rate mortgage; 10-1 ARM Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 6.82% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.55%
Conventional Fixed Rate Mortgage - 20 Year Bi-Weekly	6.75%	-	6.844%	20 Year
Details Payment: Bi-Weekly; Rates effective November 04, 2026 Last Updated 11/05/2026 Rate History 5 changes since Sep 15, 2026 · 6.22% → 6.84% ▲ 0.63 pts · high 7.10% / low 6.22% Nov 5, 20266.84%▼ from 7.10% Oct 7, 20267.10%▲ from 6.84% Oct 1, 20266.84%▲ from 6.59% Sep 27, 20266.59%▲ from 6.47% 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
Details Payment: Bi-Weekly; Rates effective November 04, 2026 Last Updated 11/05/2026 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 - 12-1 ARM	6.75%	-	6.889%	30 years
Details Adjustable rate mortgage; 12-1 ARM Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 6.89% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.55%
Conventional Fixed Rate Mortgage - 25 Year Bi-Weekly	7.00%	-	7.08%	25 Year
Details Payment: Bi-Weekly; Rates effective November 04, 2026 Last Updated 11/05/2026 Rate History 5 changes since Sep 15, 2026 · 6.58% → 7.08% ▲ 0.50 pts · high 7.33% / low 6.58% Nov 5, 20267.08%▼ from 7.33% Oct 7, 20267.33%▲ from 7.21% Oct 1, 20267.21%▲ from 6.96% Sep 27, 20266.96%▲ from 6.83% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.55%
Conventional Fixed Rate Mortgage - 30 Year Bi-Weekly	7.25%	-	7.322%	30 Year
Details Payment: Bi-Weekly; Rates effective November 04, 2026 Last Updated 11/05/2026 Rate History 5 changes since Sep 15, 2026 · 6.82% → 7.32% ▲ 0.50 pts · high 7.60% / low 6.82% Nov 5, 20267.32%▼ from 7.60% Oct 7, 20267.60%▲ from 7.45% Oct 1, 20267.45%▲ from 7.20% Sep 27, 20267.20%▲ from 7.07% 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 Year Monthly	-	-	6.125%	5 Year
Details Lien Position: 1st Lien; Number of Payments: 60 Last Updated 11/05/2026 Rate History 1 change since Oct 20, 2026 · 5.88% → 6.13% ▲ 0.25 pts · high 6.13% / low 5.88% Oct 21, 20266.13%▲ from 5.88% Oct 20, 20265.88%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.55%
Home Equity Loan - 12 Year Monthly Special	-	-	6.25%	12 Year
Details Lien Position: 1st or 2nd Lien; Number of Payments: 144 Last Updated 11/05/2026 Rate History No change since Oct 21, 2026 · 6.25% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.55%
Home Equity Loan - 7 Year Monthly	-	-	6.25%	7 Year
Details Lien Position: 1st Lien; Number of Payments: 84 Last Updated 11/05/2026 Rate History 1 change since Oct 20, 2026 · 6.13% → 6.25% ▲ 0.13 pts · high 6.25% / low 6.13% Oct 21, 20266.25%▲ from 6.13% Oct 20, 20266.13%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.55%
Home Equity Loan - 10 Year Monthly	-	-	6.375%	10 Year
Details Lien Position: 1st Lien; Number of Payments: 120 Last Updated 11/05/2026 Rate History 1 change since Oct 20, 2026 · 6.25% → 6.38% ▲ 0.13 pts · high 6.38% / low 6.25% Oct 21, 20266.38%▲ from 6.25% Oct 20, 20266.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.55%
Home Equity Loan - 5 Year Monthly	-	-	6.375%	5 Year
Details Lien Position: 2nd Lien; Number of Payments: 60 Last Updated 11/05/2026 Rate History 1 change since Oct 20, 2026 · 6.25% → 6.38% ▲ 0.13 pts · high 6.38% / low 6.25% Oct 21, 20266.38%▲ from 6.25% Oct 20, 20266.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.55%
Standard Adjustable Rate HELOC	-	-	6.50%
Details Rate: Prime - .50% (Rates can increase up to 5% over the initial rate, or decrease up to 2% from the initial rate.); Rate Type: Variable; For well qualified borrowers; Maximum CLTV 80%; Minimum credit score 720; Minimum loan amount $20,000.00; maximum loan amount $500,000.00 Last Updated 11/05/2026 Rate History 2 changes since Sep 15, 2026 · 6.50% → 6.50% ▼ 0.00 pts · high 6.50% / low 6.25% Oct 21, 20266.50%▲ from 6.25% Oct 20, 20266.25%▼ from 6.50% Sep 15, 20266.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.55%
Home Equity Loan - 12 Year Monthly	-	-	6.625%	12 Year
Details Lien Position: 1st Lien; Number of Payments: 144 Last Updated 11/05/2026 Rate History 1 change since Oct 20, 2026 · 6.38% → 6.63% ▲ 0.25 pts · high 6.63% / low 6.38% Oct 21, 20266.63%▲ from 6.38% Oct 20, 20266.38%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.55%
Home Equity Loan - 7 Year Monthly	-	-	6.75%	7 Year
Details Lien Position: 2nd Lien; Number of Payments: 84 Last Updated 11/05/2026 Rate History 1 change since Oct 20, 2026 · 6.50% → 6.75% ▲ 0.25 pts · high 6.75% / low 6.50% Oct 21, 20266.75%▲ from 6.50% Oct 20, 20266.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.55%
Standard Adjustable Rate HELOC	-	-	6.75%
Details Rate: Prime - .25% (Rates can increase up to 5% over the initial rate, or decrease up to 2% from the initial rate.); Rate Type: Variable; Maximum CLTV 80% for shown rates; CLTV 81-90% carries an add-on; Minimum loan amount $20,000.00; maximum loan amount $500,000.00 Last Updated 11/05/2026 Rate History 1 change since Sep 15, 2026 · 6.50% → 6.75% ▲ 0.25 pts · high 6.75% / low 6.50% Oct 21, 20266.75%▲ from 6.50% Sep 15, 20266.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.55%
Home Equity Loan - 10 Year Monthly	-	-	7.00%	10 Year
Details Lien Position: 2nd Lien; Number of Payments: 120 Last Updated 11/05/2026 Rate History 1 change since Oct 20, 2026 · 6.88% → 7.00% ▲ 0.13 pts · high 7.00% / low 6.88% Oct 21, 20267.00%▲ from 6.88% Oct 20, 20266.88%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.55%
Home Equity Loan - 15 Year Monthly	-	-	7.00%	15 Year
Details Lien Position: 1st Lien; Number of Payments: 180 Last Updated 11/05/2026 Rate History 1 change since Oct 20, 2026 · 6.50% → 7.00% ▲ 0.50 pts · high 7.00% / low 6.50% Oct 21, 20267.00%▲ from 6.50% Oct 20, 20266.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.55%
Home Equity Loan - 12 Year Monthly	-	-	7.25%	12 Year
Details Lien Position: 2nd Lien; Number of Payments: 144 Last Updated 11/05/2026 Rate History 1 change since Oct 20, 2026 · 7.13% → 7.25% ▲ 0.13 pts · high 7.25% / low 7.13% Oct 21, 20267.25%▲ from 7.13% Oct 20, 20267.13%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.55%
Home Equity Loan - 15 Year Monthly	-	-	7.375%	15 Year
Details Lien Position: 2nd Lien; Number of Payments: 180 Last Updated 11/05/2026 Rate History 1 change since Oct 20, 2026 · 7.25% → 7.38% ▲ 0.13 pts · high 7.38% / low 7.25% Oct 21, 20267.38%▲ from 7.25% Oct 20, 20267.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.55%
Fixed Rate HELOC	7.75%	-	7.75%
Details Rate Type: Fixed; Minimum loan amount $20,000.00; maximum loan amount $500,000.00 Last Updated 11/05/2026 Rate History No change since Sep 15, 2026 · 7.75% APR · checked 15 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
Details Payment: Monthly; Rates effective November 04, 2026 Last Updated 11/05/2026 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
Details Payment: Monthly; Rates effective November 04, 2026 Last Updated 11/05/2026 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
Details Payment: Monthly; Rates effective November 04, 2026 Last Updated 11/05/2026 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 - 15 Year Monthly Special	6.50%	-	6.622%	15 Year
Details Payment: Monthly; Special rate; Rates effective November 04, 2026 Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 6.62% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.55%
Conventional Fixed Rate Mortgage - 20 Year Monthly	6.875%	-	6.974%	20 Year
Details Payment: Monthly; Rates effective November 04, 2026 Last Updated 11/05/2026 Rate History 5 changes since Sep 15, 2026 · 6.35% → 6.97% ▲ 0.63 pts · high 7.23% / low 6.35% Nov 5, 20266.97%▼ from 7.23% Oct 7, 20267.23%▲ from 6.97% Oct 1, 20266.97%▲ from 6.72% Sep 27, 20266.72%▲ from 6.60% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.55%
Conventional Fixed Rate Mortgage - 25 Year Monthly	7.125%	-	7.211%	25 Year
Details Payment: Monthly; Rates effective November 04, 2026 Last Updated 11/05/2026 Rate History 5 changes since Sep 15, 2026 · 6.71% → 7.21% ▲ 0.50 pts · high 7.46% / low 6.71% Nov 5, 20267.21%▼ from 7.46% Oct 7, 20267.46%▲ from 7.34% Oct 1, 20267.34%▲ from 7.09% Sep 27, 20267.09%▲ from 6.96% 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
Details Payment: Monthly; Rates effective November 04, 2026 Last Updated 11/05/2026 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.
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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

Bank Name Geddes Federal S&L

Website https://www.geddesfederal.com

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

FDIC Certificate # 30397

Regulator OCC

Established January 1, 1948

FDIC Insurance Date August 9, 1989

Domestic Offices 1

Total Branches 1

FDIC Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

2.55%

National Average Texas Ratio

5.85%

Return on Assets (ROA)

0.3168%

Return on Equity (ROE)

2.1300%

Non-Performing Loans Ratio (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

Source: FDIC — Last Updated June 30, 2026

2026 MBR Health & Safety Badge

Geddes Federal S&L earned the Verified Healthy badge

Display this badge on your website to show visitors your 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, and this profile page always shows the latest results, so the code never needs to change.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

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

Customer Reviews

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Frequently Asked Questions About Geddes Federal S&L

Does Geddes Federal S&L offer CDs?

Yes. Geddes Federal S&L current CD rates include its 48-Month CD at 4.00% APY, its 60-Month CD at 3.25% APY and its 36-Month CD at 2.50% APY, verified by MonitorBankRates as of November 5, 2026.

Are CDs from Geddes Federal S&L FDIC insured?

Yes. Geddes Federal S&L is insured by the Federal Deposit Insurance Corporation (FDIC), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Geddes Federal S&L?

The highest Geddes Federal S&L CD rate is its 13-Month CD-Special at 4.60% APY, verified by MonitorBankRates as of November 5, 2026.

What CD terms does Geddes Federal S&L offer?

Geddes Federal S&L CD rates are 1.30% APY for a 12 month CD, 1.76% APY for an 18 month CD, 1.76% APY for a 2 year CD, 2.50% APY for a 3 year CD, 4.00% APY for a 4 year CD and 3.25% APY for a 5 year CD, verified by MonitorBankRates as of November 5, 2026. The institution may offer other terms or specials that are not listed here, so check with Geddes Federal S&L for its full lineup.

What is the highest savings rate at Geddes Federal S&L?

The highest Geddes Federal S&L savings rate is its Passbook Savings at 0.05% APY, verified by MonitorBankRates as of November 5, 2026.

What is the highest money market rate at Geddes Federal S&L?

The highest Geddes Federal S&L money market rate is its Premier Money Market Account at 0.80% APY, verified by MonitorBankRates as of November 5, 2026.

What is the highest checking rate at Geddes Federal S&L?

The highest Geddes Federal S&L checking rate is its Super NOW Checking at 0.20% APY, verified by MonitorBankRates as of November 5, 2026.

What is the lowest 30 year fixed mortgage rate at Geddes Federal S&L?

The lowest Geddes Federal S&L 30 year fixed mortgage rate is its Conventional Fixed Rate Mortgage - 30 Year Bi-Weekly at 7.25%, verified by MonitorBankRates as of November 5, 2026. Geddes Federal S&L mortgage rates are 6.375% for a 30 year mortgage, 7.00% for a 25 year mortgage, 6.75% for a 20 year mortgage, 6.75% for a 15 year mortgage, 6.50% for a 12 year mortgage, 6.375% for a 10 year mortgage and 6.375% for a 7 year mortgage.

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.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Geddes Federal S&L rates compare?

Geddes Federal S&L's top CD rate of 4.60% APY on a 13 month CD is 52% higher than the MonitorBankRates national average of 3.02% APY for that term, and it has an A+ health rating. Geddes Federal S&L's top rates are its 13-Months 13-Month CD-Special at 4.60% APY, its Passbook Savings at 0.05% APY, its Premier Money Market Account at 0.80% APY, its Super NOW Checking at 0.20% APY and its Conventional 30 Year ARM - 5-1 ARM Special at 6.125%, verified by MonitorBankRates on November 5, 2026.

Current Geddes Federal S&L Rates

12-Month CD1.30%
18-Month CD1.76%
24-Month CD1.76%
36-Month CD2.12%
48-Month CD2.42%
60-Month CD3.25%
Savings0.05%
MMA0.80%

Retrieved from our database of financial products. Rates subject to change.

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Geddes Federal S&L Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Geddes Federal S&L Texas Ratio

Geddes Federal S&L Health Trend

Geddes Federal S&L CD Rates

Geddes Federal S&L Savings Rates

Geddes Federal S&L Money Market Rates

Geddes Federal S&L Checking Rates

Geddes Federal S&L Mortgage Rates

Geddes Federal S&L Home Equity & HELOC

Geddes Federal S&L Other Rates

Financial Health History

Methodology & Data Sources

Bank Profile & Overview

Financials

Geddes Federal S&L earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Geddes Federal S&L

Does Geddes Federal S&L offer CDs?

Are CDs from Geddes Federal S&L FDIC insured?

What is the highest CD rate at Geddes Federal S&L?

What CD terms does Geddes Federal S&L offer?

What is the highest savings rate at Geddes Federal S&L?

What is the highest money market rate at Geddes Federal S&L?

What is the highest checking rate at Geddes Federal S&L?

What is the lowest 30 year fixed mortgage rate at Geddes Federal S&L?

How many branches does Geddes Federal S&L operate?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

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

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Geddes Federal S&L rates compare?

Current Geddes Federal S&L Rates

Compare to Other Banks