Geddes Federal Savings and Loan Association: Savings Accounts, CDs, Money Market & Rates

Updated: 8/19/2026

Mission: Banksparency aims to make Geddes Federal Savings and Loan Association's deposit accounts transparent and comparable to the market.

Interest rates reported as APY

Analysis of Geddes Federal Savings and Loan Association

Our verdict

CD Analysis

Geddes Federal Savings and Loan Association offers CDs paying up to 4.00% APY on its 4 months term, across 15 term lengths.

Tracking 21 active CD products, useful for locking in today's rate before further moves at the Fed.

Best CD use: locking in 4.00% APY for a 4 months term and laddering across multiple maturities.

Geddes Federal Savings and Loan Association also offers Premier Money Market, a money market account paying 0.80% APY with a $1,000 minimum deposit.

At 0.80% APY, Geddes Federal Savings and Loan Association pays above the national money market average of 0.63%.

Additional Accounts

Money Market, a money market account at 0.70% APY.
Passbook Savings, a savings account at 0.05% APY.
Statement Savings, a savings account at 0.05% APY.

Ideal User Profile

Best for: simple saving without extra requirements.

Important Considerations

No app ratings available for this bank.

iOS app rating is not available.

Android app rating is not available.

Deposit Accounts Overview

Passbook Savings

Savings

0.05% APY

Min: $25 Branch Access

Rank #301 of 337 tracked.

Statement Savings

Savings

0.05% APY

Min: $25 Branch Access

Rank #302 of 337 tracked.

Premier Money Market

Money Market

0.80% APY

Tiered Range: 0.30% - 0.80%

Min: $1,000 Branch Access

Money Market

0.70% APY

Tiered Range: 0.30% - 0.70%

Min: $1,000 Branch Access

Market Reality Check

This institution offers rates below the top 10 savings and money market accounts we track. Those institutions all pay at least 4.01% APY.

See Top Rates

National Avg: 0.38% (FDIC, 8/1/2026).
Banksparency tracks live rates daily.

Bank Overview

HQ LocationSyracuse, NY
Deposit InsuranceFDIC Insured(Cert: 30397)

Visit Official Website

Featured Offers

Axos ONE - High Yield Savings & Checking

Over 95,000 fee-free ATMs
Get paid up to 2 days early with Direct Deposit
One convenient app for spending & saving

FDIC Insured

Savings4.21%APY

Checking0.51%APY

Go to Axos Bank

FDIC or NCUA insured

View Details

Monthly Maintenance Fee	None
Min. Deposit to Savings Account	0
Min. Balance in Savings Account	0
How to qualify for APY	OPTION ADirect Deposit $1,500+ AND Maintain $1,500+ avg daily checking balance. OR OPTION BDeposit $5,000+ total/mo AND Maintain $5,000+ avg daily checking balance.
Mobile Ratings	iOS:4.7 Android:4.5

The APY is available with the Axos ONE savings and checking bundle. The checking account also earns interest. To qualify, you must either set up a direct deposit of $1,500 and maintain an average daily balance of more than $1,500 in your ONE Checking account, or receive at least $5,000 in total monthly qualifying deposits and maintain an average daily balance of more than $5,000.

EASY TRANSFERS, LOW MINIMUMS

SponsoredVerified Aug 19, 2026

FDIC Insured

Quontic High Yield Savings

Apply in 3 minutes or less
No monthly service fees
Transfer with Zelle, Apple Pay, G-Pay, and more

FDIC Insured

Savings3.20%APY

Go to Quontic Bank

FDIC or NCUA insured

View Details

Monthly Maintenance Fee	None
Min. Deposit to Savings Account	10000
Min. Balance in Savings Account	0
Mobile Ratings	iOS:4.8 Android:4.9

Deposit Accounts: In-Depth View

Savings Accounts Offered by Geddes Federal Savings and Loan Association

Feature	Passbook Savings	Statement Savings
APY	0.05%Verified: 8/19/2026	0.05%Verified: 8/19/2026
APY Trend	N/A	N/A
Min. Deposit	$25	$25
Min. Balance	$25	$25
Monthly Fee	N/A	N/A
Direct Deposit	None	None
Checking Bundle	No	No
In-Branch Access	Yes	Yes
Compounding	N/A	N/A
FDIC Insured	Yes	Yes
Eligibility	United States	United States
Next Steps	-	-

Interactive Tool

Calculate Savings for Geddes Federal Savings and Loan Association

All calculations are based on APY.

Choose savings account

Initial deposit

Recurring deposit

Frequency

Duration

Savings Breakdown

Interest Earned
+$18.60(0.1%)
Total Contributions
$13,000
Initial Deposit
$1,000

Projected Balance

$14,018.60

Effective APY

0.05%

The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.

Geddes Federal Savings and Loan Association Deposit Rates Over Time

No historical data available.

Compare with Geddes Federal Savings and Loan Association

Feature	Current View Geddes Federal Savings and Loan Association	Empty Slot
Product		-
APY	0.05%Verified: 8/19/2026	-
APY Trend	N/A	-
Min. Deposit	$25	N/A
Monthly Fee	N/A	-
Direct Deposit	No	-
Checking Bundle	No	-
In-Branch Access	Yes	-
Eligibility	United States	-
Compounding	N/A	-
FDIC or NCUA Insured	Yes	-
Next Steps	-	-

CD Overview

4.00% Highest APY

Across 21 CD products with terms: 72 months, 12 months, 60 months, 48 months, 36 months, 24 months, 18 months, 9 months, 4 months, 14 months, 65 months, 30 months, 27 months, 63 months, 6 months

CD Products Offered by Geddes Federal Savings and Loan Association

Feature	4 Month CD Special 4 months	6 Month CD 6 months	9 Month CD 9 months	12 Month IRA CD 12 months	12 Month CD 12 months	14 Month CD Special 14 months	18 Month CD 18 months	18 Month IRA CD 18 months	24 Month CD 24 months	24 Month IRA CD 24 months	27 Month CD Special 27 months	30 Month IRA CD 30 months	36 Month CD 36 months	36 Month IRA CD 36 months	48 Month CD 48 months	48 Month IRA CD 48 months	60 Month CD 60 months	60 Month IRA CD 60 months	63 Month CD Special 63 months	65 Month IRA CD 65 months	72 Month IRA CD 72 months
APY	4.00%Verified: 8/19/2026	1.30%Verified: 8/19/2026	1.30%Verified: 8/19/2026	1.81%Verified: 8/19/2026	1.30%Verified: 8/19/2026	4.00%Verified: 8/19/2026	1.76%Verified: 8/19/2026	2.78%Verified: 8/19/2026	1.76%Verified: 8/19/2026	2.02%Verified: 8/19/2026	3.80%Verified: 8/19/2026	2.02%Verified: 8/19/2026	1.86%Verified: 8/19/2026	2.12%Verified: 8/19/2026	1.91%Verified: 8/19/2026	2.42%Verified: 8/19/2026	2.12%Verified: 8/19/2026	3.56%Verified: 8/19/2026	3.25%Verified: 8/19/2026	3.56%Verified: 8/19/2026	3.56%Verified: 8/19/2026
Term	4 months	6 months	9 months	12 months	12 months	14 months	18 months	18 months	24 months	24 months	27 months	30 months	36 months	36 months	48 months	48 months	60 months	60 months	63 months	65 months	72 months
Min. Deposit	$500	$500	$500	$500	$500	$500	$500	$500	$500	$500	$500	$500	$500	$500	$500	$500	$500	$500	$500	$500	$500
Early Withdrawal	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FDIC Insured	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes
Notes	New money is limited to $1,000,000.00 per tax identification number.	-	-	-	-	New money is limited to $1,000,000.00 per tax identification number.	-	-	-	-	New money is limited to $1,000,000.00 per tax identification number.	-	-	-	-	-	-	-	New money is limited to $1,000,000.00 per tax identification number.	-	-

Geddes Federal Savings and Loan Association CD Rates Over Time

Not enough rate history to show a chart. We have CD rates for this bank from one day only. The chart shows when we collect more data.

Money Market Accounts Offered by Geddes Federal Savings and Loan Association

Feature	Premier Money Market	Money Market
APY	0.80%Range: 0.30% - 0.80%Verified: 8/19/2026	0.70%Range: 0.30% - 0.70%Verified: 8/19/2026
Min. Deposit	$1,000	$1,000
Min. Balance	$1,000	$1,000
Monthly Fee	N/A	N/A
Direct Deposit	None	None
In-Branch Access	Yes	Yes
Compounding	N/A	N/A
FDIC Insured	Yes	Yes
Eligibility	United States	United States

Alternatives to Geddes Federal Savings and Loan Association

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