Geddes Federal S&L Rates and Review February 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Geddes Federal S&L's 4-Month Certificate of Deposit 4-Month Special rates are at 4.25%, 11-Month Certificate of Deposit 11-Month Special rates are at 4.00%, 25-Month Certificate of Deposit 25-Month Special rates are at 3.60%, IRA Certificate 60-Month rates are at 3.56%, IRA Certificate 65-Month rates are at 3.56%. Geddes Federal S&L's savings rates are at 0.05%. Geddes Federal S&L's money market rates are at 0.05%. Geddes Federal S&L's Conventional Fixed Rate Mortgage rates are at 5.25%, Conventional Fixed Rate Mortgage rates are at 5.25%, Conventional Fixed Rate Mortgage rates are at 5.38%, Conventional Fixed Rate Mortgage rates are at 5.38%, Conventional Fixed Rate Mortgage rates are at 5.38%.
Rate Updates and AvailabilityGeddes 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. Geddes Federal S&L Texas RatioGeddes Federal S&L's Texas Ratio is at 1.42%, which is considered excellent. The Texas Ratio for Geddes Federal S&L is lower than the national average of all banks, currently at 6.13%. The Texas Ratio was developed in the early 1980s, and it is used to identify potential problem banks. Banks that have a Texas Ratio of 100% or more have a high chance of failing. MonitorBankRates Rating
5.0
Excellent
Out of 5.0 Stars
Geddes Federal S&L has earned a Smart Rating of 5.0 out of 5 stars. 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. Overall, Geddes Federal S&L is a excellent bank worth considering, with an overall rating of 5.0 stars out of 5 stars. Current Interest RatesRate
APY/APR
vs. Avg
"N/A" indicates the product is not offered or the rate is unavailable. 
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
Methodology & Data SourcesMonitorBankRates 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 & OverviewGeddes Federal S&L
2208 W Genesee StSyracuse, NY 13219 Onondaga Established Date: 01/01/1948 FDIC Certificate #: 30397 Date of FDIC Deposit Insurance: 08/09/1989 How Many Domestic U.S. Offices? 1 How Many Branches are There? 1 Website: https://www.geddesfederal.com
Is Geddes Federal S&L FDIC Insured? Yes
What is Geddes Federal S&L's Cert number? 30397
What is the maximum amount for insured deposits? $250,000 per holder, per account
Financial Health & AssetsTotal Assets:
$649,326,000
Total Deposits:
$458,243,000
Equity Capital:
$99,026,000
Net Income:
$211,000
Return on Assets (ROA):
0.2007%
Return on Equity (ROE):
1.2600%
Headquarters:
Syracuse
Regulator:
OCC
# of Offices:
1
Source: FDIC | Last Updated 03/31/2024
Frequently Asked Questions About Geddes Federal S&LHow do I open an account at Geddes Federal S&L?You can typically open an account at Geddes Federal S&L by visiting a local branch or applying through their official website. Is there a first-time homebuyer program?Currently, Geddes Federal S&L provides a range of mortgage and home equity products. Is Geddes Federal S&L a safe place to deposit money?Yes, Geddes Federal S&L is considered a safe financial institution. Your accounts are federally insured by the FDIC up to $250,000 per depositor. Does Geddes Federal S&L offer online and mobile banking?Most modern institutions like Geddes Federal S&L provide digital access including online balance checks and transfers. Compare to other Banks |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
