Geddes Federal Savings and Loan Association rates: up to 4.60% APY
bank · FDIC CERT 30397 · www.geddesfederal.com/
Savings
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Holiday/Vacation Club Account | 0.05% | APY | 2026-11-01 | since 2026-11-01 | ||
| Passbook Savings | 0.05% | APY | 2026-11-01 | since 2026-11-01 | ||
| Statement Savings | 0.05% | APY | 2026-11-01 | since 2026-11-01 |
CDs
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| 6 Month CD | 6 months | 1.30% | APY | 2026-11-01 | since 2026-11-01 | |
| 7 Month CD-Special | 7 months | 4.25% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificate of Deposit Rates Specials | 8 Month Special | 4.25% | APY | 2026-11-01 | since 2026-11-01 | |
| 9 Month CD | 9 months | 1.30% | APY | 2026-11-01 | since 2026-11-01 | |
| 1-Year CD | 12 Month | 1.30% | APY | 2026-11-01 | since 2026-11-01 | |
| 13 Month CD-Special | 13 months | 4.60% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificate of Deposit Rates Specials | 13 Month Special | 4.60% | APY | 2026-11-01 | since 2026-11-01 | |
| 18-Month CD | 18 Month | 1.76% | APY | 2026-11-01 | since 2026-11-01 | |
| 24 Month CD | 2 years | 1.76% | APY | 2026-11-01 | since 2026-11-01 | |
| 27 Month CD-Special | 27 months | 3.80% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificate of Deposit Rates Specials | 27 Month Special | 3.80% | APY | 2026-11-01 | since 2026-11-01 | |
| 36 Month CD | 3 years | 2.50% | APY | 2026-11-01 | since 2026-11-01 | |
| 48 Month CD | 4 years | 4.00% | APY | 2026-11-01 | since 2026-11-01 | |
| 5-Year CD | 60 Month | 3.25% | APY | 2026-11-01 | since 2026-11-01 |
Money market
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Money Market Account | $1,000 - $49,999.99 | 0.30% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Account | $50,000.00 - $99,999.99 | 0.45% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Account | $100,000.00 - $249,999.99 | 0.60% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Account | $250,000.00 or more | 0.70% | APY | 2026-11-01 | since 2026-11-01 | |
| Premier Money Market | $1,000 - $49,999.99 | 0.30% | APY | 2026-11-01 | since 2026-11-01 | |
| Premier Money Market | $50,000.00 -$99,999.99 | 0.55% | APY | 2026-11-01 | since 2026-11-01 | |
| Premier Money Market | $100,000.00 -$249,999.99 | 0.70% | APY | 2026-11-01 | since 2026-11-01 | |
| Premier Money Market | $250,000.00 or more | 0.80% | APY | 2026-11-01 | since 2026-11-01 | |
| Premier Money Market Account | 0.05% | APY | 2026-11-01 | since 2026-11-01 |
Checking
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| NOW Checking | 0.05% | APY | 2026-11-01 | since 2026-11-01 | ||
| Now Checking | $250.00 | 0.05% | APY | 2026-11-01 | since 2026-11-01 | |
| Super NOW Checking | 0.05% | APY | 2026-11-01 | since 2026-11-01 | ||
| Super Now Checking | $1,000.00 to $49,999.99 | 0.10% | APY | 2026-11-01 | since 2026-11-01 | |
| Super Now Checking | $50,000 or more | 0.20% | APY | 2026-11-01 | since 2026-11-01 |
Sources and evidence
| Page | Last captured | Last result | Digest |
|---|---|---|---|
| www.geddesfederal.com/online-savings-interest-rates/ | 2026-11-02 01:25 UTC | ok | 339292b400f2 |
| www.geddesfederal.com/savings-deposit-rates-near-syracuse-ny/ | 2026-11-02 01:25 UTC | ok | 41d44a806a76 |
| www.geddesfederal.com/cd-rates-near-manlius-ny/ | — | failed |