Online Account Access

Important Changes to Our Funds Availability Policy

Effective July 1, 2025, Geddes Federal S&L has updated the Funds Availability Policy.

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Open Deposit Accounts or Apply for Loans Online

Mortgages, Loans, Checking Accounts, Money Market Accounts, Certificates & More

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mobile check deposit with geddes federal savings near syracuse ny

Introducing Mobile Check Deposit

Experience the convenience of mobile check deposit. Now, depositing a check is just as easy as taking a picture.

More Mobile Banking Features

Home Equity Line of Credit

Home Equity Lines allow you to tap into your equity when you need it. This option is a great way to finance unexpected home repairs and more.

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Apply for a Mortgage Loan Online

Avoid the hassle of paperwork plus save and finish a loan application on your own schedule.

Online Mortgage Loan Application

Daily Rates for

7-1 ARM Mortgage Special

6.188% APR

Mortgage Rates

8 Month Certificate of Deposit Special

4.25% APY*

Savings & Deposit Rates

Financial Calculators

Mortgage >

Loan >

Savings >

Mortgages

Mortgages, Home Equity Loan, Home Equity Line of Credit and more.

Mortgage Loans
Savings

Savings Accounts, CD's MMA, Retirement and more.

Saving Accounts
ATM Locator

Find the nearest ATM quickly and easily.

ATM Locator
Online Banking

Monitor and manage your money online 24/7.

Online Banking

Geddes Federal Savings and Loan

We’re proud to serve you.

As a valued member of our financial family, your needs are our #1 priority. That’s why we offer a wide variety of products and friendly, local and reliable service all in one convenient place. From our variety of deposit and loans products we offer the latest in services along with the most competitive rates and reasonable fees available.

Consumer & Fraud Alerts

More Consumer & Fraud Alerts >

How to Avoid a Money Mule Scam

Learn more about money mule scams, how to avoid them, and what to do if you spot the scam.

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Taxpayers should be on the lookout for new version of SSN scam

Taxpayers should be on the lookout for new variations of tax-related scams. In the latest twist on a scam related to Social Security numbers, scammers claim to be able to suspend or cancel the victim’s SSN.

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When You Get it at Geddes, You Get Local Service

Your neighbors at Geddes Federal Savings and Loan Association are here for you. Whether it’s everyday essentials like checking accounts with secure, convenient mobile banking and online banking, or you’re building a brighter tomorrow with retirement savings, mortgage loans, home equity loans or a home equity line of credit, get it at Geddes. For generations, we’ve been here for the Syracuse, NY community that we’re proud to call home. We’re local and we’re always easy to reach.