Bank · FDIC insured
Geddes Federal Savings and Loan Association CD Rates
Geddes Federal Savings and Loan Association’s best CD rate is 4.60% APY on a 13-month CD. Terms run from 6 months to 5 years. Rates checked October 17, 2026.
How Geddes Federal Savings and Loan Association’s CD rates compare
Compared with banks and credit unions near Syracuse, NY, where Geddes Federal Savings and Loan Association has the most branches. $10,000, best rate first.
This bank’s best
Geddes Federal Savings and Loan Association
4.60%APY
- Term
- 13 months
- Minimum
- $500
- Earns on $10,000
- $499
Certificate of Deposit
Top rate
Syracuse Fire Department Credit Union
5.00%APY
- Term
- 6 months
- Minimum
- $1,000
- Earns on $10,000
- $247
2nd-highest rate
Crouse Federal Credit Union
4.75%APY
- Term
- 6 months
- Minimum
- —
- Earns on $10,000
- $235
Geddes Federal Savings and Loan Association CD score
95
CD score
Higher than 98% of U.S. banks and credit unions
By term
- 3–8 months3–8 mo4.25%
- 9–15 months9–15 mo4.60%
- 16–30 months16–30 mo3.80%
- 31–60 months31–60 mo4.00%
- QualifiedQualified4.60%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Geddes Federal Savings and Loan Association ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Certificate of Deposit
Up to 4.60%APY · 12 terms
$500 Minimum Balance. Minimum deposit of $500 to open a CD account. Penalty may apply for early withdrawal. Fees may reduce earnings. Rates and promotion(s) subject to change at any time. Maximum $1,000,000.00 New Money per tax ID number. Deposit accounts are only opened for consumers residing or businesses that are located within 150 miles of our Syracuse, New York location. Interest is compounded daily and posted quarterly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months$500 Minimum Balance. Minimum deposit $500 to open. Penalty may apply for early withdrawal. Fees may reduce earnings. Rates and promotion(s) subject to change at any time. Maximum $1,000,000.00 New Money per tax ID number. Interest compounded daily, posted quarterly. Deposit accounts only opened for consumers residing or businesses located within 150 miles of Syracuse, NY | 1.30% | $65 |
| 7 monthsSpecial rate. $500 Minimum Balance. Minimum deposit $500 to open. Penalty may apply for early withdrawal. Fees may reduce earnings. Rates and promotion(s) subject to change at any time. Maximum $1,000,000.00 New Money per tax ID number. Interest compounded daily, posted quarterly. Deposit accounts only opened for consumers residing or businesses located within 150 miles of Syracuse, NY | 4.25% | $246 |
| 8 monthsSpecial rate. $500 Minimum Balance. Penalty may apply for early withdrawal. Fees may reduce earnings. Rates and promotion(s) subject to change at any time. Maximum $1,000,000.00 New Money per tax ID number. Interest compounded daily, posted quarterly. Deposit accounts only opened for consumers residing or businesses located within 150 miles of Syracuse, NY | 4.25% | $281 |
| 9 months$500 Minimum Balance. Minimum deposit $500 to open. Penalty may apply for early withdrawal. Fees may reduce earnings. Rates and promotion(s) subject to change at any time. Maximum $1,000,000.00 New Money per tax ID number. Interest compounded daily, posted quarterly. Deposit accounts only opened for consumers residing or businesses located within 150 miles of Syracuse, NY | 1.30% | $97 |
| 12 months$500 Minimum Balance. Minimum deposit $500 to open. Penalty may apply for early withdrawal. Fees may reduce earnings. Rates and promotion(s) subject to change at any time. Maximum $1,000,000.00 New Money per tax ID number. Interest compounded daily, posted quarterly. Deposit accounts only opened for consumers residing or businesses located within 150 miles of Syracuse, NY | 1.30% | $130 |
| 13 monthsSpecial rate. $500 Minimum Balance. Minimum deposit $500 to open. Penalty may apply for early withdrawal. Fees may reduce earnings. Rates and promotion(s) subject to change at any time. Maximum $1,000,000.00 New Money per tax ID number. Interest compounded daily, posted quarterly. Deposit accounts only opened for consumers residing or businesses located within 150 miles of Syracuse, NY | 4.60% | $499 |
| 18 months$500 Minimum Balance. Minimum deposit $500 to open. Penalty may apply for early withdrawal. Fees may reduce earnings. Rates and promotion(s) subject to change at any time. Maximum $1,000,000.00 New Money per tax ID number. Interest compounded daily, posted quarterly. Deposit accounts only opened for consumers residing or businesses located within 150 miles of Syracuse, NY | 1.76% | $265 |
| 24 months$500 Minimum Balance. Minimum deposit $500 to open. Penalty may apply for early withdrawal. Fees may reduce earnings. Rates and promotion(s) subject to change at any time. Maximum $1,000,000.00 New Money per tax ID number. Interest compounded daily, posted quarterly. Deposit accounts only opened for consumers residing or businesses located within 150 miles of Syracuse, NY | 1.76% | $355 |
| 27 monthsSpecial rate. $500 Minimum Balance. Minimum deposit $500 to open. Penalty may apply for early withdrawal. Fees may reduce earnings. Rates and promotion(s) subject to change at any time. Maximum $1,000,000.00 New Money per tax ID number. Interest compounded daily, posted quarterly. Deposit accounts only opened for consumers residing or businesses located within 150 miles of Syracuse, NY | 3.80% | $875 |
| 36 months$500 Minimum Balance. Minimum deposit $500 to open. Penalty may apply for early withdrawal. Fees may reduce earnings. Rates and promotion(s) subject to change at any time. Maximum $1,000,000.00 New Money per tax ID number. Interest compounded daily, posted quarterly. Deposit accounts only opened for consumers residing or businesses located within 150 miles of Syracuse, NY | 2.50% | $769 |
| 48 months$500 Minimum Balance. Minimum deposit $500 to open. Penalty may apply for early withdrawal. Fees may reduce earnings. Rates and promotion(s) subject to change at any time. Maximum $1,000,000.00 New Money per tax ID number. Interest compounded daily, posted quarterly. Deposit accounts only opened for consumers residing or businesses located within 150 miles of Syracuse, NY | 4.00% | $1,699 |
| 60 months$500 Minimum Balance. Minimum deposit $500 to open. Penalty may apply for early withdrawal. Fees may reduce earnings. Rates and promotion(s) subject to change at any time. Maximum $1,000,000.00 New Money per tax ID number. Interest compounded daily, posted quarterly. Deposit accounts only opened for consumers residing or businesses located within 150 miles of Syracuse, NY | 3.25% | $1,734 |
Special-purpose accounts
IRA Certificate of Deposit
Up to 3.56%APY · 9 terms
$500.00 minimum balance required. Penalty may be imposed for early withdrawal. Fees may reduce earnings. Interest is compounded daily and posted quarterly. Deposit accounts are only opened for consumers residing or businesses that are located within 150 miles of our Syracuse, New York location.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months$500.00 minimum balance required. Penalty may be imposed for early withdrawal. Fees may reduce earnings. Interest compounded daily, posted quarterly. Deposit accounts only opened for consumers residing or businesses located within 150 miles of Syracuse, NY | 1.81% | $181 |
| 18 months$500.00 minimum balance required. Penalty may be imposed for early withdrawal. Fees may reduce earnings. Interest compounded daily, posted quarterly. Deposit accounts only opened for consumers residing or businesses located within 150 miles of Syracuse, NY | 2.78% | $420 |
| 24 months$500.00 minimum balance required. Penalty may be imposed for early withdrawal. Fees may reduce earnings. Interest compounded daily, posted quarterly. Deposit accounts only opened for consumers residing or businesses located within 150 miles of Syracuse, NY | 2.02% | $408 |
| 30 months$500.00 minimum balance required. Penalty may be imposed for early withdrawal. Fees may reduce earnings. Interest compounded daily, posted quarterly. Deposit accounts only opened for consumers residing or businesses located within 150 miles of Syracuse, NY | 2.02% | $513 |
| 36 months$500.00 minimum balance required. Penalty may be imposed for early withdrawal. Fees may reduce earnings. Interest compounded daily, posted quarterly. Deposit accounts only opened for consumers residing or businesses located within 150 miles of Syracuse, NY | 2.12% | $650 |
| 48 months$500.00 minimum balance required. Penalty may be imposed for early withdrawal. Fees may reduce earnings. Interest compounded daily, posted quarterly. Deposit accounts only opened for consumers residing or businesses located within 150 miles of Syracuse, NY | 2.42% | $1,004 |
| 60 months$500.00 minimum balance required. Penalty may be imposed for early withdrawal. Fees may reduce earnings. Interest compounded daily, posted quarterly. Deposit accounts only opened for consumers residing or businesses located within 150 miles of Syracuse, NY | 3.56% | $1,911 |
| 65 months$500.00 minimum balance required. Penalty may be imposed for early withdrawal. Fees may reduce earnings. Interest compounded daily, posted quarterly. Deposit accounts only opened for consumers residing or businesses located within 150 miles of Syracuse, NY | 3.56% | $2,086 |
| 72 months$500.00 minimum balance required. Penalty may be imposed for early withdrawal. Fees may reduce earnings. Interest compounded daily, posted quarterly. Deposit accounts only opened for consumers residing or businesses located within 150 miles of Syracuse, NY | 3.56% | $2,335 |
Sources (1)
- geddesfederal.com/savings-deposit-rates-near-syracuse-ny · captured Oct 16, 2026
Opening an account
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