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Garden Savings Federal Credit Union

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Garden Savings Federal Credit Union Rates & Review November 2026

Q: What are the current interest rates at Garden Savings Federal Credit Union?

Current rates for Garden Savings Federal Credit Union include: 12-Month CD: 4.00%, 18-Month CD: 3.25%, 24-Month CD: 3.00%, 60-Month CD: 3.00%, Savings: 3.75%, MMA: 3.00%

Q: What CD terms does Garden Savings Federal Credit Union offer?

Garden Savings Federal Credit Union CD rates are 3.50% APY for a 6 month CD, 3.50% APY for a 7 month CD, 4.05% APY for a 12 month CD, 4.25% APY for a 13 month CD, 3.25% APY for an 18 month CD, 3.00% APY for a 2 year CD and 3.00% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Garden Savings Federal Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 30, 2026

Garden Savings Federal Credit Union's CDs - 13 month rates are at 4.25%, CDs - 12 month rates are at 4.05%, CDs - 6 month rates are at 3.50%, CDs - 7 month rates are at 3.50%, CDs - 18 month rates are at 3.25%. Garden Savings Federal Credit Union's savings rates are at 3.75%. Garden Savings Federal Credit Union's money market rates are at 3.00%. Garden Savings Federal Credit Union's checking rates are as high as 5.00%. Garden Savings Federal Credit Union's First Mortgage - 10 Years rates are at 5.75%, First Mortgage - 20 Years rates are at 5.75%, First Mortgage - 15 Years rates are at 5.88%, First Mortgage - 30 Years rates are at 6.00%, First Mortgages rates are at 6.50%. Garden Savings Federal Credit Union's Personal Loan Rates are as low as 10.99%. Garden Savings Federal Credit Union's Credit Card Rates are at 8.00%. Garden Savings Federal Credit Union's CD rates are 10% higher than the MonitorBankRates national average, and it has an A health rating. MonitorBankRates evaluates the financial stability of Garden Savings Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 10.13%. Rates last updated and verified on 10/30/2026.

Garden Savings Federal Credit Union 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 Garden Savings Federal Credit Union? Share your experience about Garden Savings Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Garden Savings Federal Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 95/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

10.13%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Garden Savings Federal Credit Union
Main

129 Littleton Rd
Parsippany, NJ 07054-1869

http://gardensavingsfcu.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Garden Savings Federal Credit Union CD Rates

Product	Rate	APY	Term
Share Certificates - 13 month	4.17%	4.25%	13 Months
Min Deposit $500 Details Share Certificates; $500 Minimum; Penalty for early withdrawal for terms of 1 year or greater: 180 days of dividends earned Last Updated 10/30/2026 Rate History No change since Oct 6, 2026 · 4.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Share Certificates - 12 month	3.975%	4.05%	12 Months
Min Deposit $500 Details Share Certificates; $500 Minimum; Penalty for early withdrawal for terms of 1 year or greater: 180 days of dividends earned Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.90% → 4.05% ▲ 0.15 pts · high 4.05% / low 3.90% Oct 6, 20264.05%▲ from 3.90% Sep 14, 20263.90%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Special Promotional Share Certificate - 12 month	3.925%	4.00%	12 Months
Min Deposit $500 Details Share Certificate Special available from July 5th to July 10th; Minimum opening deposit of $500 in new money required (new funds = money not on deposit at Garden Savings FCU in the past 90 days); On terms of 1 year or greater, early withdrawal penalty is 180 days of dividends earned Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 4.00% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Share Certificates - 6 month	3.50%	3.50%	6 Months
Min Deposit $500 Details Share Certificates; $500 Minimum; Penalty for early withdrawal for terms eleven months or less: loss of 90 days dividends earned Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Share Certificates - 7 month	3.50%	3.50%	7 Months
Min Deposit $500 Details Share Certificates; $500 Minimum; Penalty for early withdrawal for terms eleven months or less: loss of 90 days dividends earned Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 2.75% → 3.50% ▲ 0.75 pts · high 3.50% / low 2.75% Oct 6, 20263.50%▲ from 2.75% Sep 14, 20262.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Share Certificates - 18 month	3.20%	3.25%	18 Months
Min Deposit $500 Details Share Certificates; $500 Minimum; Penalty for early withdrawal for terms of 1 year or greater: 180 days of dividends earned Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Share Certificates - 2 Years	2.96%	3.00%	2 Years
Min Deposit $500 Details Share Certificates; $500 Minimum; Penalty for early withdrawal for terms of 1 year or greater: 180 days of dividends earned Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Share Certificates - 3 Years	2.96%	3.00%	3 Years
Min Deposit $500 Details Share Certificates; $500 Minimum; Penalty for early withdrawal for terms of 1 year or greater: 180 days of dividends earned Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Share Certificates - 4 Years	2.96%	3.00%	4 Years
Min Deposit $500 Details Share Certificates; $500 Minimum; Penalty for early withdrawal for terms of 1 year or greater: 180 days of dividends earned Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Share Certificates - 5 Years	2.96%	3.00%	5 Years
Min Deposit $500 Details Share Certificates; $500 Minimum; Penalty for early withdrawal for terms of 1 year or greater: 180 days of dividends earned Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Share Certificates - 8 month	2.75%	2.75%	8 Months
Min Deposit $500 Details Share Certificates; $500 Minimum; Penalty for early withdrawal for terms eleven months or less: loss of 90 days dividends earned Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 2.75% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Share Certificates - 9 month	2.75%	2.75%	9 Months
Min Deposit $500 Details Share Certificates; $500 Minimum; Penalty for early withdrawal for terms eleven months or less: loss of 90 days dividends earned Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 2.75% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Share Certificates - 3 month	1.75%	1.75%	3 Months
Min Deposit $500 Details Share Certificates; $500 Minimum; Penalty for early withdrawal for terms eleven months or less: loss of 90 days dividends earned Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.75% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Share Certificates - 4 month	1.75%	1.75%	4 Months
Min Deposit $500 Details Share Certificates; $500 Minimum; Penalty for early withdrawal for terms eleven months or less: loss of 90 days dividends earned Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.75% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Share Certificates - 5 month	1.75%	1.75%	5 Months
Min Deposit $500 Details Share Certificates; $500 Minimum; Penalty for early withdrawal for terms eleven months or less: loss of 90 days dividends earned Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.75% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Share Certificates - 30 Days	0.30%	0.30%	30 Days
Min Deposit $500 Details Share Certificates; $500 Minimum; Penalty for early withdrawal for terms eleven months or less: loss of 90 days dividends earned Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 0.30% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%

Garden Savings Federal Credit Union Savings Rates

Product	Rate	APY
Accelerate Savings	3.69%	3.75%
Min Balance $0 Details Balance: the first $15,000 on deposit in the account (average balance); Dividend on the first $15k based on the higher rate Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.75% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Accelerate Savings	1.00%	1.00%
Min Balance $15,000 Details Balance: on funds in excess of $15,000 (average balance) Last Updated 10/30/2026 Rate History 5 changes since Sep 14, 2026 · 0.45% → 1.00% ▲ 0.55 pts · high 3.75% / low 0.45% Oct 14, 20261.00%▼ from 3.75% Oct 10, 20263.75%▲ from 1.00% Oct 1, 20261.00%▲ from 0.45% Sep 22, 20260.45%▼ from 1.00% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Holiday Club	0.50%	0.50%
No additional details. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Kids Club Account	0.50%	0.50%
No additional details. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Vacation Club	0.10%	0.10%
No additional details. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Member Savings	0.05%	0.05%
Min Balance $250 Details $250 minimum balance required to earn dividends. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%

Garden Savings Federal Credit Union Business Savings Rates

Product	Rate	APY	View More
Business Savings	0.05%	0.05%
Details No monthly service charges. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%

Garden Savings Federal Credit Union Money Market Rates

Product	Rate	APY
Platinum Money Market	2.81%	2.85%
Min Balance $500,000 Details Balance: $500,000 - $999,999.99 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 2.85% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Platinum Money Market	2.57%	2.60%
Min Balance $250,000 Details Balance: $250,000 - $499,999.99 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 2.60% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Platinum Money Market	2.08%	2.10%
Min Balance $200,000 Details Balance: $200,000 - $249,999.99 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 2.10% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Platinum Money Market	1.83%	1.85%
Min Balance $100,000 Details Balance: $100,000 - $199,999.99 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 1.85% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Platinum Money Market	1.59%	1.60%
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 1.60% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Platinum Money Market	1.34%	1.35%
Min Balance $10,000 Details Balance: $10,000 - $49,999.99 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 1.35% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Platinum Money Market	0.50%	0.50%
Min Balance $5,000 Details Balance: $5,000 - $9,999.99 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.50% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Platinum Money Market	0.00%	0.00%
Min Balance $0 Details Balance: $0 - $4,999.99 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.50% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%

Garden Savings Federal Credit Union Business Money Market Rates

Product	Rate	APY
Better Business Money Market	2.96%	3.00%
Min Balance $1,000,000 Details Balance: $1,000,000 and up Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Better Business Money Market	2.72%	2.75%
Min Balance $500,000 Details Balance: $500,000-999,999 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 2.75% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Better Business Money Market	2.47%	2.50%
Min Balance $250,000 Details Balance: $250,000-499,999 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 2.50% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Better Business Money Market	1.98%	2.00%
Min Balance $200,000 Details Balance: $200,000- 249,999 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Better Business Money Market	1.74%	1.75%
Min Balance $100,000 Details Balance: $100,000-199,999 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.75% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Better Business Money Market	1.49%	1.50%
Min Balance $50,000 Details Balance: $50,000-99,999 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.50% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Better Business Money Market	1.24%	1.25%
Min Balance $10,000 Details Balance: $10,000-49,999 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.25% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Business Money Market	0.70%	0.70%
Min Balance $500,000 Details Balance: $500,000-999,999 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.70% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Business Money Market	0.70%	0.70%
Min Balance $1,000,000 Details Balance: $1,000,000 and up Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.70% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Business Money Market	0.50%	0.50%
Min Balance $200,000 Details Balance: $200,000- 249,999 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.50% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Business Money Market	0.50%	0.50%
Min Balance $250,000 Details Balance: $250,000-499,999 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.50% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Business Money Market	0.45%	0.45%
Min Balance $100,000 Details Balance: $100,000-199,999 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.45% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Business Money Market	0.40%	0.40%
Min Balance $50,000 Details Balance: $50,000-99,999 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.40% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Business Money Market	0.30%	0.30%
Min Balance $10,000 Details Balance: $10,000-49,999 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%

Garden Savings Federal Credit Union Checking Rates

Product	Rate	APY
Platinum Checking	4.89%	5.00%
Details Qualifications Required; Balance: On the first $15,000 on deposit (average balance), if all qualifiers met; Qualifying balance up to $15,000.00; up to $20 per month ATM rebate; maximum of one Platinum Checking account per membership; no monthly service charges. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 5.00% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Platinum Checking	3.06%	3.10%
Min Balance $1,000,000 Details Balance: $1,000,000+ Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Platinum Checking	2.81%	2.85%
Min Balance $500,000 Details Balance: $500,000 - $999,999.99 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 2.85% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Platinum Checking	2.57%	2.60%
Min Balance $250,000 Details Balance: $250,000 - $499,999.99 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 2.60% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Platinum Checking	2.08%	2.10%
Min Balance $200,000 Details Balance: $200,000 - $249,999.99 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 2.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Platinum Checking	1.83%	1.85%
Min Balance $100,000 Details Balance: $100,000 - $199,999.99 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 1.85% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Platinum Checking	1.59%	1.60%
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 0.90% → 1.60% ▲ 0.70 pts · high 1.60% / low 0.90% Oct 14, 20261.60%▲ from 0.90% Sep 14, 20260.90%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Platinum Checking	1.34%	1.35%
Min Balance $10,000 Details Balance: $10,000 - $49,999.99 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 1.35% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Platinum Checking	0.90%	0.90%
Min Balance $50,000 Details Balance: $50,000+ Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.90% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Platinum Checking	0.60%	0.60%
Min Balance $40,000 Details Balance: $40,000+ Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 0.60% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Platinum Checking	0.55%	0.55%
Min Balance $30,000 Details Balance: $30,000 - $49,999.99 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.55% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Platinum Checking	0.50%	0.50%
Min Balance $5,000 Details Balance: $5,000 - $9,999.99 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 0.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Platinum Checking	0.45%	0.45%
Min Balance $15,000 Details Balance: $15,000 - $29,999.99 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.45% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Platinum Checking	0.40%	0.40%
Min Balance $1,000 Details Balance: $1,000 - $14,999.99 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.40% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Basic Checking	0.00%	0.00%
Details No monthly service charges. Last Updated 10/30/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Debit Rewards Checking	0.00%	0.00%
Details Earns 1 point for every $3 spent on qualifying signature-based debit card purchases when you choose credit; no monthly service fee; no minimum balance requirements. Program terms subject to change without notice. Last Updated 10/30/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Platinum Checking	0.00%	0.00%
Min Balance $0 Details Balance: $0 - $999.99 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 4.89% → 0.40% ▼ 4.49 pts · high 4.89% / low 0.40% Oct 26, 20260.40%▼ from 4.89% Sep 14, 20264.89%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%

Garden Savings Federal Credit Union Business Checking Rates

Product	Rate	APY	View More
Business Checking	0.00%	0.00%
Details $20 monthly service charge with unlimited transactions and no minium balance requirement. Last Updated 10/30/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%

Garden Savings Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
First Mortgage - 10 Years	5.75%	0	5.855%	10 Years
Details New purchases up to $970,800; credit score 740+, single-family primary residence Last Updated 10/30/2026 Rate History 1 change since Oct 19, 2026 · 6.62% → 5.86% ▼ 0.77 pts · high 6.62% / low 5.86% Oct 26, 20265.86%▼ from 6.62% Oct 19, 20266.62%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
First Mortgage - 20 Years	5.75%	1	5.931%	20 Years
Details First Time Home Buyer Rate; New purchases up to $970,800; credit score 740+, single-family primary residence Last Updated 10/30/2026 Rate History 1 change since Oct 19, 2026 · 6.69% → 5.93% ▼ 0.76 pts · high 6.69% / low 5.93% Oct 26, 20265.93%▼ from 6.69% Oct 19, 20266.69%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
First Mortgage - 20 Years	5.875%	0	5.935%	20 Years
Details First Time Home Buyer Rate; New purchases up to $970,800; credit score 740+, single-family primary residence Last Updated 10/30/2026 Rate History 1 change since Oct 19, 2026 · 6.70% → 5.94% ▼ 0.76 pts · high 6.70% / low 5.94% Oct 26, 20265.94%▼ from 6.70% Oct 19, 20266.70%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
First Mortgage - 10 Years	5.625%	1	5.946%	10 Years
Details New purchases up to $970,800; credit score 740+, single-family primary residence Last Updated 10/30/2026 Rate History 1 change since Oct 19, 2026 · 6.71% → 5.95% ▼ 0.77 pts · high 6.71% / low 5.95% Oct 26, 20265.95%▼ from 6.71% Oct 19, 20266.71%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
First Mortgage - 15 Years	5.875%	0	5.951%	15 Years
Details New purchases up to $970,800; credit score 740+, single-family primary residence Last Updated 10/30/2026 Rate History 1 change since Oct 19, 2026 · 6.71% → 5.95% ▼ 0.76 pts · high 6.71% / low 5.95% Oct 26, 20265.95%▼ from 6.71% Oct 19, 20266.71%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
First Mortgage - 15 Years	5.75%	1	5.978%	15 Years
Details New purchases up to $970,800; credit score 740+, single-family primary residence Last Updated 10/30/2026 Rate History 1 change since Oct 19, 2026 · 6.74% → 5.98% ▼ 0.77 pts · high 6.74% / low 5.98% Oct 26, 20265.98%▼ from 6.74% Oct 19, 20266.74%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
First Mortgage - 15 Years	5.625%	2	6.004%	15 Years
Details New purchases up to $970,800; credit score 740+, single-family primary residence Last Updated 10/30/2026 Rate History 1 change since Oct 19, 2026 · 6.77% → 6.00% ▼ 0.77 pts · high 6.77% / low 6.00% Oct 26, 20266.00%▼ from 6.77% Oct 19, 20266.77%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
First Mortgage - 10 Years	5.50%	2	6.035%	10 Years
Details New purchases up to $970,800; credit score 740+, single-family primary residence Last Updated 10/30/2026 Rate History 1 change since Oct 19, 2026 · 6.81% → 6.04% ▼ 0.77 pts · high 6.81% / low 6.04% Oct 26, 20266.04%▼ from 6.81% Oct 19, 20266.81%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
First Mortgage - 20 Years	5.75%	2	6.053%	20 Years
Details New purchases up to $970,800; credit score 740+, single-family primary residence Last Updated 10/30/2026 Rate History 1 change since Oct 19, 2026 · 6.82% → 6.05% ▼ 0.77 pts · high 6.82% / low 6.05% Oct 26, 20266.05%▼ from 6.82% Oct 19, 20266.82%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
First Mortgage - 20 Years	5.875%	1	6.058%	20 Years
Details New purchases up to $970,800; credit score 740+, single-family primary residence Last Updated 10/30/2026 Rate History 1 change since Oct 19, 2026 · 6.69% → 6.06% ▼ 0.64 pts · high 6.69% / low 6.06% Oct 26, 20266.06%▼ from 6.69% Oct 19, 20266.69%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
First Mortgage - 20 Years	6.00%	0	6.062%	20 Years
Details New purchases up to $970,800; credit score 740+, single-family primary residence Last Updated 10/30/2026 Rate History 1 change since Oct 19, 2026 · 6.70% → 6.06% ▼ 0.63 pts · high 6.70% / low 6.06% Oct 26, 20266.06%▼ from 6.70% Oct 19, 20266.70%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
First Mortgage - 30 Years	6.00%	1	6.139%	30 Years
Details First Time Home Buyer Rate; New purchases up to $970,800; credit score 740+, single-family primary residence Last Updated 10/30/2026 Rate History 1 change since Oct 19, 2026 · 6.90% → 6.14% ▼ 0.76 pts · high 6.90% / low 6.14% Oct 26, 20266.14%▼ from 6.90% Oct 19, 20266.90%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
First Mortgage - 30 Years	6.125%	0	6.173%	30 Years
Details First Time Home Buyer Rate; New purchases up to $970,800; credit score 740+, single-family primary residence Last Updated 10/30/2026 Rate History 1 change since Oct 19, 2026 · 6.93% → 6.17% ▼ 0.76 pts · high 6.93% / low 6.17% Oct 26, 20266.17%▼ from 6.93% Oct 19, 20266.93%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
First Mortgage - 30 Years	6.00%	2	6.232%	30 Years
Details New purchases up to $970,800; credit score 740+, single-family primary residence Last Updated 10/30/2026 Rate History 1 change since Oct 19, 2026 · 7.00% → 6.23% ▼ 0.77 pts · high 7.00% / low 6.23% Oct 26, 20266.23%▼ from 7.00% Oct 19, 20267.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
First Mortgage - 30 Years	6.125%	1	6.266%	30 Years
Details New purchases up to $970,800; credit score 740+, single-family primary residence Last Updated 10/30/2026 Rate History 1 change since Oct 19, 2026 · 6.90% → 6.27% ▼ 0.64 pts · high 6.90% / low 6.27% Oct 26, 20266.27%▼ from 6.90% Oct 19, 20266.90%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
First Mortgage - 30 Years	6.25%	0	6.299%	30 Years
Details New purchases up to $970,800; credit score 740+, single-family primary residence Last Updated 10/30/2026 Rate History 1 change since Oct 19, 2026 · 6.93% → 6.30% ▼ 0.63 pts · high 6.93% / low 6.30% Oct 26, 20266.30%▼ from 6.93% Oct 19, 20266.93%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
First Mortgage - 10 Years	6.50%	0	6.621%	10 Years
Details Excellent credit (740+), single-family primary residence; Morris County, NJ maximum loan amount; call 973-576-2000 prompt #3 for alternate rates Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.62% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
First Mortgages	6.50%	0	6.621%	10 Years
Details up to $970,800 Last Updated 10/30/2026 Rate History 1 change since Sep 27, 2026 · 6.49% → 6.62% ▲ 0.13 pts · high 6.62% / low 6.49% Oct 6, 20266.62%▲ from 6.49% Sep 27, 20266.49%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
First Mortgage - 20 Years	6.50%	1	6.694%	20 Years
Details First Time Home Buyer Rate; Excellent credit (740+), single-family primary residence; Morris County, NJ maximum loan amount; call 973-576-2000 prompt #3 for alternate rates Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.69% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
First Mortgages	6.50%	1	6.694%	20 Years
Details up to $970,800; First Time Home Buyer Rate Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 6.69% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
First Mortgage - 20 Years	6.625%	0	6.695%	20 Years
Details First Time Home Buyer Rate; Excellent credit (740+), single-family primary residence; Morris County, NJ maximum loan amount; call 973-576-2000 prompt #3 for alternate rates Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.70% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
First Mortgages	6.625%	0	6.695%	20 Years
Details up to $970,800; First Time Home Buyer Rate Last Updated 10/30/2026 Rate History 3 changes since Sep 27, 2026 · 6.70% → 6.82% ▲ 0.13 pts · high 6.82% / low 6.70% Oct 30, 20266.82%▲ from 6.70% Oct 14, 20266.70%▼ from 6.82% Oct 6, 20266.82%▲ from 6.70% Sep 27, 20266.70%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
First Mortgage - 15 Years	6.625%	0	6.709%	15 Years
Details Excellent credit (740+), single-family primary residence; Morris County, NJ maximum loan amount; call 973-576-2000 prompt #3 for alternate rates Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.71% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
First Mortgages	6.625%	0	6.709%	15 Years
Details up to $970,800 Last Updated 10/30/2026 Rate History 1 change since Sep 27, 2026 · 6.59% → 6.71% ▲ 0.12 pts · high 6.71% / low 6.59% Oct 6, 20266.71%▲ from 6.59% Sep 27, 20266.59%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
First Mortgage - 10 Years	6.375%	1	6.714%	10 Years
Details Excellent credit (740+), single-family primary residence; Morris County, NJ maximum loan amount; call 973-576-2000 prompt #3 for alternate rates Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.71% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
First Mortgages	6.375%	1	6.714%	10 Years
Details up to $970,800 Last Updated 10/30/2026 Rate History 1 change since Sep 27, 2026 · 6.59% → 6.71% ▲ 0.13 pts · high 6.71% / low 6.59% Oct 6, 20266.71%▲ from 6.59% Sep 27, 20266.59%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Adjustable Rate 1st Mortgage - 5/1 Year ARM	6.00%	0	6.728%	30 Years
Details Conforming up to $970,800 (Morris County, NJ maximum); Jumbo ARM loans $417,000 and over: add 0.125% to stated rate Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 6.73% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
First Mortgage - 15 Years	6.50%	1	6.743%	15 Years
Details Excellent credit (740+), single-family primary residence; Morris County, NJ maximum loan amount; call 973-576-2000 prompt #3 for alternate rates Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
First Mortgages	6.50%	1	6.743%	15 Years
Details up to $970,800 Last Updated 10/30/2026 Rate History 1 change since Sep 27, 2026 · 6.62% → 6.74% ▲ 0.13 pts · high 6.74% / low 6.62% Oct 6, 20266.74%▲ from 6.62% Sep 27, 20266.62%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
First Mortgage Refinance - 15 Years	6.625%	0	6.75%	15 Years
Details Conforming refinance; APRs based on $200,000 loan, no fees, 30 days per diem interest; APRs are estimates and vary by loan amount Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
First Mortgages - Refinance	6.625%	0	6.75%	15 Years
Details Conforming refinance; APRs calculated on $200,000 loan, no fees, 30 days per diem interest; APRs are estimates and vary by loan amount Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 6.59% → 6.75% ▲ 0.16 pts · high 6.75% / low 6.59% Oct 14, 20266.75%▲ from 6.59% Sep 18, 20266.59%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
First Mortgage - 15 Years	6.375%	2	6.772%	15 Years
Details Excellent credit (740+), single-family primary residence; Morris County, NJ maximum loan amount; call 973-576-2000 prompt #3 for alternate rates Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.77% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
First Mortgages	6.375%	2	6.772%	15 Years
Details up to $970,800 Last Updated 10/30/2026 Rate History 1 change since Sep 27, 2026 · 6.64% → 6.77% ▲ 0.13 pts · high 6.77% / low 6.64% Oct 6, 20266.77%▲ from 6.64% Sep 27, 20266.64%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
First Mortgage - 10 Years	6.25%	2	6.806%	10 Years
Details Excellent credit (740+), single-family primary residence; Morris County, NJ maximum loan amount; call 973-576-2000 prompt #3 for alternate rates Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.81% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
First Mortgages	6.25%	2	6.806%	10 Years
Details up to $970,800 Last Updated 10/30/2026 Rate History 1 change since Sep 27, 2026 · 6.68% → 6.81% ▲ 0.13 pts · high 6.81% / low 6.68% Oct 6, 20266.81%▲ from 6.68% Sep 27, 20266.68%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
First Mortgage - 20 Years	6.50%	2	6.82%	20 Years
Details Excellent credit (740+), single-family primary residence; Morris County, NJ maximum loan amount; call 973-576-2000 prompt #3 for alternate rates Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.82% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
First Mortgages	6.50%	2	6.82%	20 Years
Details up to $970,800 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 6.82% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
First Mortgage - 20 Years	6.75%	0	6.822%	20 Years
Details Excellent credit (740+), single-family primary residence; Morris County, NJ maximum loan amount; call 973-576-2000 prompt #3 for alternate rates Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.82% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
First Mortgages	6.75%	0	6.822%	20 Years
Details up to $970,800 Last Updated 10/30/2026 Rate History 3 changes since Sep 27, 2026 · 6.70% → 6.82% ▲ 0.13 pts · high 6.82% / low 6.70% Oct 30, 20266.82%▲ from 6.70% Oct 30, 20266.70%▼ from 6.82% Oct 6, 20266.82%▲ from 6.70% Sep 27, 20266.70%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
First Mortgage - 20 Years	6.625%	1	6.823%	20 Years
Details Excellent credit (740+), single-family primary residence; Morris County, NJ maximum loan amount; call 973-576-2000 prompt #3 for alternate rates Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.82% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
First Mortgages	6.625%	1	6.823%	20 Years
Details up to $970,800 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 6.82% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Adjustable Rate 1st Mortgage - 5/5 Year ARM	6.25%	0	6.827%	30 Years
Details Conforming up to $970,800 (Morris County, NJ maximum); Jumbo ARM loans $417,000 and over: add 0.125% to stated rate Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 6.83% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Adjustable Rate 1st Mortgage - 3/3 Year ARM	6.25%	0	6.892%	30 Years
Details Conforming up to $970,800 (Morris County, NJ maximum); Jumbo ARM loans $417,000 and over: add 0.125% to stated rate Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 6.89% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
First Mortgage - 30 Years	6.75%	1	6.902%	30 Years
Details First Time Home Buyer Rate; Excellent credit (740+), single-family primary residence; Morris County, NJ maximum loan amount; call 973-576-2000 prompt #3 for alternate rates Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.90% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
First Mortgages	6.75%	1	6.902%	30 Years
Details up to $970,800; First Time Home Buyer Rate Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 6.90% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
First Mortgage - 30 Years	6.875%	0	6.931%	30 Years
Details First Time Home Buyer Rate; Excellent credit (740+), single-family primary residence; Morris County, NJ maximum loan amount; call 973-576-2000 prompt #3 for alternate rates Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.93% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
First Mortgages	6.875%	0	6.931%	30 Years
Details up to $970,800; First Time Home Buyer Rate Last Updated 10/30/2026 Rate History 2 changes since Sep 27, 2026 · 6.93% → 6.93% ▼ 0.00 pts · high 7.06% / low 6.93% Oct 14, 20266.93%▼ from 7.06% Oct 6, 20267.06%▲ from 6.93% Sep 27, 20266.93%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
First Mortgage - 30 Years	6.75%	2	6.999%	30 Years
Details Excellent credit (740+), single-family primary residence; Morris County, NJ maximum loan amount; call 973-576-2000 prompt #3 for alternate rates Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 7.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
First Mortgages	6.75%	2	6.999%	30 Years
Details up to $970,800 Last Updated 10/30/2026 Rate History No change since Oct 6, 2026 · 7.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
First Mortgage - 30 Years	6.875%	1	7.029%	30 Years
Details Excellent credit (740+), single-family primary residence; Morris County, NJ maximum loan amount; call 973-576-2000 prompt #3 for alternate rates Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 7.03% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
First Mortgages	6.875%	1	7.029%	30 Years
Details up to $970,800 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 7.03% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
First Mortgage - 30 Years	7.00%	0	7.058%	30 Years
Details Excellent credit (740+), single-family primary residence; Morris County, NJ maximum loan amount; call 973-576-2000 prompt #3 for alternate rates Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 7.06% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
First Mortgages	7.00%	0	7.058%	30 Years
Details up to $970,800 Last Updated 10/30/2026 Rate History 1 change since Sep 27, 2026 · 6.93% → 7.06% ▲ 0.13 pts · high 7.06% / low 6.93% Oct 6, 20267.06%▲ from 6.93% Sep 27, 20266.93%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%

Garden Savings Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Line of Credit - 10 Years	-	-	6.11%	10 Years
Details As Low As; Rate adjusts quarterly based on 6-Month T-Bill plus a margin. Rate quoted is "A-Paper" rate. Floor = 3.00%. Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.11% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Home Equity Lines of Credit - 10 Years	-	-	6.11%	10 Years
Details As Low As; Adjustments: Rate adjusts quarterly based on 6-Month T-Bill plus a margin. Rate quoted is "A-Paper" rate. Floor = 3.00%. Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.11% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Fixed Rate Home Equity Loans	6.25%	-	6.25%	5 Years
Details As Low As; Fixed Rate Home Equity Loans / Second Mortgages; CLTV ratios up to 90% and 100% may be available for qualified borrowers Last Updated 10/30/2026 Rate History No change since Oct 6, 2026 · 6.25% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Fixed Rate Home Equity Loans - 5 Years	6.25%	-	6.25%	5 Years
Details Rate As Low As; Home Equity Loans with CLTV ratios up to 90% and 100% may be available for qualified borrowers. Available in New Jersey, New York, and Pennsylvania. Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 6.25% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Fixed Rate Home Equity Loans	6.375%	-	6.375%	10 Years
Details As Low As; Fixed Rate Home Equity Loans / Second Mortgages; CLTV ratios up to 90% and 100% may be available for qualified borrowers Last Updated 10/30/2026 Rate History No change since Oct 6, 2026 · 6.38% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Fixed Rate Home Equity Loans - 10 Years	6.375%	-	6.375%	10 Years
Details Rate As Low As; Home Equity Loans with CLTV ratios up to 90% and 100% may be available for qualified borrowers. Available in New Jersey, New York, and Pennsylvania. Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 6.38% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Home Equity Line of Credit - 15 Years	-	-	6.50%	15 Years
Details As Low As; Rate adjusts every 6/30 & 12/31 based on Prime rate plus or minus a margin. Rate quoted is "A-Paper" rate. Floor=3.00%. Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Home Equity Line of Credit - 20 Years	-	-	6.50%	20 Years
Details As Low As; Rate adjusts every 6/30 & 12/31 based on the Prime Rate plus a margin. Rate quoted is "A-Paper" rate. Floor = 3%. High LTV >80% option available for qualified borrowers - contact a Loan Officer for current rates. Floor for high LTV loans = 4.50%. Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Home Equity Line of Credit - 30 Years	-	-	6.50%	30 Years
Details As Low As; Rate adjusts every 6/30 & 12/31 based on the Prime Rate plus a margin. Rate quoted is "A-Paper" rate. Floor = 3%. High LTV >80% option available for qualified borrowers - contact a Loan Officer for current rates. Floor for high LTV loans = 4.50%. Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Home Equity Lines of Credit - 15 Years	-	-	6.50%	15 Years
Details As Low As; Adjustments: Rate adjusts every 6/30 & 12/31 based on Prime rate plus or minus a margin. Rate quoted is "A-Paper" rate. Floor=3.00%. Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 6.25% → 6.50% ▲ 0.25 pts · high 6.50% / low 6.25% Oct 19, 20266.50%▲ from 6.25% Sep 14, 20266.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Home Equity Lines of Credit - 20 Years	-	-	6.50%	20 Years
Details As Low As; Adjustments: Rate adjusts every 6/30 & 12/31 based on the Prime Rate plus a margin. Rate quoted is "A-Paper" rate. Floor = 3%. High LTV >80% option available for qualified borrowers - contact a Loan Officer for current rates. Floor for high LTV loans = 4.50%. Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 6.25% → 6.50% ▲ 0.25 pts · high 6.50% / low 6.25% Oct 19, 20266.50%▲ from 6.25% Sep 14, 20266.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Home Equity Lines of Credit - 30 Years	-	-	6.50%	30 Years
Details As Low As; Adjustments: Rate adjusts every 6/30 & 12/31 based on the Prime Rate plus a margin. Rate quoted is "A-Paper" rate. Floor = 3%. High LTV >80% option available for qualified borrowers - contact a Loan Officer for current rates. Floor for high LTV loans = 4.50%. Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 6.25% → 6.50% ▲ 0.25 pts · high 6.50% / low 6.25% Oct 19, 20266.50%▲ from 6.25% Sep 14, 20266.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Fixed Rate Home Equity Loans	6.625%	-	6.625%	15 Years
Details As Low As; Fixed Rate Home Equity Loans / Second Mortgages; CLTV ratios up to 90% and 100% may be available for qualified borrowers Last Updated 10/30/2026 Rate History No change since Oct 6, 2026 · 6.63% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Fixed Rate Home Equity Loans - 15 Years	6.625%	-	6.625%	15 Years
Details Rate As Low As; Home Equity Loans with CLTV ratios up to 90% and 100% may be available for qualified borrowers. Available in New Jersey, New York, and Pennsylvania. Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 6.63% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Fixed Rate Home Equity Loans	6.875%	-	6.875%	20 Years
Details As Low As; Fixed Rate Home Equity Loans / Second Mortgages; CLTV ratios up to 90% and 100% may be available for qualified borrowers Last Updated 10/30/2026 Rate History No change since Oct 6, 2026 · 6.88% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Fixed Rate Home Equity Loans - 20 Years	6.875%	-	6.875%	20 Years
Details Rate As Low As; Home Equity Loans with CLTV ratios up to 90% and 100% may be available for qualified borrowers. Available in New Jersey, New York, and Pennsylvania. Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 6.88% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%

Garden Savings Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Vehicle Loan - 24 Months	-	-	4.24%	24 Months
Details As Low As; 100% Financing, including Tax, Title and Registration. Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 4.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
New Vehicle Loans	-	-	4.24%	24 Months
Details As Low As; 100% Financing, including Tax, Title and Registration. Last Updated 10/30/2026 Rate History No change since Oct 6, 2026 · 4.24% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
New Vehicle Loan - 36 Months	-	-	4.49%	36 Months
Details As Low As; 100% Financing, including Tax, Title and Registration. Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 4.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
New Vehicle Loans	-	-	4.49%	36 Months
Details As Low As; 100% Financing, including Tax, Title and Registration. Last Updated 10/30/2026 Rate History No change since Oct 6, 2026 · 4.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
New Vehicle Loan - 48 Months	-	-	4.74%	48 Months
Details As Low As; 100% Financing, including Tax, Title and Registration. Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 4.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
New Vehicle Loans	-	-	4.74%	48 Months
Details As Low As; 100% Financing, including Tax, Title and Registration. Last Updated 10/30/2026 Rate History No change since Oct 6, 2026 · 4.74% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
New Vehicle Loan - 60 Months	-	-	4.99%	60 Months
Details As Low As; 100% Financing, including Tax, Title and Registration. Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 4.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
New Vehicle Loans	-	-	4.99%	60 Months
Details As Low As; 100% Financing, including Tax, Title and Registration. Last Updated 10/30/2026 Rate History No change since Oct 6, 2026 · 4.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
New Vehicle Loan - 72 Months	-	-	5.24%	72 Months
Details As Low As; 100% Financing, including Tax, Title and Registration.; A minimum of $12,000.00 financing is required for a term of 72 Months. Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 5.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
New Vehicle Loan - 84 Months	-	-	5.24%	84 Months
Details As Low As; 100% Financing, including Tax, Title and Registration. Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 5.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
New Vehicle Loans	-	-	5.24%	72 Months
Details As Low As; 100% Financing, including Tax, Title and Registration.; A minimum of $12,000.00 financing is required for New Vehicle Loans with a term of 72 Months. Last Updated 10/30/2026 Rate History No change since Oct 6, 2026 · 5.24% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
New Vehicle Loans	-	-	5.24%	84 Months
Details As Low As; 100% Financing, including Tax, Title and Registration. Last Updated 10/30/2026 Rate History No change since Oct 6, 2026 · 5.24% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%

Garden Savings Federal Credit Union Credit Card Rates

Product	Rate	APR
Premier Rate Mastercard	-	8.00%
Details As Low As; APR range 8.00%-18.00% for purchases, balance transfers and cash advances; rate determined by credit score and creditworthiness Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 8.00% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
CashBack Plus Mastercard	-	14.75%
Details As Low As; Variable APR range 14.75%-18.00% for Purchases, Balance Transfers and Cash Advances; rate determined by credit score and creditworthiness; tied to the Prime Rate as published by the Wall Street Journal plus an index Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 14.75% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%

Garden Savings Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Loan (including Debt Consolidation)	10.99%
Details As Low As; Personal Loans; Rates Determined by Credit Worthiness. All rates quoted are best rate available. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 10.99% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%

Garden Savings Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Credit Builder Loan	-	-	2.80%
Details As Low As; Personal Loans; Rates Determined by Credit Worthiness. All rates quoted are best rate available. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 2.80% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
First Mortgage Refinance - 10 Years	6.50%	0	6.621%	10 Years
Details Conforming refinance; APRs based on $200,000 loan, no fees, 30 days per diem interest; APRs are estimates and vary by loan amount Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.62% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
First Mortgage Refinance - 20 Years	6.75%	0	6.822%	20 Years
Details Conforming refinance; APRs based on $200,000 loan, no fees, 30 days per diem interest; APRs are estimates and vary by loan amount Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.82% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
First Mortgage Refinance - 30 Years	7.00%	0	7.058%	30 Years
Details Conforming refinance; APRs based on $200,000 loan, no fees, 30 days per diem interest; APRs are estimates and vary by loan amount Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 7.06% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
First Mortgages - Refinance	7.00%	0	7.058%	30 Years
Details Conforming refinance; APRs calculated on $200,000 loan, no fees, 30 days per diem interest; APRs are estimates and vary by loan amount Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 6.93% → 7.06% ▲ 0.13 pts · high 7.06% / low 6.93% Oct 14, 20267.06%▲ from 6.93% Sep 18, 20266.93%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
First Mortgages - Refinance	6.75%	0	6.822%	20 Years
Details Conforming refinance; APRs calculated on $200,000 loan, no fees, 30 days per diem interest; APRs are estimates and vary by loan amount Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 6.70% → 6.82% ▲ 0.13 pts · high 6.82% / low 6.70% Oct 14, 20266.82%▲ from 6.70% Sep 18, 20266.70%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
First Mortgages - Refinance	6.50%	0	6.621%	10 Years
Details Conforming refinance; APRs calculated on $200,000 loan, no fees, 30 days per diem interest; APRs are estimates and vary by loan amount Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 6.49% → 6.62% ▲ 0.13 pts · high 6.62% / low 6.49% Oct 14, 20266.62%▲ from 6.49% Sep 18, 20266.49%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Holiday Loan	-	-	9.25%
Details As Low As; Personal Loans; Rates Determined by Credit Worthiness. All rates quoted are best rate available. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 9.25% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Vacation Loan	-	-	9.25%
Details As Low As; Personal Loans; Rates Determined by Credit Worthiness. All rates quoted are best rate available. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 9.25% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
IRA 55+	2.47%	-	2.50%
Min Balance $10,000 Details $10,000 and above; Balance: $10,000 and above; Consult a tax advisor. See Truth In Savings Disclosure for full terms and conditions. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 2.50% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
IRA 55+	0.25%	-	0.25%
Details Up to $9,999.99; Balance: Up to $9,999.99; Consult a tax advisor. See Truth In Savings Disclosure for full terms and conditions. Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 0.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
IRA Accumulator	0.60%	-	0.60%
Min Balance $40,000 Details Balance: $40,000+ Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.60% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
IRA Accumulator	0.50%	-	0.50%
Details Balance: Less than $40,000 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Garden Savings Federal Credit Union’s Texas Ratio rose from 6.71% in Q3 2023 to 10.13% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$496M	10.13%	5.0	A
March 31, 2026	$495M	10.38%	5.0	A
December 31, 2025	$493M	10.68%	5.0	A
September 30, 2025	$499M	8.45%	5.0	A
June 30, 2025	$508M	7.56%	5.0	A
March 31, 2025	$512M	7.56%	5.0	A
December 31, 2024	$430M	9.08%	5.0	A
September 30, 2024	$436M	7.89%	5.0	A
June 30, 2024	$437M	5.58%	5.0	A+
March 31, 2024	$429M	4.72%	5.0	A+
December 31, 2023	$433M	6.28%	5.0	A
September 30, 2023	$427M	6.71%	5.0	A

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Garden Savings Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member 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 credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Garden Savings Federal Credit Union 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 Garden Savings Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Garden Savings Federal Credit Union

Website http://gardensavingsfcu.org

Address 129 Littleton Rd, Parsippany, NJ 07054-1869

Phone 973-576-2000

Fax 973-402-0736

President Paul Mercer

CEO Michael Powers

Full-Time Employees 75

Part-Time Employees 7

Branch Locations 7

ATM Locations 7

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (95/100)

Texas Ratio

10.13%

Return on Assets (ROA)

0.1301%

Return on Equity (ROE)

1.5384%

Non-Performing Loans Ratio (NPL)

1.29%

Total Assets

495,502,810

Total Amount of Shares and Deposits

423,282,605

Total Shares and Deposits < 1 Year

391,736,326

Total Shares and Deposits 1 3 Years

28,654,041

Total Shares and Deposits > 3 Years

2,892,238

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

10,081,263

Total Uninsured Shares and Deposits > $250K (F+J)

10,081,263

Total Insured Shares and Deposits > $250K (item 17 less item K)

413,201,342

Total Interest Expense (Sum of items 6 8)

4,531,599

Share Certificates

3,363

Number of Accounts for Share Drafts

14,820

IRA KEOGH Accounts

1,523

Number of Accounts for Regular Shares

34,690

All other shares

1,702

Non Member Deposits

Money Market Shares

331

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

4,027,828

Total Liabilities

460,063,362

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Garden Savings Federal Credit Union earned the Verified Healthy badge

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Customer Reviews

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Frequently Asked Questions About Garden Savings Federal Credit Union

Does Garden Savings Federal Credit Union offer CDs?

Yes. Garden Savings Federal Credit Union current CD rates include its CDs - 13 month at 4.25% APY, its CDs - 12 month at 4.05% APY and its CDs - 6 month at 3.50% APY, verified by MonitorBankRates as of October 30, 2026.

Are CDs from Garden Savings Federal Credit Union NCUA insured?

Yes. Garden Savings Federal Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Garden Savings Federal Credit Union?

The highest Garden Savings Federal Credit Union CD rate is its CDs - 13 month at 4.25% APY, verified by MonitorBankRates as of October 30, 2026.

What CD terms does Garden Savings Federal Credit Union offer?

Garden Savings Federal Credit Union CD rates are 3.50% APY for a 6 month CD, 3.50% APY for a 7 month CD, 4.05% APY for a 12 month CD, 4.25% APY for a 13 month CD, 3.25% APY for an 18 month CD, 3.00% APY for a 2 year CD and 3.00% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Garden Savings Federal Credit Union for its full lineup.

What is the highest savings rate at Garden Savings Federal Credit Union?

The highest Garden Savings Federal Credit Union savings rate is its Accelerate Savings at 3.75% APY, verified by MonitorBankRates as of October 30, 2026.

What is the highest money market rate at Garden Savings Federal Credit Union?

The highest Garden Savings Federal Credit Union money market rate is its Better Business Money Market at 3.00% APY, verified by MonitorBankRates as of October 30, 2026.

What is the highest checking rate at Garden Savings Federal Credit Union?

The highest Garden Savings Federal Credit Union checking rate is its Platinum Checking at 5.00% APY, verified by MonitorBankRates as of October 30, 2026.

What is the lowest mortgage rate at Garden Savings Federal Credit Union?

The lowest Garden Savings Federal Credit Union mortgage rate is its First Mortgage - 10 Years at 5.50%, verified by MonitorBankRates as of October 30, 2026. Garden Savings Federal Credit Union mortgage rates are 6.00% for a 30 year mortgage, 5.75% for a 20 year mortgage, 5.625% for a 15 year mortgage, 5.50% for a 10 year mortgage, 6.25% for a 5 year mortgage, 6.25% for a 3 year mortgage and 6.00% for a 1 year mortgage.

What is the lowest auto loan rate at Garden Savings Federal Credit Union?

The lowest Garden Savings Federal Credit Union auto loan rate is its New Vehicle Loan - 24 Months at 4.24% APR, verified by MonitorBankRates as of October 30, 2026. Garden Savings Federal Credit Union auto loan rates are 4.24% APR for a 24 month auto loan, 4.49% APR for a 36 month auto loan, 4.74% APR for a 48 month auto loan, 4.99% APR for a 60 month auto loan, 5.24% APR for a 72 month auto loan and 5.24% APR for an 84 month auto loan.

What is the lowest personal loan rate at Garden Savings Federal Credit Union?

The lowest Garden Savings Federal Credit Union personal loan rate is its Personal Loan (including Debt Consolidation) at 10.99% APR, verified by MonitorBankRates as of October 30, 2026.

What is the lowest credit card APR at Garden Savings Federal Credit Union?

The lowest Garden Savings Federal Credit Union credit card APR is its Premier Rate Mastercard Credit Card at 8.00% APR, verified by MonitorBankRates as of October 30, 2026.

How many branches does Garden Savings Federal Credit Union operate?

Garden Savings Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Garden Savings Federal Credit Union?

Yes, to access services at Garden Savings Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Garden Savings Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Garden Savings Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Garden Savings Federal Credit Union offer online and mobile banking?

Most modern institutions like Garden Savings Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: http://gardensavingsfcu.org.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Garden Savings Federal Credit Union rates compare?

Garden Savings Federal Credit Union's CD rates are 10% higher than the MonitorBankRates national average, and it has an A health rating. Garden Savings Federal Credit Union's top rates are its CDs - 13 month at 4.25% APY, its Accelerate Savings at 3.75% APY, its Better Business Money Market at 3.00% APY, its Platinum Checking at 5.00% APY, its First Mortgage - 10 Years at 5.50%, its Personal Loan (including Debt Consolidation) at 10.99% APR and its Premier Rate Mastercard Credit Card at 8.00% APR, verified by MonitorBankRates on October 30, 2026.

Current Garden Savings Federal Credit Union Rates

12-Month CD4.00%
18-Month CD3.25%
24-Month CD3.00%
60-Month CD3.00%
Savings3.75%
MMA3.00%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Garden Savings Federal Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Garden Savings Federal Credit Union Texas Ratio

Garden Savings Federal Credit Union Health Trend

Garden Savings Federal Credit Union CD Rates

Garden Savings Federal Credit Union Savings Rates

Garden Savings Federal Credit Union Business Savings Rates

Garden Savings Federal Credit Union Money Market Rates

Garden Savings Federal Credit Union Business Money Market Rates

Garden Savings Federal Credit Union Checking Rates

Garden Savings Federal Credit Union Business Checking Rates

Garden Savings Federal Credit Union Mortgage Rates

Garden Savings Federal Credit Union Home Equity & HELOC

Garden Savings Federal Credit Union Auto Loan Rates

Garden Savings Federal Credit Union Credit Card Rates

Garden Savings Federal Credit Union Personal Loan Rates

Garden Savings Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Garden Savings Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Garden Savings Federal Credit Union

Does Garden Savings Federal Credit Union offer CDs?

Are CDs from Garden Savings Federal Credit Union NCUA insured?

What is the highest CD rate at Garden Savings Federal Credit Union?

What CD terms does Garden Savings Federal Credit Union offer?

What is the highest savings rate at Garden Savings Federal Credit Union?

What is the highest money market rate at Garden Savings Federal Credit Union?

What is the highest checking rate at Garden Savings Federal Credit Union?

What is the lowest mortgage rate at Garden Savings Federal Credit Union?

What is the lowest auto loan rate at Garden Savings Federal Credit Union?

What is the lowest personal loan rate at Garden Savings Federal Credit Union?

What is the lowest credit card APR at Garden Savings Federal Credit Union?

How many branches does Garden Savings Federal Credit Union operate?

Is a member application needed to join Garden Savings Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Garden Savings Federal Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Garden Savings Federal Credit Union rates compare?

Current Garden Savings Federal Credit Union Rates

Compare to Other Credit Unions