What are the current interest rates at Garden Savings FCU?

Current rates for Garden Savings FCU include: 12-Month CD: 3.90%, 18-Month CD: 3.25%, 24-Month CD: 3.00%, 60-Month CD: 3.00%, Savings: 0.05%, MMA: 0.30%

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Garden Savings FCU

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Garden Savings FCU Rates & Review September 2026

Q: How many branches does Garden Savings FCU operate?

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

Q: Is a member application needed to join Garden Savings FCU?

Yes, to access services at Garden Savings FCU, 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.

Q: Is there a first-time homebuyer program?

Currently, Garden Savings FCU 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.

Q: Are credit management and repair services offered?

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

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 22, 2026

Garden Savings FCU's 12 Month Special Promotional CDs rates are at 4.00%, 12 Month CDs rates are at 3.90%, 6 Month CDs rates are at 3.50%, 18 Month CDs rates are at 3.25%, 2 Year CDs rates are at 3.00%. Garden Savings FCU's savings rates are at 0.05%. Garden Savings FCU's money market rates are at 0.30%. Garden Savings FCU's First Mortgages (New Purchases rates are at 5.75%, First Mortgages - Refinance - 10 Years Loan rates are at 5.75%, First Mortgages (New Purchases rates are at 5.75%, First Mortgages (New Purchases rates are at 5.88%, First Mortgages (New Purchases rates are at 5.62%. Garden Savings FCU's Personal Loan Rates are as low as 10.99%. Garden Savings FCU's Credit Card Rates are at 8.00%. MonitorBankRates evaluates the financial stability of Garden Savings FCU with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 10.38%. Rates last updated and verified on 09/22/2026.

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

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

10.38%

Excellent Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

Garden Savings FCU
Main

129 Littleton Rd
Parsippany, NJ 07054-1869

http://gardensavingsfcu.org

Garden Savings FCU CD Rates

Product	Rate	APY	Term
12 Month Special Promotional Share Certificates	3.93%	4.00%	12 Months
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.38%
12 Month Share Certificates	3.83%	3.90%	12 Months
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.38%
6 Month Share Certificates	3.50%	3.50%	6 Months
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.38%
18 Month Share Certificates	3.20%	3.25%	18 Months
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.38%
2 Year Share Certificates	2.96%	3.00%	2 Years
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.38%
3 Year Share Certificates	2.96%	3.00%	3 Years
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.38%
4 Year Share Certificates	2.96%	3.00%	4 Years
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.38%
5 Year Share Certificates	2.96%	3.00%	5 Years
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.38%
7 Month Share Certificates	2.75%	2.75%	7 Months
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.38%
8 Month Share Certificates	2.75%	2.75%	8 Months
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.38%
9 Month Share Certificates	2.75%	2.75%	9 Months
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.38%
3 Month Share Certificates	1.75%	1.75%	3 Months
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.38%
4 Month Share Certificates	1.75%	1.75%	4 Months
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.38%
5 Month Share Certificates	1.75%	1.75%	5 Months
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.38%
30 Day Share Certificates	0.30%	0.30%	30 Days
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.38%

Garden Savings FCU 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) Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.38%
Accelerate Savings	1.00%	1.00%
Min Balance $15,000 Details Balance: on funds in excess of $15,000 (average balance) Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.38%
Accelerate Savings	0.90%	0.90%
Min Balance $50,000 Details Balance: $50,000+ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.38%
Business Accelerate Savings	0.70%	0.70%
Min Balance $500,000 Details Balance: $500,000-999,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.38%
Business Accelerate Savings	0.70%	0.70%
Min Balance $1,000,000 Details Balance: $1,000,000 and up Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.38%
Accelerate Savings	0.55%	0.55%
Min Balance $30,000 Details Balance: $30,000 - $49,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.38%
Business Accelerate Savings	0.50%	0.50%
Min Balance $200,000 Details Balance: $200,000- 249,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.38%
Business Accelerate Savings	0.50%	0.50%
Min Balance $250,000 Details Balance: $250,000-499,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.38%
High Yield Savings	0.50%	0.50%
Min Balance $2,500 Details Balance: $2,500+ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.38%
Accelerate Savings	0.45%	0.45%
Min Balance $15,000 Details Balance: $15,000 - $29,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.38%
Business Accelerate Savings	0.45%	0.45%
Min Balance $100,000 Details Balance: $100,000-199,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.38%
Accelerate Savings	0.40%	0.40%
Min Balance $1,000 Details Balance: $1,000 - $14,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.38%
Business Accelerate Savings	0.40%	0.40%
Min Balance $50,000 Details Balance: $50,000-99,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.38%
Business Accelerate Savings	0.30%	0.30%
Min Balance $10,000 Details Balance: $10,000-49,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.38%
High Yield Savings	0.30%	0.30%
Min Balance $1,000 Details Balance: $1,000 - $2,499.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.38%
Vacation Club	0.10%	0.10%
Details N/A Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.38%
Business Savings	0.05%	0.05%
Details No monthly service charges. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.38%
Member Savings	0.05%	0.05%
Min Balance $250 Details minimum balance required to earn dividends. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.38%

Garden Savings FCU Money Market Rates

Product	Rate	APY
Platinum Money Market	3.06%	3.10%
Min Balance $1,000,000 Details Balance: $1,000,000+ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.38%
Better Business Money Market	2.96%	3.00%
Min Balance $1,000,000 Details Balance: $1,000,000 and up Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.38%
Platinum Money Market	2.81%	2.85%
Min Balance $500,000 Details Balance: $500,000 - $999,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.38%
Better Business Money Market	2.72%	2.75%
Min Balance $500,000 Details Balance: $500,000-999,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.38%
Platinum Money Market	2.57%	2.60%
Min Balance $250,000 Details Balance: $250,000 - $499,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.38%
Better Business Money Market	2.47%	2.50%
Min Balance $250,000 Details Balance: $250,000-499,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.38%
Platinum Money Market	2.08%	2.10%
Min Balance $200,000 Details Balance: $200,000 - $249,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.38%
Better Business Money Market	1.98%	2.00%
Min Balance $200,000 Details Balance: $200,000- 249,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.38%
Platinum Money Market	1.83%	1.85%
Min Balance $100,000 Details Balance: $100,000 - $199,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.38%
Better Business Money Market	1.74%	1.75%
Min Balance $100,000 Details Balance: $100,000-199,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.38%
Platinum Money Market	1.59%	1.60%
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.38%
Better Business Money Market	1.49%	1.50%
Min Balance $50,000 Details Balance: $50,000-99,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.38%
Platinum Money Market	1.34%	1.35%
Min Balance $10,000 Details Balance: $10,000 - $49,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.38%
Better Business Money Market	1.24%	1.25%
Min Balance $10,000 Details Balance: $10,000-49,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.38%
Money Market	0.90%	0.90%
Min Balance $50,000 Details Balance: $50,000+ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.38%
Business Money Market	0.70%	0.70%
Min Balance $500,000 Details Balance: $500,000-999,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.38%
Business Money Market	0.70%	0.70%
Min Balance $1,000,000 Details Balance: $1,000,000 and up Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.38%
Money Market	0.55%	0.55%
Min Balance $30,000 Details Balance: $30,000 - $49,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.38%
Business Money Market	0.50%	0.50%
Min Balance $200,000 Details Balance: $200,000- 249,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.38%
Business Money Market	0.50%	0.50%
Min Balance $250,000 Details Balance: $250,000-499,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.38%
Platinum Money Market	0.50%	0.50%
Min Balance $5,000 Details Balance: $5,000 - $9,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.38%
Business Money Market	0.45%	0.45%
Min Balance $100,000 Details Balance: $100,000-199,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.38%
Money Market	0.45%	0.45%
Min Balance $15,000 Details Balance: $15,000 - $29,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.38%
Business Money Market	0.40%	0.40%
Min Balance $50,000 Details Balance: $50,000-99,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.38%
Money Market	0.40%	0.40%
Min Balance $1,000 Details Balance: $1,000 - $14,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.38%
Business Money Market	0.30%	0.30%
Min Balance $10,000 Details Balance: $10,000-49,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.38%

Garden Savings FCU Checking Rates

Product	Rate	APY
Platinum Checking	4.89%	5.00%
Details Qualifications Required: Must be enrolled in e-statements; Must complete a minimum of 12 point-of-sale transactions of at least $5 per transaction prior to the end of the BUSINESS CALENDAR month; Must have either direct deposit of regular pay or a minimum of 1 ACH debit from account per month.; On the first $15,000 on deposit in the account (average balance), if all qualifiers met. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.38%
Platinum Checking	0.15%	0.15%
Details Qualifications Required: Must be enrolled in e-statements; Must complete a minimum of 12 point-of-sale transactions of at least $5 per transaction prior to the end of the BUSINESS CALENDAR month; Must have either direct deposit of regular pay or a minimum of 1 ACH debit from account per month.; On funds in excess of $15,000 (average balance), if all qualifiers met. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.38%
Platinum Checking	0.01%	0.01%
Details Qualifications Required: Must be enrolled in e-statements; Must complete a minimum of 12 point-of-sale transactions of at least $5 per transaction prior to the end of the BUSINESS CALENDAR month; Must have either direct deposit of regular pay or a minimum of 1 ACH debit from account per month.; On all funds if qualifiers are not met. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.38%

Garden Savings FCU Mortgage Rates

Product	Rate	Points	APR	Term
First Mortgages (New Purchases	5.75%	0	5.86%	10 Years
Details up to $970,800 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.38%
First Mortgages - Refinance - 10 Years Loan	5.75%	0	5.86%	10 years
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.38%
First Mortgages (New Purchases	5.75%	1 - First Time Home Buyer Rate	5.93%	20 Years
Details up to $970,800; Additional APR listed for this product: 6.053%. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.38%
First Mortgages (New Purchases	5.88%	0 - First Time Home Buyer Rate	5.94%	20 Years
Details up to $970,800; Additional APR listed for this product: 6.058%. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.38%
First Mortgages (New Purchases	5.63%	1	5.95%	10 Years
Details up to $970,800 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.38%
First Mortgages (New Purchases	5.88%	0	5.95%	15 Years
Details up to $970,800 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.38%
First Mortgages - Refinance - 15 Years Loan	5.88%	0	5.95%	15 years
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.38%
First Mortgages (New Purchases	5.75%	1	5.98%	15 Years
Details up to $970,800 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.38%
5/1 Year ARM	5.50%	0	5.99%	30 Years
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.38%
First Mortgages (New Purchases	5.63%	2	6.00%	15 Years
Details up to $970,800 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.38%
First Mortgages (New Purchases	5.50%	2	6.04%	10 Years
Details up to $970,800 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.38%
5/5 Year ARM	5.75%	0	6.06%	30 Years
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.38%
First Mortgages (New Purchases	6.00%	0	6.06%	20 Years
Details up to $970,800 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.38%
First Mortgages - Refinance - 20 Years Loan	6.00%	0	6.06%	20 years
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.38%
First Mortgages (New Purchases	6.00%	1 - First Time Home Buyer Rate	6.14%	30 Years
Details up to $970,800; Additional APR listed for this product: 6.232%. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.38%
First Mortgages (New Purchases	6.13%	0 - First Time Home Buyer Rate	6.17%	30 Years
Details up to $970,800; Additional APR listed for this product: 6.266%. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.38%
First Mortgages (New Purchases	6.25%	0	6.30%	30 Years
Details up to $970,800 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.38%
First Mortgages - Refinance - 30 Years Loan	6.25%	0	6.30%	30 years
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.38%
3/3 Year ARM	5.75%	0	6.42%	30 Years
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.38%
First Mortgages (New Purchases	6.38%	0	6.49%	10 Years
Details up to $970,800 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.38%
First Mortgages - Refinance - 10 Years Loan	6.38%	0	6.49%	10 years
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.38%
First Mortgages (New Purchases	6.38%	1 - First Time Home Buyer Rate	6.57%	20 Years
Details up to $970,800; Additional APR listed for this product: 6.692%. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.38%
First Mortgages (New Purchases	6.50%	0 - First Time Home Buyer Rate	6.57%	20 Years
Details up to $970,800; Additional APR listed for this product: 6.694%. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.38%
First Mortgages (New Purchases	6.50%	0	6.59%	15 Years
Details up to $970,800 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.38%
First Mortgages (New Purchases	6.25%	1	6.59%	10 Years
Details up to $970,800 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.38%
First Mortgages - Refinance - 15 Years Loan	6.50%	0	6.59%	15 years
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.38%
First Mortgages (New Purchases	6.38%	1	6.62%	15 Years
Details up to $970,800 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.38%
First Mortgages (New Purchases	6.25%	2	6.64%	15 Years
Details up to $970,800 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.38%
First Mortgages (New Purchases	6.13%	2	6.68%	10 Years
Details up to $970,800 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.38%
First Mortgages (New Purchases	6.63%	0	6.70%	20 Years
Details up to $970,800 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.38%
First Mortgages - Refinance - 20 Years Loan	6.63%	0	6.70%	20 years
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.38%
5/1 Year ARM	6.00%	0	6.73%	30 Years
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.38%
First Mortgages (New Purchases	6.63%	1 - First Time Home Buyer Rate	6.78%	30 Years
Details up to $970,800; Additional APR listed for this product: 6.871%. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.38%
First Mortgages (New Purchases	6.75%	0 - First Time Home Buyer Rate	6.81%	30 Years
Details up to $970,800; Additional APR listed for this product: 6.902%. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.38%
5/5 Year ARM	6.25%	0	6.83%	30 Years
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.38%
3/3 Year ARM	6.25%	0	6.89%	30 Years
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.38%
First Mortgages (New Purchases	6.88%	0	6.93%	30 Years
Details up to $970,800 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.38%
First Mortgages - Refinance - 30 Years Loan	6.88%	0	6.93%	30 years
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.38%

Garden Savings FCU Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Line of Credit	-	-	4.99%
Details Promotional Rate Limited Time Only: 4.99% APR on any Home Equity Line-of-Credit for the first six months. Your rate will be based upon your credit score, term of loan and Loan to Value ratio (LTV). Floor Rates and other conditions may apply. Minimum Rate = 3.00% APR for LTVs up to 80% and 4.50% for LTVs greater than 80%. 100% LTV Home Equity Loans are available. Specific terms and restrictions apply. Contact a loan officer for more details. Only available in NJ, NY and PA. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.38%
Home Equity Lines of Credit	-	-	5.48%	10 Years
Details Additional APR listed for this product: 5.73%. Rate adjusts quarterly based on 6-Month T-Bill plus a margin. Rate quoted is "A-Paper" rate. Floor = 3.00%. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.38%
Home Equity Lines of Credit	-	-	5.73%	10 Years
Details Rate adjusts quarterly based on 6-Month T-Bill plus a margin. Rate quoted is "A-Paper" rate. Floor = 3.00%. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.38%
2nd Mortgage Fixed (Fixed Rate Home Equity Loans)	6.00%	-	6.00%	5 Years
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.38%
Home Equity "A" Paper Rate (FICO 730	6.13%	-	6.13%	10 Years
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.38%
Home Equity Lines of Credit	-	-	6.25%	15 Years
Details 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 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.38%
Home Equity Lines of Credit	-	-	6.25%	20 Years
Details 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 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.38%
Home Equity Lines of Credit	-	-	6.25%	30 Years
Details 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 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.38%
Home Equity "A" Paper Rate	6.38%	-	6.38%	15 Years
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.38%
Home Equity "A" Paper Rate	6.63%	-	6.63%	20 Years
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.38%

Garden Savings FCU Auto Loan Rates

Product	Rate	Points	APR	Term
New Vehicle Loans	-	-	4.24%	6 - 35 Months
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.38%
New Vehicle Loans	-	-	4.49%	36 - 47 Months
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.38%
New Vehicle Loans	-	-	4.74%	48 - 59 Months
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.38%
New Vehicle Loans	-	-	4.99%	60 - 71 Months*
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.38%
Used Vehicle Loans	-	-	4.99%	6 - 35 Months
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.38%
New Vehicle Loans	-	-	5.24%	72 - 84 Months*
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.38%
Used Vehicle Loans	-	-	5.24%	36 - 47 Months
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.38%
Used Vehicle Loans	-	-	5.49%	48 - 59 Months**
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.38%
Used Vehicle Loans	-	-	5.74%	60 - 71 Months**
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.38%
Used Vehicle Loans	-	-	5.99%	72 - 83 Months**
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.38%
Used Vehicle Loans	-	-	6.49%	84 months
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.38%

Garden Savings FCU Credit Card Rates

Product	Rate	APR
Premier Rate Mastercard	-	8.00%
Details Published APR range: 8.00%-18.00%*. APR for Purchases Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.38%
CashBack Plus Mastercard	-	14.75%
Details Published APR range: 14.75%-18.00%. Intro rate expires: 12 months; Regular APR: 14.75%-18.00% Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.38%

Garden Savings FCU Personal Loan Rates

Product	APR	Term	View More
Personal Loan (including Debt Consolidation)	10.99%
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.38%

Garden Savings FCU Other Rates

Product	Rate	Points	APY/APR
Credit Builder Loan	-	-	2.80%
Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.38%
Holiday Loan	-	-	9.25%
Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.38%
Vacation Loan	-	-	9.25%
Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.38%
IRA 55+	0.25%	-	0.25%
Min Balance $0 Details Balance: Up to $9,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.38%
IRA 55+	2.47%	-	2.50%
Min Balance $10,000 Details Balance: $10,000 and above Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.38%
IRA Accumulator	0.50%	-	0.50%
Min Balance $0 Details Balance: Less than $40,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.38%
IRA Accumulator	0.60%	-	0.60%
Min Balance $40,000 Details Balance: $40,000+ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.38%

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.
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Financial Health History

Garden Savings FCU’s Texas Ratio rose from 4.60% in Q2 2023 to 10.38% in Q1 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. 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
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
June 30, 2023	$426M	4.60%	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 FCU 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 FCU 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 FCU's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Garden Savings FCU

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 73

Part-Time Employees 7

Branch Locations 6

ATM Locations 6

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

10.38%

Return on Assets (ROA)

0.1038%

Return on Equity (ROE)

1.2301%

Non-Performing Loans Ratio (NPL)

1.34%

Total Assets

494,779,308

Total Amount of Shares and Deposits

434,583,014

Total Shares and Deposits < 1 Year

406,160,714

Total Shares and Deposits 1 3 Years

24,757,915

Total Shares and Deposits > 3 Years

3,664,385

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

10,340,343

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

10,340,343

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

424,242,671

Total Interest Expense (Sum of items 6 8)

2,261,971

Share Certificates

3,410

Number of Accounts for Share Drafts

14,766

IRA KEOGH Accounts

1,554

Number of Accounts for Regular Shares

35,155

All other shares

1,721

Non Member Deposits

Money Market Shares

339

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)

6,386,542

Total Liabilities

459,260,391

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Garden Savings FCU earned the Verified Healthy badge

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Customer Reviews

There are no reviews for Garden Savings FCU yet. Feel free to create one below.

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Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Garden Savings FCU

Frequently Asked Questions About Garden Savings FCU

How many branches does Garden Savings FCU operate?

Garden Savings FCU 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 FCU?

Yes, to access services at Garden Savings FCU, 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 FCU 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 FCU provides members with tools to manage their accounts and build a solid financial history.

Does Garden Savings FCU offer online and mobile banking?

Most modern institutions like Garden Savings FCU 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.

Current Garden Savings FCU Rates

12-Month CD3.90%
18-Month CD3.25%
24-Month CD3.00%
60-Month CD3.00%
Savings0.05%
MMA0.30%

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

Compare to Other Credit Unions

Garden Savings FCU Rates & Review September 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Garden Savings FCU Texas Ratio

Garden Savings FCU Health Trend

Garden Savings FCU CD Rates

Garden Savings FCU Savings Rates

Garden Savings FCU Money Market Rates

Garden Savings FCU Checking Rates

Garden Savings FCU Mortgage Rates

Garden Savings FCU Home Equity & HELOC

Garden Savings FCU Auto Loan Rates

Garden Savings FCU Credit Card Rates

Garden Savings FCU Personal Loan Rates

Garden Savings FCU Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Garden Savings FCU earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Garden Savings FCU

How many branches does Garden Savings FCU operate?

Is a member application needed to join Garden Savings FCU?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Garden Savings FCU offer online and mobile banking?

Current Garden Savings FCU Rates

Compare to Other Credit Unions