Featured Savings Rates
Featured Accounts

Garden Savings Federal Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
1.97%5-year CD5 Year Share Certificate
1.61%4-year CD4 Year Share Certificate
0.50%6-month CD6 Month Share Certificate

Overview / Commentary
973-576-2000
129 Littleton Rd
Parsippany, NJ 07054-1869

Garden Savings Federal Credit Union is headquartered in Parsippany and is the 9th largest credit union in the state of New Jersey. It is also the 700th largest credit union in the nation. It was established in 1968 and as of December of 2015, it had grown to 59 employees and 25,672 members at 5 locations. Garden Savings Federal Credit Union's savings rates are 92% higher than the national average, and it has an A health rating.

Field of Membership Restrictions

Membership is open to those who live, work, worship, attend school, volunteer or regularly conduct business in Newark, Elizabeth, or Jersey City. Membership is also open to employees of one of the credit union's Select Employer Group or as an immediate family member of of anyone eligible.
See current membership details

Related Posts

Garden Savings FCU Raises Rates On 2-Year and 5-Year CDs - 8/27/2015

Garden Savings FCU (easy membership) raised rates on 2-year CD (1.51% APY) and 5-year CD (2.38% APY). Minimum deposit is $500, with no balance cap. Also available as IRAs.

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Health
A

Health Grade Components

Overall
NCUA #18710
Year Chartered1968
Employees59
Primary Regulator
Profit Margin
Return on Assets - YTD0.41%
Return on Equity - YTD3.84%
Annual Interest Income$12.4MM
Assets and Liabilities
AssetsQ4 2015vs Q4 2014$316.3MM$298.2MM
LoansQ4 2015vs Q4 2014$196.5MM$192.6MM
DepositsQ4 2015vs Q4 2014$278.6MM$263.5MM
Equity CapitalQ4 2015vs Q4 2014$33.0MM$31.7MM
Loan Loss AllowanceQ4 2015vs Q4 2014$4.6MM$4.7MM
Unbacked Noncurrent LoansQ4 2015vs Q4 2014$3.8MM$4.6MM
Real Estate OwnedQ4 2015vs Q4 2014$0$500.00K
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Garden Savings Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%--Kids Club Account
0.90%*$40k*-IRA Accumulator
OTHER TIERS: 0.80% Up to $40k
0.70%--Holiday Club
0.30%--Vacation Club
0.20%*$2,500*-High Yield Savings
OTHER TIERS: 0.15% $1k - $2,500
0.10%$250-Regular Share Account

Garden Savings Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.80%*$1m*-Platinum Money Market
OTHER TIERS: 0.30% $10k - $50k | 0.40% $50k - $100k | 0.45% $100k - $200k | 0.50% $200k - $250k | 0.60% $250k - $500k | 0.70% $500k - $1mm
0.40%*$50k*-Gold Money Market
OTHER TIERS: 0.25% $1k - $15k | 0.30% $15k - $30k | 0.35% $30k - $50k

Garden Savings Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%$750-Senior Account
0.10%--Diamond Checking
0.10%$750-V.I.P. Account
0.10%--Student Account

Garden Savings Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.97%$500-5 Year Share Certificate
1.61%$500-4 Year Share Certificate
1.41%$500-3 Year Share Certificate
1.31%$500-3 Year Flex-Rate Share Certificate
1.11%$500-2 Year Share Certificate
1.01%$500-2 Year Flex-Rate Share Certificate
0.90%$500-18 Month Share Certificate
0.75%$500-12 Month Share Certificate
0.65%$500-1 Year Flex-Rate Share Certificate
0.60%$500-9 Month Share Certificate
0.50%$500-6 Month Share Certificate
0.50%$500-7 Month Share Certificate
0.50%$500-8 Month Share Certificate
0.35%$500-3 Month Share Certificate
0.35%$500-4 Month Share Certificate
0.35%$500-5 Month Share Certificate
0.20%$500-30 Day Share Certificate

Garden Savings Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.97%$500-5 Year IRA Share Certificate
1.61%$500-4 Year IRA Share Certificate
1.41%$500-3 Year IRA Share Certificate
1.31%$500-3 Year Flex-Rate IRA Share Certificate
1.11%$500-2 Year IRA Share Certificate
1.01%$500-2 Year Flex-Rate IRA Share Certificate
0.90%$500-18 Month IRA Share Certificate
0.75%$500-12 Month IRA Share Certificate
0.65%$500-1 Year Flex-Rate IRA Share Certificate
0.60%$500-9 Month IRA Share Certificate
0.50%$500-6 Month IRA Share Certificate
0.50%$500-7 Month IRA Share Certificate
0.50%$500-8 Month IRA Share Certificate
0.35%$500-3 Month IRA Share Certificate
0.35%$500-4 Month IRA Share Certificate
0.35%$500-5 Month IRA Share Certificate
0.20%$500-30 Day IRA Share Certificate
Locations


Garden Savings Federal Credit Union Locations
Branch Office600 Mountain Ave Rm 6H-216New Providence, NJ 07974-2008
Branch Office120 Ferry StNewark, NJ 07105
Branch Office23 Prospect StDover, NJ 07801
Branch Office129 Littleton RdParsippany, NJ 07054-1869
Branch Office709 Irvington AveMaplewood, NJ 07040-1607