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  2. Garden Savings Federal Credit Union

Garden Savings Federal Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
1.86%5-year CD5 Year Share Certificate
2.25% - Ally Bank High Yield 5 Year CDAdvertisement
1.61%4-year CD4 Year Share Certificate
1.50% - Ally Bank Raise Your Rate 4-Year CDAdvertisement
1.11%2-year CD2 Year Share Certificate
1.50% - Ally Bank Raise Your Rate 2-Year CDAdvertisement
View all Garden Savings Federal Credit Union rates »

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

Garden Savings Federal Credit Union is headquartered in Parsippany and is the 6th largest credit union in the state of New Jersey. It is also the 678th largest credit union in the nation. It was established in 1968 and as of December of 2016, it had grown to 64 employees and 26,154 members at 5 locations. Garden Savings Federal Credit Union's money market rates are 82% higher than the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership in Garden Savings Federal Credit Union is open to anyone through joining the American Consumer Council. Membership is also open to the following: (1) those who live, work, worship, attend school, volunteer, or regularly conduct business in Newark, Elizabeth, or Jersey City; (2) employees of General Dynamics Advanced Information Systems, Bellco Laboratories, or over 200 Select Employer Groups; (3) immediate family members of anyone eligible.
See current membership details

Related Posts

5 Year 2.28% CD - 10/8/2016

This offer expires on the 14th of October.  It lasted a whole three weeks.  Boo!

Garden Savings FCU (Easy Membership) Hikes CD Rates - 9/27/2016

Garden Savings FCU (easy membership) has raised the rates on its 12-month CD (1.41% APY), 18-month CD (1.51% APY), and 2-Year CD (1.66% APY). Minimum deposit is $500.

12, 18, And 24 Month CD Rate Increase - 9/24/2016

Garden Savings Federal raised rates on the 12, 18, and 24 month CDs to attractive levels: 1.41%, 1.51%, and 1.66% APY, respectively. Membership open to anybody through American Consumer Council, but I'm not seeing an easy way to open these accounts online. Rates | Garden Savings FCU | Parsippany, NJ - Newark, NJ - Maplewood, NJ

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Health
B+

Data as of Q4 2016

Learn why bank health matters

Health Grade Components

Overall
NCUA #18710
Year Chartered1968
Employees64
Primary Regulator
Profit Margin
Return on Assets - YTD0.23%
Return on Equity - YTD2.33%
Annual Interest Income$13.5MM
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$349.8MM$316.3MM
LoansQ4 2016vs Q4 2015$218.6MM$196.5MM
DepositsQ4 2016vs Q4 2015$313.1MM$278.6MM
Equity CapitalQ4 2016vs Q4 2015$33.1MM$33.0MM
Loan Loss AllowanceQ4 2016vs Q4 2015$4.6MM$4.6MM
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$5.2MM$3.8MM
Real Estate OwnedQ4 2016vs Q4 2015$0$0
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-Member Savings

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 Advantage Checkinig
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
1.86%$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
1.86%$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