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Garden Savings Federal Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
2.53%5-year CD5 Year Share Certificate
2.90% - Goldman Sachs Bank USA High-yield 5 Year CDAdvertisement
1.87%4-year CD4 Year Share Certificate
2.60% - Goldman Sachs Bank USA High-yield 4 Year CDAdvertisement
1.51%2-year CD2 Year Share Certificate
2.35% - 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 709th largest credit union in the nation. It was established in 1968 and as of March of 2018, it had grown to 71 employees and 29,403 members at 5 locations. Garden Savings Federal Credit Union's money market rates are 82% higher than the national average, and it has a C+ 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

Limited Time 5-Year CD Special - 12/4/2017

Garden Savings Federal Credit Union in New Jersey has a limited time offer on a five year CD rate of 2.53% APY. Withdrawal penalty is 180 days interest. This Credit Union is an easy membership requiring affiliation in the American Consumer Council. They list a telephone number of 973-576-2000 should you wish to call them, of course you can always go to their website. Living in northeastern Pennsylvania this is one of the better 5-year deals locally.

Garden Savings FCU Ups 5-Year CD Rate - 11/2/2017

Garden Savings FCU (easy membership) added 67 bps to its 5-year Share Certificate (2.53% APY). Minimum deposit is $500, with no stated balance cap.

5 Year CD & IRA, APY 2.53% (from 1.86% per DA), $500 Minimum - 11/1/2017

https://www.gardensavingsfcu.org/ Home page: "Check out our rates page for our latest rates, including a 5-year Certificate with a rate of 2.50% (Annual Percentage Yield = 2.53%)" EWP = "On terms of 1 year or greater, early withdrawal penalty is 180 days of dividends earned."

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Health
C+

Data as of Q1 2018

Learn why bank health matters

Health Grade Components

Overall
NCUA #18710
Year Chartered1968
Employees71
Primary Regulator
Profit Margin
Return on Assets - YTD-0.04%
Return on Equity - YTD-0.52%
Annual Interest Income$3.9MM
Assets and Liabilities
AssetsQ1 2018vs Q1 2017$358.5MM$355.9MM
LoansQ1 2018vs Q1 2017$246.0MM$223.1MM
DepositsQ1 2018vs Q1 2017$325.8MM$319.5MM
Equity CapitalQ1 2018vs Q1 2017$29.9MM$33.3MM
Loan Loss AllowanceQ1 2018vs Q1 2017$7.0MM$4.7MM
Unbacked Noncurrent LoansQ1 2018vs Q1 2017$6.4MM$4.5MM
Real Estate OwnedQ1 2018vs Q1 2017$0$0
Rates
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Always verify rates and promotions with the bank or credit union. We are not Garden Savings Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* 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
2.53%$500-5 Year Share Certificate
1.87%$500-4 Year Share Certificate
1.76%$500-3 Year Share Certificate
1.66%$500-3 Year Flex-Rate Share Certificate
1.51%$500-12 Month Share Certificate
1.51%$500-18 Month Share Certificate
1.51%$500-2 Year Share Certificate
1.41%$500-1 Year Flex-Rate Share Certificate
1.41%$500-2 Year Flex-Rate Share Certificate
0.75%$500-6 Month Share Certificate
0.75%$500-7 Month Share Certificate
0.75%$500-8 Month Share Certificate
0.75%$500-9 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
2.53%$500-5 Year IRA Share Certificate
1.87%$500-4 Year IRA Share Certificate
1.76%$500-3 Year IRA Share Certificate
1.66%$500-3 Year Flex-Rate IRA Share Certificate
1.51%$500-12 Month IRA Share Certificate
1.51%$500-18 Month IRA Share Certificate
1.51%$500-2 Year IRA Share Certificate
1.41%$500-1 Year Flex-Rate IRA Share Certificate
1.41%$500-2 Year Flex-Rate IRA Share Certificate
0.75%$500-6 Month IRA Share Certificate
0.75%$500-7 Month IRA Share Certificate
0.75%$500-8 Month IRA Share Certificate
0.75%$500-9 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

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