|
iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Garden Savings FCU Rates & Review August 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: August 28, 2026
Garden Savings FCU's 12 month Special Promotional CDs rates are at 4.00%, 12 month CD rates are at 3.90%, 6 month CD rates are at 3.50%, 18 month CD rates are at 3.25%, 2 Years CD rates are at 3.00%. Garden Savings FCU's savings rates are at 0.00%. Garden Savings FCU's money market rates are at 0.00%. Garden Savings FCU's First Mortgages (New Purchases 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%, First Mortgages (New Purchases rates are at 5.88%. Garden Savings FCU's Personal Loan Rates are at 10.99%. 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 8.45%. Rates last updated and verified on 08/28/2026. 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. 
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
Methodology & Data SourcesMonitorBankRates 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
80
Part-Time Employees
5
Branch Locations
6
ATM Locations
6
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (96/100)
Texas Ratio
8.45%
Return on Assets (ROA)
-0.2598%
Return on Equity (ROE)
-3.1554%
Non-Performing Loans Ratio (NPL)
1.08%
Total Assets
498,764,212
Total Amount of Shares and Deposits
432,494,147
Total Shares and Deposits < 1 Year
375,698,633
Total Shares and Deposits 1 3 Years
51,835,960
Total Shares and Deposits > 3 Years
4,959,555
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
8,564,450
Total Uninsured Shares and Deposits > $250K (F+J)
8,564,450
Total Insured Shares and Deposits > $250K (item 17 less item K)
423,929,697
Total Interest Expense (Sum of items 6 8)
8,007,600
Share Certificates
3,502
Number of Accounts for Share Drafts
14,863
IRA KEOGH Accounts
1,603
Number of Accounts for Regular Shares
35,898
All other shares
1,767
Non Member Deposits
22
Money Market Shares
355
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)
5,247,998
Total Liabilities
464,286,671
Source: NCUA — Last Updated 09/30/2025
Customer Reviews
There are no reviews for Garden Savings FCU yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Garden Savings FCU
Frequently Asked Questions About Garden Savings FCUHow 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
Retrieved from our database of financial products. Rates subject to change.
Compare to Other Credit Unions
FirstEnergy Choice Federal Credit Union
New Haven Firefighters Credit Union
Simplot Credit Union
Cooperative Federal Credit Union
Linkage Credit Union
3Hill Credit Union
Carbondale Highway Credit Union
St James Parish Credit Union
MEMBERSFIRST CT
Granite Federal Credit Union
Dannemora Federal Credit Union
Alpine Community Credit Union
KUE Federal Credit Union
Cooperative Choice Network Credit Union
The New Orleans Firemens Federal Credit Union
United Members Federal Credit Union
IM Detroit District Credit Union
Glendale Area Schools Credit Union
EAST ALABAMA COMMUNITY
Capital Credit Union
Joplin Metro Credit Union
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Rate Assistant
MonitorBankRates.com · Live Data
Try asking