What are the current interest rates at Garden Savings FCU?

Current rates for Garden Savings FCU include: 12-Month CD: 4.00%, 18-Month CD: 3.25%, 24-Month CD: 3.00%, 60-Month CD: 3.00%, Savings: 3.75%, MMA: 3.00%

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Garden Savings FCU Rates & Review October 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: October 14, 2026

Garden Savings FCU's top rates as of October 14, 2026 are 4.25% APY on its 13 Month CDs CD, 3.75% APY on savings, 3.00% APY on money market accounts, 5.00% APY on checking, 5.50% on its Adjustable Rate 1st Mortgage - 5/1 Year ARM, personal loans from 10.99% APR, and credit cards from 8.00% APR, according to rates verified by MonitorBankRates. Other Garden Savings FCU CD rates include 12 Month CDs at 4.05%, Special Promotional CDs - 12 month at 4.00%, and 6 Month CDs at 3.50%. Other Garden Savings FCU mortgage rates include First Mortgage at 5.75%, First Mortgages at 5.75%, and First Mortgage - First Time Home Buyer at 5.75%. 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 10.13%. Rates last updated and verified on 10/14/2026.

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 Q2 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

10.13%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Garden Savings FCU
Main

129 Littleton Rd
Parsippany, NJ 07054-1869

http://gardensavingsfcu.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Garden Savings FCU CD Rates

Product	Rate	APY	Term
13 Month Share Certificates	4.17%	4.25%	13 Months
Min Deposit $500 Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 4.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
12 Month Share Certificates	3.975%	4.05%	12 Months
Min Deposit $500 Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 3.90% → 4.05% ▲ 0.15 pts · high 4.05% / low 3.90% Oct 10, 20264.05%▲ from 3.90% Sep 14, 20263.90%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Special Promotional Share Certificates - 12 month	3.925%	4.00%	12 Months
Min Deposit $500 Details Share Certificate Special available from July 5th to July 10th; Minimum opening deposit of $500 in new money required for Special Promo Share Certificate of a 12-month term; new funds means money not on deposit at Garden Savings FCU in the past 90 days; On terms of 1 year or greater, early withdrawal penalty is 180 days of dividends earned Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 4.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
6 Month Share Certificates	3.50%	3.50%	6 Months
Min Deposit $500 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
7 Month Share Certificates	3.50%	3.50%	7 Months
Min Deposit $500 Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 2.75% → 3.50% ▲ 0.75 pts · high 3.50% / low 2.75% Oct 10, 20263.50%▲ from 2.75% Sep 14, 20262.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
18 Month Share Certificates	3.20%	3.25%	18 Months
Min Deposit $500 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
2 Year Share Certificates	2.96%	3.00%	2 Years
Min Deposit $500 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
3 Year Share Certificates	2.96%	3.00%	3 Years
Min Deposit $500 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
4 Year Share Certificates	2.96%	3.00%	4 Years
Min Deposit $500 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
5 Year Share Certificates	2.96%	3.00%	5 Years
Min Deposit $500 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
8 Month Share Certificates	2.75%	2.75%	8 Months
Min Deposit $500 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 2.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
9 Month Share Certificates	2.75%	2.75%	9 Months
Min Deposit $500 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 2.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
3 Month Share Certificates	1.75%	1.75%	3 Months
Min Deposit $500 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 1.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
4 Month Share Certificates	1.75%	1.75%	4 Months
Min Deposit $500 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 1.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
5 Month Share Certificates	1.75%	1.75%	5 Months
Min Deposit $500 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 1.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
30 Day Share Certificates	0.30%	0.30%	30 Days
Min Deposit $500 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%

Garden Savings FCU Savings Rates

Product	Rate	APY
Accelerate Savings	3.69%	3.75%
Details Balance: the first $15,000 on deposit in the account (average balance) Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 1.00% → 3.75% ▲ 2.75 pts · high 3.75% / low 1.00% Oct 14, 20263.75%▲ from 1.00% Sep 14, 20261.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Accelerate Savings	1.00%	1.00%
Min Balance $15,000 Details Balance: on funds in excess of $15,000 (average balance) Last Updated 10/14/2026 Rate History 5 changes since Sep 14, 2026 · 0.45% → 1.00% ▲ 0.55 pts · high 3.75% / low 0.45% Oct 14, 20261.00%▼ from 3.75% Oct 10, 20263.75%▲ from 1.00% Oct 1, 20261.00%▲ from 0.45% Sep 22, 20260.45%▼ from 1.00% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Holiday Club	0.50%	0.50%
No additional details. Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Kids Club Account	0.50%	0.50%
No additional details. Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Vacation Club	0.10%	0.10%
No additional details. Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Member Savings	0.05%	0.05%
Min Balance $250 Details $250 minimum balance required to earn dividends. Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%

Garden Savings FCU Business Savings Rates

Product	Rate	APY	View More
Business Savings	0.05%	0.05%
Details No monthly service charges. Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%

Garden Savings FCU Money Market Rates

Product	Rate	APY
Platinum Money Market	2.81%	2.85%
Min Balance $500,000 Details Balance: $500,000 - $999,999.99; $5 per item fee for withdrawals over 6 per month Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 2.85% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Platinum Money Market	2.57%	2.60%
Min Balance $250,000 Details Balance: $250,000 - $499,999.99; $5 per item fee for withdrawals over 6 per month Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 2.60% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Platinum Money Market	2.08%	2.10%
Min Balance $200,000 Details Balance: $200,000 - $249,999.99; $5 per item fee for withdrawals over 6 per month Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 2.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Platinum Money Market	1.83%	1.85%
Min Balance $100,000 Details Balance: $100,000 - $199,999.99; $5 per item fee for withdrawals over 6 per month Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 1.85% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Platinum Money Market	1.59%	1.60%
Min Balance $50,000 Details Balance: $50,000 - $99,999.99; $5 per item fee for withdrawals over 6 per month Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 1.60% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Platinum Money Market	1.34%	1.35%
Min Balance $10,000 Details Balance: $10,000 - $49,999.99; $5 per item fee for withdrawals over 6 per month Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 1.35% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Platinum Money Market	0.50%	0.50%
Min Balance $5,000 Details Balance: $5,000 - $9,999.99; $10 monthly fee applies for daily balances less than $10,000; $5 per item fee for withdrawals over 6 per month Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%

Garden Savings FCU Business Money Market Rates

Product	Rate	APY
Better Business Money Market	2.96%	3.00%
Min Balance $1,000,000 Details Balance: $1,000,000 and up Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Better Business Money Market	2.72%	2.75%
Min Balance $500,000 Details Balance: $500,000-999,999 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 2.75% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Better Business Money Market	2.47%	2.50%
Min Balance $250,000 Details Balance: $250,000-499,999 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 2.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Better Business Money Market	1.98%	2.00%
Min Balance $200,000 Details Balance: $200,000- 249,999 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Better Business Money Market	1.74%	1.75%
Min Balance $100,000 Details Balance: $100,000-199,999 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 1.75% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Better Business Money Market	1.49%	1.50%
Min Balance $50,000 Details Balance: $50,000-99,999 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 1.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Better Business Money Market	1.24%	1.25%
Min Balance $10,000 Details Balance: $10,000-49,999 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 1.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Business Money Market	0.70%	0.70%
Min Balance $500,000 Details Balance: $500,000-999,999; $10 monthly fee if daily balance less than $1,000; $5 per item fee for withdrawals over 6 per month; Earn dividend $10,000 and up (based on daily balance) Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.70% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Business Money Market	0.50%	0.50%
Min Balance $200,000 Details Balance: $200,000-249,999; $10 monthly fee if daily balance less than $1,000; $5 per item fee for withdrawals over 6 per month; Earn dividend $10,000 and up (based on daily balance) Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Business Money Market	0.50%	0.50%
Min Balance $250,000 Details Balance: $250,000-499,999; $10 Monthly Fee applies for daily balances less than $1,000; $5 per item fee for withdrawals in excess of 6 per month on both accounts; Earn Dividend $10,000 and up (based on your daily balance) Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Business Money Market	0.45%	0.45%
Min Balance $100,000 Details Balance: $100,000-199,999; $10 monthly fee if daily balance less than $1,000; $5 per item fee for withdrawals over 6 per month; Earn dividend $10,000 and up (based on daily balance) Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.45% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Business Money Market	0.40%	0.40%
Min Balance $50,000 Details Balance: $50,000-99,999; $10 monthly fee if daily balance less than $1,000; $5 per item fee for withdrawals over 6 per month; Earn dividend $10,000 and up (based on daily balance) Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.40% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Business Money Market	0.30%	0.30%
Min Balance $10,000 Details Balance: $10,000-49,999; $10 monthly fee if daily balance less than $1,000; $5 per item fee for withdrawals over 6 per month; Earn dividend $10,000 and up (based on daily balance) Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%

Garden Savings FCU Checking Rates

Product	Rate	APY
Platinum Checking	4.89%	5.00%
Details Qualifications Required: Enrolled in e-statements; Minimum of 12 point-of-sale transactions of at least $5 per transaction prior to the end of the business calendar month; Direct deposit of regular pay or minimum of 1 ACH debit from account per month; Qualifying Balance up to $15,000.00 (average balance), if all qualifiers met; Up to $20 per month ATM rebate; Entire account balance earns 0.01% APY if qualifiers are not met; Maximum of one Platinum Checking account per membership. Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 5.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Platinum Checking	3.06%	3.10%
Min Balance $1,000,000 Details Balance: $1,000,000+ Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 5.00% → 3.10% ▼ 1.90 pts · high 5.00% / low 3.10% Oct 14, 20263.10%▼ from 5.00% Sep 14, 20265.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Platinum Checking	2.81%	2.85%
Min Balance $500,000 Details Balance: $500,000 - $999,999.99 Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 5.00% → 2.85% ▼ 2.15 pts · high 5.00% / low 2.85% Oct 14, 20262.85%▼ from 5.00% Sep 14, 20265.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Platinum Checking	2.57%	2.60%
Min Balance $250,000 Details Balance: $250,000 - $499,999.99 Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 5.00% → 2.60% ▼ 2.40 pts · high 5.00% / low 2.60% Oct 14, 20262.60%▼ from 5.00% Sep 14, 20265.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Platinum Checking	2.08%	2.10%
Min Balance $200,000 Details Balance: $200,000 - $249,999.99 Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 0.15% → 2.10% ▲ 1.95 pts · high 2.10% / low 0.15% Oct 14, 20262.10%▲ from 0.15% Sep 14, 20260.15%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Platinum Checking	1.83%	1.85%
Min Balance $100,000 Details Balance: $100,000 - $199,999.99 Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 0.15% → 1.85% ▲ 1.70 pts · high 1.85% / low 0.15% Oct 14, 20261.85%▲ from 0.15% Sep 14, 20260.15%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Platinum Checking	1.59%	1.60%
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 0.90% → 1.60% ▲ 0.70 pts · high 1.60% / low 0.90% Oct 14, 20261.60%▲ from 0.90% Sep 14, 20260.90%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Platinum Checking	1.34%	1.35%
Min Balance $10,000 Details Balance: $10,000 - $49,999.99 Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 0.15% → 1.35% ▲ 1.20 pts · high 1.35% / low 0.15% Oct 14, 20261.35%▲ from 0.15% Sep 14, 20260.15%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Platinum Checking	0.90%	0.90%
Min Balance $50,000 Details Balance: $50,000+ Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.90% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Platinum Checking	0.60%	0.60%
Min Balance $40,000 Details Balance: $40,000+ Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 0.15% → 0.60% ▲ 0.45 pts · high 0.60% / low 0.15% Oct 14, 20260.60%▲ from 0.15% Sep 14, 20260.15%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Platinum Checking	0.55%	0.55%
Min Balance $30,000 Details Balance: $30,000 - $49,999.99 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.55% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Platinum Checking	0.50%	0.50%
Min Balance $5,000 Details Balance: $5,000 - $9,999.99 Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 0.15% → 0.50% ▲ 0.35 pts · high 0.50% / low 0.15% Oct 14, 20260.50%▲ from 0.15% Sep 14, 20260.15%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Platinum Checking	0.45%	0.45%
Min Balance $15,000 Details Balance: $15,000 - $29,999.99 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.45% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Platinum Checking	0.40%	0.40%
Min Balance $1,000 Details Balance: $1,000 - $14,999.99 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.40% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%

Garden Savings FCU Mortgage Rates

Product	Rate	Points	APR	Term
First Mortgage	5.75%	0	5.855%	10 Years
Details up to $970,800; Credit score 740+; primary residence; single-family Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 5.86% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
First Mortgages	5.75%	0	5.855%	10 Years
Details up to $970,800; Rates assume credit score 740+, single-family primary residence Last Updated 10/14/2026 Rate History No change since Sep 27, 2026 · 5.86% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
First Mortgage - First Time Home Buyer	5.75%	1	5.931%	20 Years
Details up to $970,800; First Time Home Buyer Rate; Credit score 740+; primary residence; single-family Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 5.93% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
First Mortgages	5.75%	1	5.931%	20 Years
Details up to $970,800; First Time Home Buyer Rate; Rates assume credit score 740+, single-family primary residence Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 5.93% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
First Mortgage - First Time Home Buyer	5.875%	0	5.935%	20 Years
Details up to $970,800; First Time Home Buyer Rate; Credit score 740+; primary residence; single-family Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 5.94% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
First Mortgages	5.875%	0	5.935%	20 Years
Details up to $970,800; First Time Home Buyer Rate; Rates assume credit score 740+, single-family primary residence Last Updated 10/14/2026 Rate History 1 change since Sep 27, 2026 · 6.06% → 5.94% ▼ 0.13 pts · high 6.06% / low 5.94% Oct 14, 20265.94%▼ from 6.06% Sep 27, 20266.06%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
First Mortgage	5.625%	1	5.946%	10 Years
Details up to $970,800; Credit score 740+; primary residence; single-family Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 5.95% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
First Mortgages	5.625%	1	5.946%	10 Years
Details up to $970,800; Rates assume credit score 740+, single-family primary residence Last Updated 10/14/2026 Rate History No change since Sep 27, 2026 · 5.95% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
First Mortgage	5.875%	0	5.951%	15 Years
Details up to $970,800; Credit score 740+; primary residence; single-family Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 5.95% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
First Mortgages	5.875%	0	5.951%	15 Years
Details up to $970,800; Rates assume credit score 740+, single-family primary residence Last Updated 10/14/2026 Rate History No change since Sep 27, 2026 · 5.95% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
First Mortgage	5.75%	1	5.978%	15 Years
Details up to $970,800; Credit score 740+; primary residence; single-family Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 5.98% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
First Mortgages	5.75%	1	5.978%	15 Years
Details up to $970,800; Rates assume credit score 740+, single-family primary residence Last Updated 10/14/2026 Rate History No change since Sep 27, 2026 · 5.98% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Adjustable Rate 1st Mortgage - 5/1 Year ARM	5.50%	0	5.989%	30 Years
Details Loan amount up to $970,800 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 5.99% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Adjustable Rate 1st Mortgages - 5/1 Year ARM	5.50%	0	5.989%	30 Years
Details Loan limit: Up to $970,800 (Morris County, NJ); Jumbo ARMs ($417,000 and over) add 0.125% to stated rates Last Updated 10/14/2026 Rate History No change since Oct 6, 2026 · 5.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
First Mortgage	5.625%	2	6.004%	15 Years
Details up to $970,800; Credit score 740+; primary residence; single-family Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 6.00% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
First Mortgages	5.625%	2	6.004%	15 Years
Details up to $970,800; Rates assume credit score 740+, single-family primary residence Last Updated 10/14/2026 Rate History No change since Sep 27, 2026 · 6.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
First Mortgage	5.50%	2	6.035%	10 Years
Details up to $970,800; Credit score 740+; primary residence; single-family Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 6.04% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
First Mortgages	5.50%	2	6.035%	10 Years
Details up to $970,800; Rates assume credit score 740+, single-family primary residence Last Updated 10/14/2026 Rate History No change since Sep 27, 2026 · 6.04% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
First Mortgage	5.75%	2	6.053%	20 Years
Details up to $970,800; Credit score 740+; primary residence; single-family Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 6.05% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
First Mortgages	5.75%	2	6.053%	20 Years
Details up to $970,800; Rates assume credit score 740+, single-family primary residence Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 6.05% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Adjustable Rate 1st Mortgage - 5/5 Year ARM	5.75%	0	6.056%	30 Years
Details Loan amount up to $970,800 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 6.06% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Adjustable Rate 1st Mortgages - 5/5 Year ARM	5.75%	0	6.056%	30 Years
Details Loan limit: Up to $970,800 (Morris County, NJ); Jumbo ARMs ($417,000 and over) add 0.125% to stated rates Last Updated 10/14/2026 Rate History No change since Oct 6, 2026 · 6.06% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
First Mortgage	5.875%	1	6.058%	20 Years
Details up to $970,800; Credit score 740+; primary residence; single-family Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 6.06% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
First Mortgages	5.875%	1	6.058%	20 Years
Details up to $970,800; Rates assume credit score 740+, single-family primary residence Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 6.06% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
First Mortgage	6.00%	0	6.062%	20 Years
Details up to $970,800; Credit score 740+; primary residence; single-family Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 6.06% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
First Mortgages	6.00%	0	6.062%	20 Years
Details up to $970,800; Rates assume credit score 740+, single-family primary residence Last Updated 10/14/2026 Rate History No change since Sep 27, 2026 · 6.06% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
First Mortgage - First Time Home Buyer	6.00%	1	6.139%	30 Years
Details up to $970,800; First Time Home Buyer Rate; Credit score 740+; primary residence; single-family Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 6.14% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
First Mortgages	6.00%	1	6.139%	30 Years
Details up to $970,800; First Time Home Buyer Rate; Rates assume credit score 740+, single-family primary residence Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 6.14% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
First Mortgage - First Time Home Buyer	6.125%	0	6.173%	30 Years
Details up to $970,800; First Time Home Buyer Rate; Credit score 740+; primary residence; single-family Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 6.17% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
First Mortgages	6.125%	0	6.173%	30 Years
Details up to $970,800; First Time Home Buyer Rate; Rates assume credit score 740+, single-family primary residence Last Updated 10/14/2026 Rate History 1 change since Sep 27, 2026 · 6.30% → 6.17% ▼ 0.13 pts · high 6.30% / low 6.17% Oct 14, 20266.17%▼ from 6.30% Sep 27, 20266.30%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
First Mortgage	6.00%	2	6.232%	30 Years
Details up to $970,800; Credit score 740+; primary residence; single-family Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 6.23% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
First Mortgages	6.00%	2	6.232%	30 Years
Details up to $970,800; Rates assume credit score 740+, single-family primary residence Last Updated 10/14/2026 Rate History 1 change since Oct 6, 2026 · 7.00% → 6.23% ▼ 0.77 pts · high 7.00% / low 6.23% Oct 14, 20266.23%▼ from 7.00% Oct 6, 20267.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
First Mortgage	6.125%	1	6.266%	30 Years
Details up to $970,800; Credit score 740+; primary residence; single-family Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 6.27% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
First Mortgages	6.125%	1	6.266%	30 Years
Details up to $970,800; Rates assume credit score 740+, single-family primary residence Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 6.27% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
First Mortgage	6.25%	0	6.299%	30 Years
Details up to $970,800; Credit score 740+; primary residence; single-family Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 6.30% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
First Mortgages	6.25%	0	6.299%	30 Years
Details up to $970,800; Rates assume credit score 740+, single-family primary residence Last Updated 10/14/2026 Rate History No change since Sep 27, 2026 · 6.30% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Adjustable Rate 1st Mortgage - 3/3 Year ARM	5.75%	0	6.421%	30 Years
Details Loan amount up to $970,800 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 6.42% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Adjustable Rate 1st Mortgages - 3/3 Year ARM	5.75%	0	6.421%	30 Years
Details Loan limit: Up to $970,800 (Morris County, NJ); Jumbo ARMs ($417,000 and over) add 0.125% to stated rates Last Updated 10/14/2026 Rate History No change since Oct 6, 2026 · 6.42% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
First Mortgages	6.50%	0	6.621%	10 Years
Details up to $970,800; Rates for credit score 740+, single-family primary residence Last Updated 10/14/2026 Rate History 1 change since Sep 27, 2026 · 6.49% → 6.62% ▲ 0.13 pts · high 6.62% / low 6.49% Oct 6, 20266.62%▲ from 6.49% Sep 27, 20266.49%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
First Mortgages	6.50%	1	6.694%	20 Years
Details up to $970,800; First Time Home Buyer Rate; Rates for credit score 740+, single-family primary residence Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 6.69% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
First Mortgages	6.625%	0	6.695%	20 Years
Details up to $970,800; First Time Home Buyer Rate; Rates for credit score 740+, single-family primary residence Last Updated 10/14/2026 Rate History 2 changes since Sep 27, 2026 · 6.70% → 6.70% ▼ 0.00 pts · high 6.82% / low 6.70% Oct 14, 20266.70%▼ from 6.82% Oct 6, 20266.82%▲ from 6.70% Sep 27, 20266.70%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
First Mortgages	6.625%	0	6.709%	15 Years
Details up to $970,800; Rates for credit score 740+, single-family primary residence Last Updated 10/14/2026 Rate History 1 change since Sep 27, 2026 · 6.59% → 6.71% ▲ 0.12 pts · high 6.71% / low 6.59% Oct 6, 20266.71%▲ from 6.59% Sep 27, 20266.59%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
First Mortgages	6.375%	1	6.714%	10 Years
Details up to $970,800; Rates for credit score 740+, single-family primary residence Last Updated 10/14/2026 Rate History 1 change since Sep 27, 2026 · 6.59% → 6.71% ▲ 0.13 pts · high 6.71% / low 6.59% Oct 6, 20266.71%▲ from 6.59% Sep 27, 20266.59%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
5/1 Year ARM	6.00%	0	6.728%	30 Years
Details Adjustable Rate 1st Mortgages (Up to $970,800) Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 6.73% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Adjustable Rate 1st Mortgage - 5/1 Year ARM	6.00%	0	6.728%	30 Years
Details Loan amounts up to $970,800 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 6.73% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
First Mortgages	6.50%	1	6.743%	15 Years
Details up to $970,800; Rates for credit score 740+, single-family primary residence Last Updated 10/14/2026 Rate History 1 change since Sep 27, 2026 · 6.62% → 6.74% ▲ 0.13 pts · high 6.74% / low 6.62% Oct 6, 20266.74%▲ from 6.62% Sep 27, 20266.62%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
First Mortgages - Refinance	6.625%	0	6.75%	15 Years
Details Conforming refinance; APR based on $200,000 loan, no fees, 30 days per diem interest; APRs are estimates and vary by loan amount Last Updated 10/14/2026 Rate History 1 change since Sep 18, 2026 · 6.59% → 6.75% ▲ 0.16 pts · high 6.75% / low 6.59% Oct 14, 20266.75%▲ from 6.59% Sep 18, 20266.59%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
First Mortgages	6.375%	2	6.772%	15 Years
Details up to $970,800; Rates for credit score 740+, single-family primary residence Last Updated 10/14/2026 Rate History 1 change since Sep 27, 2026 · 6.64% → 6.77% ▲ 0.13 pts · high 6.77% / low 6.64% Oct 6, 20266.77%▲ from 6.64% Sep 27, 20266.64%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
First Mortgages	6.25%	2	6.806%	10 Years
Details up to $970,800; Rates for credit score 740+, single-family primary residence Last Updated 10/14/2026 Rate History 1 change since Sep 27, 2026 · 6.68% → 6.81% ▲ 0.13 pts · high 6.81% / low 6.68% Oct 6, 20266.81%▲ from 6.68% Sep 27, 20266.68%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
First Mortgages	6.50%	2	6.82%	20 Years
Details up to $970,800; Rates for credit score 740+, single-family primary residence Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 6.82% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
First Mortgages	6.75%	0	6.822%	20 Years
Details up to $970,800; Rates for credit score 740+, single-family primary residence Last Updated 10/14/2026 Rate History 1 change since Sep 27, 2026 · 6.70% → 6.82% ▲ 0.13 pts · high 6.82% / low 6.70% Oct 6, 20266.82%▲ from 6.70% Sep 27, 20266.70%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
First Mortgages	6.625%	1	6.823%	20 Years
Details up to $970,800; Rates for credit score 740+, single-family primary residence Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 6.82% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
5/5 Year ARM	6.25%	0	6.827%	30 Years
Details Adjustable Rate 1st Mortgages (Up to $970,800) Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 6.83% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Adjustable Rate 1st Mortgage - 5/5 Year ARM	6.25%	0	6.827%	30 Years
Details Loan amounts up to $970,800 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 6.83% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
3/3 Year ARM	6.25%	0	6.892%	30 Years
Details Adjustable Rate 1st Mortgages (Up to $970,800) Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 6.89% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Adjustable Rate 1st Mortgage - 3/3 Year ARM	6.25%	0	6.892%	30 Years
Details Loan amounts up to $970,800 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 6.89% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
First Mortgages	6.75%	1	6.902%	30 Years
Details up to $970,800; First Time Home Buyer Rate; Rates for credit score 740+, single-family primary residence Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 6.90% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
First Mortgages	6.875%	0	6.931%	30 Years
Details up to $970,800; First Time Home Buyer Rate; Rates for credit score 740+, single-family primary residence Last Updated 10/14/2026 Rate History 2 changes since Sep 27, 2026 · 6.93% → 6.93% ▼ 0.00 pts · high 7.06% / low 6.93% Oct 14, 20266.93%▼ from 7.06% Oct 6, 20267.06%▲ from 6.93% Sep 27, 20266.93%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
First Mortgages	6.75%	2	6.999%	30 Years
Details up to $970,800; Rates for credit score 740+, single-family primary residence Last Updated 10/14/2026 Rate History No change since Oct 6, 2026 · 7.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
First Mortgages	6.875%	1	7.029%	30 Years
Details up to $970,800; Rates for credit score 740+, single-family primary residence Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.03% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
First Mortgages	7.00%	0	7.058%	30 Years
Details up to $970,800; Rates for credit score 740+, single-family primary residence Last Updated 10/14/2026 Rate History 1 change since Sep 27, 2026 · 6.93% → 7.06% ▲ 0.13 pts · high 7.06% / low 6.93% Oct 6, 20267.06%▲ from 6.93% Sep 27, 20266.93%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%

Garden Savings FCU Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Lines of Credit	-	-	6.11%	10 Years
Details As Low As; Rate adjusts quarterly based on 6-Month T-Bill plus a margin. Rate quoted is "A-Paper" rate. Floor = 3.00%. Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 5.48% → 6.11% ▲ 0.63 pts · high 6.11% / low 5.48% Oct 14, 20266.11%▲ from 5.48% Sep 14, 20265.48%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Fixed Rate Home Equity Loans	6.25%	-	6.25%	5 Years
Details As Low As; Fixed Rate Home Equity Loans / Second Mortgages; Available in New Jersey, New York, and Pennsylvania Last Updated 10/14/2026 Rate History No change since Oct 6, 2026 · 6.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Fixed Rate Home Equity Loans - 5 Years	6.25%	-	6.25%	5 Years
Details Rate As Low As; Home Equity Loans with CLTV ratios up to 90% and 100% may be available for qualified borrowers; available in New Jersey, New York, and Pennsylvania Last Updated 10/14/2026 Rate History No change since Oct 6, 2026 · 6.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Fixed Rate Home Equity Loans	6.375%	-	6.375%	10 Years
Details As Low As; Fixed Rate Home Equity Loans / Second Mortgages; Available in New Jersey, New York, and Pennsylvania Last Updated 10/14/2026 Rate History No change since Oct 6, 2026 · 6.38% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Fixed Rate Home Equity Loans - 10 Years	6.375%	-	6.375%	10 Years
Details Rate As Low As; Home Equity Loans with CLTV ratios up to 90% and 100% may be available for qualified borrowers; available in New Jersey, New York, and Pennsylvania Last Updated 10/14/2026 Rate History No change since Oct 6, 2026 · 6.38% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Home Equity Lines of Credit	-	-	6.50%	15 Years
Details As Low As; 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 10/14/2026 Rate History 1 change since Sep 18, 2026 · 6.25% → 6.50% ▲ 0.25 pts · high 6.50% / low 6.25% Oct 14, 20266.50%▲ from 6.25% Sep 18, 20266.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Home Equity Lines of Credit	-	-	6.50%	20 Years
Details As Low As; 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 10/14/2026 Rate History 1 change since Sep 18, 2026 · 6.25% → 6.50% ▲ 0.25 pts · high 6.50% / low 6.25% Oct 14, 20266.50%▲ from 6.25% Sep 18, 20266.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Home Equity Lines of Credit	-	-	6.50%	30 Years
Details As Low As; 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 10/14/2026 Rate History 1 change since Sep 18, 2026 · 6.25% → 6.50% ▲ 0.25 pts · high 6.50% / low 6.25% Oct 14, 20266.50%▲ from 6.25% Sep 18, 20266.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Fixed Rate Home Equity Loans	6.625%	-	6.625%	15 Years
Details As Low As; Fixed Rate Home Equity Loans / Second Mortgages; Available in New Jersey, New York, and Pennsylvania Last Updated 10/14/2026 Rate History No change since Oct 6, 2026 · 6.63% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Fixed Rate Home Equity Loans - 15 Years	6.625%	-	6.625%	15 Years
Details Rate As Low As; Home Equity Loans with CLTV ratios up to 90% and 100% may be available for qualified borrowers; available in New Jersey, New York, and Pennsylvania Last Updated 10/14/2026 Rate History No change since Oct 6, 2026 · 6.63% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Fixed Rate Home Equity Loans	6.875%	-	6.875%	20 Years
Details As Low As; Fixed Rate Home Equity Loans / Second Mortgages; Available in New Jersey, New York, and Pennsylvania Last Updated 10/14/2026 Rate History No change since Oct 6, 2026 · 6.88% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Fixed Rate Home Equity Loans - 20 Years	6.875%	-	6.875%	20 Years
Details Rate As Low As; Home Equity Loans with CLTV ratios up to 90% and 100% may be available for qualified borrowers; available in New Jersey, New York, and Pennsylvania Last Updated 10/14/2026 Rate History No change since Oct 6, 2026 · 6.88% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%

Garden Savings FCU Auto Loan Rates

Product	Rate	Points	APR	Term
New Vehicle Loans	-	-	4.24%	24 Months
Details As Low As; 100% Financing, including Tax, Title and Registration. Last Updated 10/14/2026 Rate History No change since Oct 6, 2026 · 4.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
New Vehicle Loans	-	-	4.49%	36 Months
Details As Low As; 100% Financing, including Tax, Title and Registration. Last Updated 10/14/2026 Rate History No change since Oct 6, 2026 · 4.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
New Vehicle Loans	-	-	4.74%	48 Months
Details As Low As; 100% Financing, including Tax, Title and Registration. Last Updated 10/14/2026 Rate History No change since Oct 6, 2026 · 4.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
New Vehicle Loans	-	-	4.99%	60 Months
Details As Low As; 100% Financing, including Tax, Title and Registration. Last Updated 10/14/2026 Rate History No change since Oct 6, 2026 · 4.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
New Vehicle Loans	-	-	5.24%	72 Months
Details As Low As; 100% Financing, including Tax, Title and Registration. A minimum of $12,000.00 financing is required for New Vehicle Loans with a term of 72 Months. Last Updated 10/14/2026 Rate History No change since Oct 6, 2026 · 5.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
New Vehicle Loans	-	-	5.24%	84 Months
Details As Low As; 100% Financing, including Tax, Title and Registration. Last Updated 10/14/2026 Rate History No change since Oct 6, 2026 · 5.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%

Garden Savings FCU Credit Card Rates

Product	Rate	APR
Premier Rate Mastercard	-	8.00%
Details Published APR range: 8.00%-18.00%. As Low As; Fixed APR as low as 8.00%-18.00% for purchases, balance transfers, and cash advances; rate determined by credit score and credit worthiness Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 8.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
CashBack Plus Mastercard	-	14.75%
Details Published APR range: 14.75%-18.00%. As Low As; Variable APR; APR for Purchases, Balance Transfers and Cash Advances all 14.75%-18.00%; Rate determined by credit score and credit worthiness; tied to Prime Rate as published by the Wall Street Journal plus an index Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 14.75% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%

Garden Savings FCU Personal Loan Rates

Product	APR	Term	View More
Personal Loan (including Debt Consolidation)	10.99%
Details As Low As; Rates Determined by Credit Worthiness. All rates quoted are best rate available. Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 10.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%

Garden Savings FCU Other Rates

Product	Rate	Points	APY/APR	Term
Credit Builder Loan	-	-	2.80%
Details As Low As; Rates Determined by Credit Worthiness. All rates quoted are best rate available. Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 2.80% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
First Mortgages - Refinance	7.00%	0	7.058%	30 Years
Details Conforming refinance; APR based on $200,000 loan, no fees, 30 days per diem interest; APRs are estimates and vary by loan amount Last Updated 10/14/2026 Rate History 1 change since Sep 18, 2026 · 6.93% → 7.06% ▲ 0.13 pts · high 7.06% / low 6.93% Oct 14, 20267.06%▲ from 6.93% Sep 18, 20266.93%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
First Mortgages - Refinance	6.75%	0	6.822%	20 Years
Details Conforming refinance; APR based on $200,000 loan, no fees, 30 days per diem interest; APRs are estimates and vary by loan amount Last Updated 10/14/2026 Rate History 1 change since Sep 18, 2026 · 6.70% → 6.82% ▲ 0.13 pts · high 6.82% / low 6.70% Oct 14, 20266.82%▲ from 6.70% Sep 18, 20266.70%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
First Mortgages - Refinance	6.50%	0	6.621%	10 Years
Details Conforming refinance; APR based on $200,000 loan, no fees, 30 days per diem interest; APRs are estimates and vary by loan amount Last Updated 10/14/2026 Rate History 1 change since Sep 18, 2026 · 6.49% → 6.62% ▲ 0.13 pts · high 6.62% / low 6.49% Oct 14, 20266.62%▲ from 6.49% Sep 18, 20266.49%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Holiday Loan	-	-	9.25%
Details As Low As; Rates Determined by Credit Worthiness. All rates quoted are best rate available. Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 9.25% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Vacation Loan	-	-	9.25%
Details As Low As; Rates Determined by Credit Worthiness. All rates quoted are best rate available. Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 9.25% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
IRA 55+	0.25%	-	0.25%
Min Balance $0 Details Balance: Up to $9,999.99; Consult a tax advisor Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
IRA 55+	2.47%	-	2.50%
Min Balance $10,000 Details Balance: $10,000 and above; Consult a tax advisor Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 2.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
IRA Accumulator	0.60%	-	0.60%
Min Balance $40,000 Details Balance: $40,000+ Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.60% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
IRA Accumulator	0.50%	-	0.50%
Details Balance: Less than $40,000 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%

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 6.71% in Q3 2023 to 10.13% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. 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
June 30, 2026	$496M	10.13%	5.0	A
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

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 75

Part-Time Employees 7

Branch Locations 7

ATM Locations 7

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

10.13%

Return on Assets (ROA)

0.1301%

Return on Equity (ROE)

1.5384%

Non-Performing Loans Ratio (NPL)

1.29%

Total Assets

495,502,810

Total Amount of Shares and Deposits

423,282,605

Total Shares and Deposits < 1 Year

391,736,326

Total Shares and Deposits 1 3 Years

28,654,041

Total Shares and Deposits > 3 Years

2,892,238

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

10,081,263

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

10,081,263

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

413,201,342

Total Interest Expense (Sum of items 6 8)

4,531,599

Share Certificates

3,363

Number of Accounts for Share Drafts

14,820

IRA KEOGH Accounts

1,523

Number of Accounts for Regular Shares

34,690

All other shares

1,702

Non Member Deposits

Money Market Shares

331

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)

4,027,828

Total Liabilities

460,063,362

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Garden Savings FCU earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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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 CD4.00%
18-Month CD3.25%
24-Month CD3.00%
60-Month CD3.00%
Savings3.75%
MMA3.00%

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

Compare to Other Credit Unions

Garden Savings FCU Rates & Review October 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 Business Savings Rates

Garden Savings FCU Money Market Rates

Garden Savings FCU Business 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