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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 Rates & Review July 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: June 29, 2026
GARDEN SAVINGS's CDs 18 month rates are at 3.75%, CDs 12 month rates are at 3.50%, CDs 6 month rates are at 3.50%, CDs 7 month rates are at 3.25%, CDs 2 Years rates are at 3.00%. GARDEN SAVINGS's savings rates are at 0.00%. GARDEN SAVINGS's money market rates are at 0.00%. GARDEN SAVINGS's First Mortgages (New Purchases * rates are at 5.75%, First Mortgages - Refinance rates are at 5.75%, First Mortgages - Refinance 10 Years rates are at 5.75%, First Mortgages (New Purchases * rates are at 5.75%, First Mortgages (New Purchases * rates are at 5.88%. GARDEN SAVINGS's Personal Loan Rates are at 10.99%. MonitorBankRates evaluates the financial stability of GARDEN SAVINGS with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 8.45%. Rates were last updated on 06/29/2026. GARDEN SAVINGS 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? Share your experience about GARDEN SAVINGS by leaving a review below, or read customer reviews before you decide to use GARDEN SAVINGS. 
GARDEN SAVINGS CD Rates
GARDEN SAVINGS Savings Rates
GARDEN SAVINGS Money Market Rates
GARDEN SAVINGS Checking Rates
GARDEN SAVINGS Mortgage Rates
GARDEN SAVINGS Home Equity & HELOC
GARDEN SAVINGS Credit Card Rates
GARDEN SAVINGS Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for GARDEN SAVINGS 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 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's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
GARDEN SAVINGS
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
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 yet. Feel free to create one below.
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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
Frequently Asked Questions About GARDEN SAVINGSHow many branches does GARDEN SAVINGS operate?GARDEN SAVINGS 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?Yes, to access services at GARDEN SAVINGS, 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 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 provides members with tools to manage their accounts and build a solid financial history. Does GARDEN SAVINGS offer online and mobile banking?Most modern institutions like GARDEN SAVINGS 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 Rates
Retrieved from our database of financial products. Rates subject to change.
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