Garden Savings Federal Credit Union

Headquarters

129 Littleton Road
Parsippany, NJ 07054
See all branch locations →

Notable Rates APY Vs.Others
Savings 4.07% 5.50% →
1-Year CD 4.00% 4.80% →
2-Year CD 3.75% 4.25% →
5-Year CD 3.50% 4.00% →
30-Year Mortgage N.A. 4.91% →
15-Year Mortgage N.A. 4.39% →
HELOC N.A. 0.99% →

2024 Overview

General Credit Union Information

Garden Savings is an NCUA insured institution located in Parsippany, NJ. It was founded in 1968 and has approximately $436.55 millions in assets.

Who can join?

To join the credit union your must either be employed by a sponsor companies that is part of the Field of Membership, or you must live, work, worship, volunteer or attend school in Newark, Elizabeth, or Jersey City.

You may also join us if a member of your immediate family is a member of Garden Savings already.

NCUA Insured Yes / Federally Chartered
Charter Number # # 18710
Date Established 1968
Assets $436.55 million
Loans $313.55 million
Deposits $365.54 million
Capital $37.41 million
 

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.

Deposit Rates - November 12, 2024

Your Current Location: Ohio, OH 43085

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Accelerate
4.07% $0 $15,000 Learn More
SAV
0.30% $1,000 $2,499 Learn More
High Yield
0.50% $2,500 - Learn More
Accelerate
1.00% $15,001 - Learn More
Money Market
0.50% $1,000 $14,999 Learn More
Money Market
0.55% $15,000 $29,999 Learn More
Money Market
0.65% $30,000 $49,999 Learn More
Money Market
1.00% $50,000 - Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
3.75% $500 - Learn More
12 Mo CD
4.00% $500 - Learn More
13 Mo CD
3.85% $1,000 - Learn More
18 Mo CD
4.00% $500 - Learn More
24 Mo CD
3.75% $500 - Learn More
36 Mo CD
3.75% $500 - Learn More
48 Mo CD
3.75% $500 - Learn More
60 Mo CD
3.50% $500 - Learn More
Int Checking Rates APY MIN MAX
INTCK
0.05% $750 - Learn MoreShow Less

Loan Rates - November 12, 2024

Your Current Location: Ohio, OH 43085

There are currently no loan rates available for Garden Savings

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:



Featured - Ohio 30 Year Fixed Mortgage Rates 2024

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Pure Rate Mortgage
NMLS ID: 2578474
6.494% 6.375% 0.88 $4,010 $1,997 Learn More
PenFed Credit Union
NMLS ID: 401822
6.668% 6.500% 0.75 $5,600 $2,023 Learn More
Mutual of Omaha Mortgage, Inc.
NMLS ID: 1025894
6.981% 6.875% 0.88 $3,442 $2,103 Learn More
PADDIO
NMLS ID: 1907
7.068% 7.000% 0.75 $2,202 $2,129 Learn More

Featured - Ohio Home Equity Line Of Credit Rates 2024

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
Intro APR
7.490 %
After Intro: 7.490 %
$0 Learn More
More Info
Achieve Loans
Achieve Loans
See Table
Intro APR
9.250 %
After Intro: 9.250 %
$0 Learn More
More Info

Note to Garden Savings
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

Below are Garden Savings branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Columbus,Ohio


Garden Savings Locations around zip code 43085




Climate Policy and Initiatives

GARDEN SAVINGS is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.


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Financial Details

Garden Savings Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Garden Savings. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Garden Savings U.S. Average
12.53% 5.83

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of June 30, 2024, Garden Savings had $4,158,311 in non-current loans and $1,111,875 in owned assets. To cover these potential losses it had $37,410,851 in net worth and $4,657,151 in loans loss reserves. That gives it a Texas Ratio of 12.53%.

Net Worth
Garden Savings U.S. Average
8.57% 13.93%

Garden Savings FCU has a net worth of 8.57% versus the BestCashCow average of 13.93. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.



Customer Reviews for Garden Savings

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