NJ based Credit Union a Trusted Financial Partner for Savings and Loans

Checking Accounts Packed With Super Savings Are Here

Unleash your financial superpowers with Garden Savings! Say goodbye to hidden fees and hello to freedom—no monthly fees, no minimum balances, and zero catches.

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From Wishlist to Reality with a Little Credit Union Magic.

Make your holiday wishes shine! Check out our Holiday Helpers—they're perfect for decking the halls!

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Banks Not Cutting It?

Time to break free! Open an IRA with Garden Savings Federal Credit Union and watch your money do a happy dance. Your future self will thank you!

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Get ready to celebrate our Grand Opening Events!

Swing by our newly branded locations in Sayreville and Brick, and don’t miss out on fantastic specials that’ll make you say, “Why didn’t I visit sooner?”

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GSFCU Advantage Rewards

Member Connection

Newsletter Fall 2025

Check out our fall newsletter! It's your backstage pass to see how your credit union is ready to sprinkle some holiday magic this season. Don't miss out!

Bigger than the big banks (thanks to CO-OP^® and Allpoint^®)

5,000 shared branches 85,000 free ATMs

Live for today. Plan for tomorrow.

Rate & Rewards Checking

Earn up to 5% and so much more...

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Share Certificate Rates

Are on the rise, start earning today.

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Low Introductory Rate

4.99% APR*

Home Equity Line

As low as

8.00% APR*

Credit Cards

As low as

4.74% APR*

Auto Loans

Great rates. All the time.

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LISTEN TO YOUR MONEY!

It wants to be here! - Learn why happy wallets can't get enough in 30 seconds!

Online Banking

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Checking Accounts Packed With Super Savings Are Here

From Wishlist to Reality with a Little Credit Union Magic.

Banks Not Cutting It?