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Banks profit the most from businesses — but here, we leave the profit making to your business. Choose from a wide variety of accounts to keep you growing.

Key Features

  • Competitive Dividends
  • Friendly Local Service
  • Easy Access
  • Free, unlimited withdrawals and check deposits
  • $5 minimum deposit to open
  • $10 per month flat fee for account1
    • Accounts that maintain daily balance equal to or greater than $200 fee is waived1
  • Up to 150k cumulative cash deposits per month, $0.20 per $100 deposited therafter1
  • Free business debit card

Includes Better Business Merchant Services that enhances your business operations beyond your checking!

Merchant Services


1. Monthly account maintenance fee & excess cash deposit fee is waived for one-year from account opening effective September 2023 until further notice. Garden Savings FCU reserves the right to discontinue this promotion at any time.

  • Ideal for small business owners who want an easy-to-manage account
  • Free, unlimited monthly transactions
  • No minimum balance requirements
  • $20 per month flat fee for account
  • Free business debit card
  • $25 minimum deposit to open
  • Competitive rates, higher than standard savings1
    • Dividends start at balances of $10,000 or more
    • Dividend rate increases based on balance tiers
    • Dividends compounded monthly
  • Enjoy flexibility with enhanced access to funds including direct check writing:
    • Unlimited in-person withdrawals or by mail
    • No more than 6 withdrawals or transfers to another credit union account or third-party account
    • No more than 3 of the 6 transfers may be made by check, draft, debit card, or similar order to a third party
    • $10 fee per transaction in excess thereafter
  • Make deposits at any time or set up direct deposit
  • Insured up to $500k through NCUA and ESI

Only $1,000 Minimum Opening Balance Required -- to avoid a low monthly fee.

1The dividend rate and Annual Percentage Yield (APY) may change every dividend period. You must maintain a minimum daily balance of $1,000 in your account each day to avoid a monthly fee. Dividends earned on balance of $10,000 or more; highest tier of earnings rates at $1,000,000.

  • Larry Slavin

    Always friendly, excellent service, and rates.

  • Debra Gottsleben

    I love dealing with Garden Savings FCU!

  • Jasmine Norman

    Everyone goes above and beyond to help!

  • Olivia Soprano

    Great experience and great help!

  • Katharina Woelfl

    "My experience was good."

  • Oscar Romero

    "Excellent service, very professional and polite."

  • Rachid Laamal

    "Honest and best rates in town."

  • Moonika T

    "Easy sign up,good rates."

  • Eric Bogan

    "Good customer service!"

  • James Griffinn

    "I recommend everyone I know there."

  • Robert George Jr

    "Great service. They care about their members."