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As the official credit union of Seton Hall, no one helps you show off your Pirate pride like Garden Savings FCU!

Key Features

  • Access to 85,000 Free ATMs
  • No Monthly Fees
  • No Minimum Balance
  • Referral Advantage Rewards

 Account Features:

  • Proudly offered to Seton Hall Affiliates
  • Checking that makes it easy for you to show your Pirate pride
  • Pays competitive dividends on balances of $750 or more
  • Identity theft services prodvided by EZ Shield
  • No monthly service fee
  • No minimum balance requirements
  • Unlimited debits/check writing
  • $5 minimum deposit to open
  • 0.25% off auto and personal loan rates!

Plenty of free conveniences that keep money management easy:

  • First box of checks free (only upon opening a new account)
  • Includes digital banking services:
    • Free online banking & bill pay
    • Free mobile banking with mobile deposit
    • Free e-statements
  • No ATM fees at any Garden Savings ATM location
  • Access to 85,000 surcharge-free ATMs via Allpoint® and CO-OP® ATM networks
  • Courtesy Pay Plus available
  • All domestic non-Garden Savings or unaffiliated network ATM surcharges reimbursed on the last day of the month

Stop by Our South Orange Branch

We're just down the road! Visit us at 15 Scotland Rd., South OrangeNJ 07079.


*Account holders and applicants for the SHU Pirate Pride Checking account must be aged 18-24 and/or affiliated with Seton Hall Univesity at the time of opening. Additional documentation may be requested to verify your affiliation.

  • Angela Crecca

    I couldn't ask for a better experience. 

  • Victoria Emeghara

    Your cashiers are amazing at doing their jobs.

  • Elizabeth Cotten

    I had a very pleasant experience

  • Tracy Craddock

    Great credit union, helpful employees, and excellent customer service.

  • Charlie Garcia

    Cordial, Professional and lots more..

  • Melba Betancurth

     Was able to help me with everything I needed! 

  • William Washington

    As always, it was Great! The team at the South Orange is great.

  • Jimmie Jones

    Garden savings is a great Credit Union!

  • Luzdary Hernandez

    Very formal, super customer service, all of them are beautiful people.

  • Jen & Bruce Sargeant

    Polite; we got what we needed to be done in one sitting.

  • Brandin Esposito

    Very knowledgeable and helpful.  Exceeding my expectations.