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Member Savings

  • Establishes membership with Garden Savings
  • Competitive dividends paid on balances of $250 or more1
  • No monthly service fee or minimum balance requirements
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High Yield Savings

  • For members who regularly maintain a larger balance1
  • Competitive, tiered rates starting on balances of $1,000 or more
  • Receive a higher rate on larger balance tiers
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Accelerate Savings

  • For members who enjoy higher dividends and maintain higher balances1
  • Pays high dividends*
    • Earns 4.07% APY2 on balances up to $15,000
    • Earns 1.00% APY2 on balances over $15,000
  • No monthly maintenance fee
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Kids Club Savings

  • Available for our youngest members 18 and under1
  • Competitive rate paid on entire balance
  • No monthly service fee
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Club Accounts

  • Set aside year-round for the upcoming holiday season
  • Competitive dividends paid on entire balance1
  • No monthly service fee or minimum balance requirements
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Money Market Account

  • Competitive rates, higher than standard savings1
  • Enjoy flexibility with enhanced access to funds, including direct check writing
  • Includes digital banking services
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Share Certificates

  • Fixed rates, above standard savings
  • Receive an even higher rate by selecting a longer term
  • Locked-in rates provide more guarantee than other risky investments
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Individual Retirement Accounts (IRAs)

  • Competitive dividends above standard savings rates
  • Available in the form of an IRA Accumulator Account (a buildable savings account) or IRA share certificates
  • No setup fees, monthly fees, or annual maintenance fees
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