Personal Savings


Set a goal and stick with it with the help of a certificate from Garden Savings. With fixed rates and predetermined maturity terms, it’s easy to know exactly what you’re saving and when. And higher rates than standard savings that increase with the length of your term make the wait that much more worthwhile. Back your goals with guarantee by selecting the term that works best for you today. 

  • Fixed rates, above standard savings
    • Dividends typically paid at maturity for terms less than 1 year
    • Dividends typically paid monthly for terms of 1 year or more
  • Receive an even higher rate by selecting a longer term
  • Locked-in rates provide more guarantee than other risky investments
  • No setup or maintenance fees
  • Early withdrawals subject to penalty*
  • $500 minimum deposit to open
  • NCUA insured
Flex-Term Certificates
  • Available in 1, 2 or 3 year terms
  • Allow you to bump up your rate to the prevailing Flex-Term Certificate rate one time during the life of your certificate upon request
  • While these certificates pay a slightly lower rate than our regular Certificates, they allow you to take advantage of better rates should rates increase during your term
  • You are allowed one rate bump per certificate during the given term

It's quick and easy to apply

* Penalty for early withdrawal for terms of eleven months or less -- loss of 90 days dividends earned. On terms of 1 year or greater, early withdrawal penalty is 180 days of dividends earned.