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Rates Calculator

Haven’t touched your savings in a few years? Cash in on a higher rate with a guaranteed share certificate. Get started with just $500.

Key Features

  • Fixed Rates
  • No Monthly Fees
  • 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
  • Additional deposit insurance in the amount of $250,000 provided through ESI
  • Click here to view our current rates
  • 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
  • Click here to view our current rates
  • Available for 9-Month Share Certificate
  • Earn more for a short-term.
  • Limited promotional rate offers may be discontinued without notice.
  • $500 opening deposit for this special share certificate.
  • 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.