Rates

Rates effective as of August 26, 2015.

APY = Annual Percentage Yield. Fees may reduce earnings.

Checking Accounts

Account Rate APY Terms
Diamond Checking 0.10% 0.10% No Monthly Service Charges.
VIP Checking 0.10% 0.10% No Monthly Service Charges.
To Earn Dividend, must maintain
$750 Minimum Daily Balance
Student Checking 0.10% 0.10% No Monthly Service Charges.
Senior Advantage Checking 0.50% 0.50% No Monthly Service Charges.
To Earn Dividend, must maintain
$750 Minimum Daily Balance

Savings Accounts

Account Rate APY Terms
Member Savings 0.10% 0.10% $250 minimum balance required to earn dividends.
Kids Club Account 1.00% 1.00%
Holiday Club 0.70% 0.70%
Vacation Club 0.30% 0.30%

High Yield Savings

Balance Rate APY
$0 - $999.99 0.00% 0.00%
$1,000 - $2,499.99 0.15% 0.15%
$2,500+ 0.20% 0.20%

IRA Accumulator

Balance Rate APY
Less than $40,000 0.80% 0.80%
$40,000+ 0.90% 0.90%

Share Certificates

Term Rate APY
30-day CD 0.20% 0.20%
3-Month 0.35% 0.35%
4-Month 0.35% 0.35%

5-Month

0.35%

0.35%

6-Month

0.50%

0.50%

7-Month

0.50%

0.50%

8-Month 0.50% 0.50%

9-Month

0.60% 0.60%

12-Month

1.00%

1.00%

18-Month 0.90% 0.90%
2-Year 1.50% 1.51%
3-Year 1.40% 1.41%
4-Year 1.60% 1.61%
5-Year 2.35% 2.38%
  • $500 Minimum
  • Rates subject to change daily
  • For terms less than one year, interest is paid upon maturity (simple interest).
  • For terms one year or greater, interest is paid monthly (compound interest).
  • Penalty for early withdrawal  for terms 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.
  • All rate offers subject to change without notice.
  • FEES COULD REDUCE EARNINGS
  • * Promo Rate

Flex-Rate Certificates

Term Rate APY
1 Year 0.90% 0.90%
2 Year 1.25% 1.26%
3 Year 1.30% 1.31%

Should the offered rate of the Share Certificate go up at anytime during its term, you may exercise your option one-time during the term of the Share Certificate for the higher rate.

Gold Money Market

Terms Rate APY
$0.00 - $999.99 0.00% 0.00%
$1,000 - $14,999.99 0.25% 0.25%
$15,000 - $29,999.99 0.30% 0.30%
$30,000 - $49,999.99 0.35% 0.35%
$50,000+ 0.40% 0.40%

$10 Monthly Fee applies for daily balances less than $1,000.
$10.00 per item fee for withdrawals in excess of 6 per month on both accounts.
All Money Market Accounts come with 150 FREE Checks.
Gold Money Market Account was previously referred to as our Standard Money Market Account.

Platinum Money Market

Terms Rate APY
$0.00 - $9,999.99 0.00% 0.00%
$10,000 - $49,999.99 0.30% 0.30%
$50,000 - $99,999.99 0.40% 0.40%
$100,000 - $199,999.99 0.45% 0.45%
$200,000 - $249,999.99 0.50% 0.50%
$250,000 - $499,999.99 0.60% 0.60%
$500,000 - $999,999.99 0.70% 0.70%
$1,000,000 and up 0.80% 0.80%

$10 Monthly Fee applies for daily balances less than $10,000.
$10.00 per item fee for withdrawals in excess of 6 per month on both accounts.
All Money Market Accounts come with 150 FREE Checks.

New Vehicle Loans

Loan Type APRs as low as
6 - 23 months 2.74%
24 - 35 months 2.74%
36 - 47 months 3.00%
48 - 59 months 3.25%
60 - 71 months* 3.49%
72 - 84 months* 3.74%

100% Financing, including Tax, Title and Registration.

* A minimum of $12,000.00 financing is required for New Vehicle Loans with a term of 72 Months.

Used Vehicle Loans

Loan Type APRs as low as
6 - 23 months 2.74%
24 - 35 months 2.74%
36 - 47 months 3.00%
48 - 59 months** 3.25%
60 - 72 months** 3.50%
Enterprise Car Sales - Auto Loans*** 2.50%

100% Financing, including Tax, Title and Registration.
** Restrictions apply. Other rates apply for used vehicles with model years > 6 years old.
*** Subject to approval. Rate quoted is for a five year loan and reflects a 0.75% discount off of regular GSFCU used auto rates plus a 0.25% deduction for automatic payment from a GSFCU checking account when purchasing an Enterprise Car Sales pre-owned vehicle.  Lower rates apply for shorter terms.

Personal Loans

Loan Type APR as low as
Share Secured 2.60%
Overdraft Protection Open-end Credit 12.50%
Personal Loan 10.50%

Rates Determined by Credit Worthiness. All rates quoted are best rate available.

Visa Credit Cards

Credit Score Platinum Visa Card Rate (in APR)
680+ 8.00%
640-679 9.00%
600-639 11.00%
550-599 14.50%
549 and under 18.00%

First Mortgages

Term Rate Points
30 Year 3.875% 0
30 Year 3.750% 1
30 Year 3.625% 2
20 Year 3.625% 0
20 Year 3.500% 1
20 Year 3.375% 2
15 Year 3.500% 0
15 Year 3.375% 1
15 Year 3.250% 2
10 Year 3.375% 0
10 Year 3.250% 1
10 Year 3.125% 2

Jumbo First Mortgages

Term Rate Points
10 Years 3.875% 0
15 Years 4.000% 0
20 Years 4.000% 0
30 Years 4.250% 0

Jumbo mortgages are defined as mortgages of $417,00 - $625,500. Mortgages from $625,500 up to $750,000 are only available as Adjustable Rate Mortgages.

Adjustable Rate 1st Mortgages

Type Term Rate Points
1/1 Year ARM 30 Year 2.750% 0
3/3 Year ARM 30 Year 2.875% 0
5/1 Year ARM 30 Year 2.990% 0

Home Equity Lines of Credit

Term APR
10 Year 3.08% Rate adjusts quarterly based on
6-Month T-Bill plus a margin,
Rate quoted is "A-Paper" rate.
15 Year 3.50% Rate adjusts every 6/30 & 12/31 based
on Prime rate plus a margin. Rate quoted is "A-Paper" rate.
20 Year 3.75% Rate adjusts every 6/30 & 12/31 based
on the Prime Rate plus a margin. Rate quoted is "A-Paper" rate.
Super Stretch HELOC (up to 30 years) 4.00% Rate adjusts every 6/30 & 12/31 based
on the Prime Rate plus a margin. Rate quoted is "A-Paper" rate.

Your rate will be based upon your credit standing. Floor Rates and other conditions apply. - Minimum Rate = 3.00% APR. 100% LTV Home Equity Loans are available.  Specific terms and restrictions apply.  Contact a loan officer for more details.  Only available in NJ, NY and PA.

Fixed Rate Home Equity Loans / Second Mortgages

Type Term Rate
2nd Mortgage Fixed (Fixed Rate Home Equity Loans) 5 Year 3.25%
"A" Paper Rate 10-Year 3.75%
"A" Paper Rate 15 Year 4.50%
"A" Paper Rate 20 Year 5.25%

90% and 100% LTV 2nd Mortgages and Home Equity Lines-of-Credit are also available. Contact us for current rates. High LTV loans are not available for FICO scores below 680.

Note that refinancing a previously existing Garden Savings loan incurs a loan modification fee. Consult a loan officer for details on internal refinances/repricing.

100% LTV Home Equity Loans are available.  Specific terms and restrictions apply.  Contact a loan officer for more details.  Only available in NJ, NY and PA.

Garden Savings FCU reserves the right to change the rates without notice if necessary. There are times when this update may be experiencing technical difficulties and may not be able to be updated in a timely fashion. APR = Annual Percentage Rate. Restrictions may apply. Rate determined by credit score. Other rates may apply. We attempt to keep this page as updated as possible. However, from time to time system maintenance and other circumstances may prevent us from doing so. Therefore any rates quoted on this web page are subject to change. We are not financially indebted for typographical errors.