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What makes a house a home? Lots of love and a mortgage you can live with (and pay off). Finance your home with us and save with these great deals.

Key Features

  • Competitive Rates
  • Free Pre-Approval
  • Refinancing Available

Whether you're refinancing or purchasing we've got the right offer for you.

$1,000 Closing Cost Rebate

Buying a Home? For a limited time, Garden Savings is offering a $1,000 closing cost rebate1! Apply for your first mortgage today when shopping for a home and take advantage of this great offer before it's too late.

Call our mortgage department at 973-576-2000 for more details.


Refinance Your Mortgage for $444

It's Back! Our Mortgage Refinance spectacular has been reinstated. Refinance Your Mortgage for $444 ... and not a penny more.

Have you been waiting for the perfect time to refinance your first mortgage? Have rates been tempting you but closing costs have been holding you back? Well wait no more. You can now refinance your New Jersey home with total closing costs of $444 … and not a penny more.2

We are waiving all of the closing costs associated with our normal mortgage refinances except for this one-time fee of $4441. Plus, you'll have the confidence and peace of mind to know that you are working with people you trust at your own credit union and that you'll be getting a great low rate on your mortgage as well. In fact, mortgage rates remain at the lowest they've been in years.

This limited time only offer will not be around forever so contact our mortgage professionals today at 973-576-2000 and follow the prompts for the loan department to get the process started immediately. You can also apply online.





1 Closing cost rebate, in the amount of $1,000, will be received at the time of closing. This offer is for purchases only, refinances are not eligible.  Offer is subject to change or discontinuation.. Other terms and restrictions may apply.  

2This special program is available for the refinance of a single or two family, owner occupied home in NJ. $444 fee is due upon submission of application. Standard charges such as daily interest and escrow deposits are NOT considered closing costs and may be incurred by the member. Other restrictions apply. All loans subject to approval. Garden Savings is an equal opportunity lender. Maximum loan to value ratio on the property with the new loan cannot be greater than 80%. Other programs exist for properties in Pennsylvania and New York. Contact our loan department for details. All loans subject to approval. Rates determined by credit worthiness. We do business in accordance with the Federal Fair Housing Law.  We are an Equal Housing and Equal Opportunity Lender.  Available only for single-family, owner-occupied properties and approved condominiums. Minimum loan amount of $100,000. Investment properties and co-ops are not eligible. Applicant will be responsible at closing for payment of interim interest and for funding an escrow account for real estate taxes and insurance; real estate taxes, homeowner’s insurance and Private Mortgage Insurance if applicable may also apply. Applicant will also be responsible for payment of all settlement items between applicant, as buyer, and seller for the purchase of the applicant’s home, and for applicant’s attorney fees. Cannot be combined with other offers. Subject to credit approval and title qualifications. Additional terms and conditions apply. We require a 20% down payment on your purchase. Down payments less than 20% are acceptable but require the purchase of Private Mortgage Insurance (PMI).