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Beach vacation, home renovation, new business — there’s so much to do. Turn to us when you’re ready to make it happen.

Key Features

  • Competitive Rates
  • Local Processing
  • Quick Decisions
  • Competitively low rates
  • Borrow up to $30,000 for almost any personal need
  • Does not require collateral backing (signature loan)
  • Minimum loan amount of $1,000
  • Repayment terms available up to 72 months
  • No application fee
  • Loan by Mail program available for members who wish to get a loan from across the country
  • Simple, hassle-free process supported by our local decision making and processing
  • Detail-oriented lending specialists who answer your questions in a timely fashion


Pay your loans from an outside account

  • Competitively low, fixed rates for the consolidation of your current debt
  • Borrow up to $30,000 to pay off:
    • Credit card debt
    • Installment loans
    • Educational loans
    • And more
  • Minimum loan amount of $1,000
  • Repayment terms available up to 72 months
  • No application fee
  • Streamline high loan and credit card rates to one manageable rate
  • Eliminate the need to pay multiple bills to multiple vendors
  • Simplify bill pay with a single payment
  • Help improve your credit score by consolidating your debt
  • Typically lower rates than unsecured loans due to collateral backing
  • Available for a number of personal needs or auto loans
  • Funds secured by other “share” savings account balances established with Garden Savings1
  • Portion of share balance not secured by the loan is available for withdrawal
  • Savings remain intact and incurring dividends, thus reducing the actual cost of your loan
  • Budget-friendly repayment terms
  • Helps establish or re-establish credit
  • The Annual Percentage Rate for your loan is the current savings rate plus 2.75%2
  • Borrow from $1,000-$3,000
  • Choose payback terms from 12-24 months
  • Funds are released to your savings account but frozen until such time as the loan is paid back
  • Loan is reported in the same fashion as any other loan Therefore
  • As you pay back the loan, this will reflect positively on your credit score3


  • We are happy to assist you with acheiving your goals to build or rebuild your credit. Please click below to read about our Free Certified Financial Counselors Program and set up an appointment today!

Learn More About The Certified Financial Counselors


Life is unpredictable. There are a wide range of unexpected events that could leave you and your family scrambling to pay monthly bills. In the event of death, disability or unemployment you wouldn't want your family to worry about making your loan payments. 

1Funds must be on deposit for a minimum of 90 days before being eligible to use as collateral toward share secured loan

2Current savings rate is 0.05%, so the rate would equal 2.80% APR. Subject to change. 

3Garden Savings Federal Credit Union cannot guarantee that this loan will boost your credit score in and of itself. There are many factors that influence credit scores and these factors come from a variety of different sources. While a credit re-builder loan, if managed properly, will affect your credit score positively, failure to manage other outstanding credit you have elsewhere could affect it negatively. In the event the loan is defaulted on, the funds that are frozen in your savings account will satisfy the balance of the loan and not be released to you. GARDEN SAVINGS IS AN EQUAL OPPORTUNITY LENDER.