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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 Garden Savings today.

Key Features

  • Competitive Rates
  • Free Pre-Approval
  • Refinancing Available
  • Competitive rates for the purchase or refinance of a home
  • Available for primary residences and second homes
    • Flexible fixed-rate term options of 15, 20, or 30 years
    • Adjustable-rate (ARMs) option of 30 years1
    • Homebuyer special available to reduce application fees (see tab for more details)
  • Easy pre-approval process for additional confidence when shopping for a home
  • Refinance your current property to potentially lower your rate and monthly payments
  • Mortgage specialists with experience in the local real estate market
  • Simple, hassle-free process supported by our local decision making and processing
  • Detail-oriented mortgage specialists who answer your questions in a timely fashion 

Add an extra layer of protection

When it comes to securing your purchase, it’s nice to have additional peace of mind. Learn about the convenient coverage options our partners at TruStage Insurance can provide.


Pay your loans from an outside account2.

1The rate is fixed for a specific time period, and then is subject to change. We have one, three and five-year fixed periods available. Your rate can never increase more than 2% per year, with a life cap of 6% above the original rate.

2Please be advised that payments made from outside accounts take 2-4 days to post to your account.

  • Larry Slavin

    Always friendly, excellent service, and rates.

  • Debra Gottsleben

    I love dealing with Garden Savings FCU!

  • Jasmine Norman

    Everyone goes above and beyond to help!

  • Olivia Soprano

    Great experience and great help!

  • Katharina Woelfl

    "My experience was good."

  • Oscar Romero

    "Excellent service, very professional and polite."

  • Rachid Laamal

    "Honest and best rates in town."

  • Moonika T

    "Easy sign up,good rates."

  • Eric Bogan

    "Good customer service!"

  • James Griffinn

    "I recommend everyone I know there."

  • Robert George Jr

    "Great service. They care about their members."