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Loan Payment Options

Managing your loans responsibly can benefit your credit rating and potentially assist your future financial goals. There are various options for making your loan payments, including automatic payments, paying online, by mail, or at any Garden Savings location.

Make A Payment Online

To make a payment from a Garden Savings account sign into Online Banking to set up payment.

To make a payment from an outside instituion, our new, secure BillMatrix payment system offers-

  1. Pay as a Guest for a one-time payment.  Please note there is a $5 per transaction fee when paying as a guest.
  2. Pay as a Registered User for ongoing use and additional features such as setting reminders, scheduling payments and viewing payment history.  Once you register to use our payment site, you avoid the $5 per transaction fee that is charged when you pay as a guest.

To sign up to become a registered user click here.  Both payment options are accessible through the Online Services tab located at the top right hand corner.  

Automatic Payment via ACH

Set up automatic payments to be made on the due date of the loan and never worry about missing a payment.

To set up automatic payments, download, complete and submit the Automatic Payment Authorization Form (PDF)

Submit completed form via—

Email: [email protected]

Fax: 973-316-0317

Garden Savings Federal Credit Union
Attn: Electronic Services
129 Littleton Road
Parsippany, NJ 07054

Bill Pay

Make a payment through another institution’s bill pay service. Log into their website with your loan number and Garden Savings routing number, 221278954, to set up. Ensure your account number is correct to prevent any delays or errors with your payment being processed on time.

Recurring Payment from Garden Savings Account

To set up payment directly from your Garden Savings account contact our Lending Department (973-585-3162)

Mail Your Payment

Mail to:

Garden Savings Federal Credit Union
Attn: Lending Department
129 Littleton Road
Parsippany, NJ 07054

When mailing a check, please write your account number on the front of the check and include your loan coupon, if available.

In Person Branch Payment

Visit any of our branch locations or shared branching locations to make a payment in person.