Loan Rates as of: 04/01/2014

Valid Until Further Notice

SECURED LOANS  --- Rates Determined by Credit Worthiness.  All rates quoted are best rate available.
Loan Type APRs As Low As ...
NEW Vehicles, Boats, Motorcycles, etc.
100% Financing, including Tax, Title and Registration:
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%
Used Vehicles, Boats, Motorcycles, etc.
100% Financing, including Tax, Title and Registration:
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%
Share Secured
Regular Share Rate (+2.50%) 2.60%
   
 
   
* A minimum of $12,000.00 financing is required for New Vehicle Loans with a term of 72 Months.
** Restrictions apply.  Other rates apply for used vehicles with model years > 6 years old.

> BACK TO TOP

UNSECURED LOANS --- Rates Determined by Credit Worthiness.  All rates quoted are best rate available.
Loan Type Rate As Low As ... (APR)
 
Overdraft Protection Open-end Credit 12.50%
 
Personal Loan - Rates Based on Qualifications

10.50%

> BACK TO TOP

Visa Credit Cards
Credit Score Platinum Visa Card Rates (in APR)
680+ 8.00% 
640-679 9.00%
600-639 11.00%
550-599 14.50%
549 and under 18.00%
* View Visa Pricing and Terms Here

> BACK TO TOP

MORTGAGE PROGRAMS
Type Term RATE Points
Fixed 1st Mortgage 30-Year 4.500% 0
 Fixed 1st Mortgage 30-Year 4.375% 1
 Fixed 1st Mortgage 30-Year 4.250% 2
 Fixed 1st Mortgage 20-Year 4.250% 0
 Fixed 1st Mortgage 20-Year 4.125% 1
 Fixed 1st Mortgage 20-Year 4.000% 2
 Fixed 1st Mortgage 15-Year 3.750% 0
 Fixed 1st Mortgage 15-Year 3.625% 1
 Fixed 1st Mortgage 15-Year 3.500% 2
 Fixed 1st Mortgage 10-Year 3.500% 0
 Fixed 1st Mortgage 10-Year 3.375% 1
 Fixed 1st Mortgage 10-Year 3.250% 2
1/1 Year ARM 30-Year 2.750% 0
3/3 Year ARM 30-Year 2.875% 0

5/1 Year ARM

30-Year 3.125% 0
Add 0.125% to All Jumbo ARMs ($417,000+)      
       
JUMBO 1st Mortgage             10 Years                     3.750%                        0                  
JUMBO 1st Mortgage             15 Years 4.000% 0
JUMBO 1st Mortgage             20 Years 4.500% 0
JUMBO 1st Mortgage             30 Years 4.750% 0
Jumbo mortgages are defined as mortgages of $417,000+      
       
       
SECOND MORTGAGES    
    Term RATE
2nd Mortgage-Fixed   (Fixed Rate Home Equity Loans) 5-Year 3.25%
"A" Paper Rate 10-Year 3.75%
  15-Year 4.50%

 

90% and 100% LTV 2nd Mortgages also available.  Contact us for current rates.  90% LTV not available for credit scores below 640; 100% LTV not availabe for 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.

20-Year

5.25%

On the House Line of Credit
Term APR    
10-Year 3.16% Rate adjusts quarterly based on
6-Month T-Bill plus a margin,
 Rate quoted is "A-Paper" rate.
15-Year 3.75% Rate adjusts every 6/30 & 12/31 based
on Prime rate plus a margin. Rate quoted is "A-Paper" rate.
20-Year 4.00% 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 yrs)             4.25%                   <See above >

Your rate will be based upon your credit standing.
Floor Rates and other conditions apply. - Minimum Rate = 3.00% APR.

> BACK TO TOP

Deposit Rates as of 04/01/2014 - Valid Until Further Notice

SAVINGS ACCOUNTS

Account Type Rate APY Terms
Regular Share Account 0.10% 0.10% $250 Minimum Balance.
Kids Club Account 1.00% 1.00%  
Holiday Club 0.70% 0.70%  
Vacation Club 0.30% 0.30% No Withdrawal Restrictions
High Yield Savings     Minimum Daily Account Balance
to Earn Stated Dividend
  0.00% 0.00% $0.00-$999.99
  0.15% 0.15% $1000.00-$2499.99
  0.20% 0.20% $2500.00 and Greater
IRA Accumulator     Minimum Daily Account Balance
to Earn Stated Dividend
  0.80% 0.80% Less than $40,000.00
  0.90% 0.90% At least $40,000.00
*Stated rate applies to entire balance once tier level is reached.

> BACK TO TOP

CHECKING ACCOUNTS
Account Type Rate APY Terms
Diamond Checking 0.10% 0.10% No Monthly Service Charges
V.I.P. Account 0.10% 0.10% No Monthly Service Charges
To Earn Dividend, must maintain
$750 Minimum Daily Balance
Student Account 0.10% 0.10% No Monthly Service Charges
Senior Account
(Age 62 or older)
0.50% 0.50% No Monthly Service Charges
To Earn Dividend, must maintain
$750 Minimum Daily Balance
150 FREE Checks.

> BACK TO TOP

MONEY MARKET ACCOUNTS*
Account Type Rate APY Terms
Gold Money Market** 0.00% 0.00% $0.00 - $999.99
  0.25% 0.25% $1,000 - $14,999.99
  0.30% 0.30% $15,000 - $29,999.99
  0.35% 0.35% $30,000 - $49,999.99
  0.40% 0.40% $50,000 AND OVER
Platinum Money Market 0.00% 0.00% $0.00-$9,999.99
  0.30% 0.30% $10,000 - $49,999.99
  0.40% 0.40% $50,000 - $99,999.99
 

0.45%

0.50%

0.60%

0.70%

0.80%

0.45%

0.50%

0.60%

0.70%

0.80%

$100,000 - $199,999.99

$200,000 - $249,999.99

$250,000 - $499,999.99

$500,000 - $999,999.99

$1,000,000 and up

       
* $10 Monthly Fee applies for daily balances less than $1,000 (Gold Money Market) and less than $10,000 (Platinum Money Market).
$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.

> BACK TO TOP

SHARE CERTIFICATES / IRA SHARE CERTIFICATES

 - Rates Effective 04/01/2014- Valid Until Further Notice

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

0.40%

0.40%

7-Month

0.40%

0.40%

8-Month 0.45% 0.45%
9-Month 0.45% 0.45%

12-Month

0.60%

0.60%

18-Month 0.65% 0.65%
                       

2-Year

                       

1.00%

                       

1.00%

3-Year 1.25% 1.26%
4-Year 1.50% 1.51%
5-Year 1.75% 1.76%
  • $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.

> BACK TO TOP

FLEX-RATE CERTIFICATES OF DEPOSIT
Term Rate APY
1-Year 0.55% 0.55%
2-Year 0.90% 0.90%
3-Year 1.15% 1.16%
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.

> BACK TO TOP

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.