Skip to content

Rates effective as of September 4 2018.*



APY = Annual Percentage Yield. APR = Annual Percentage Rate. Fees may reduce earnings.

NOTE: For all non-certificate accounts, rates may change after the account is opened.  Savings, Checking, IRA and Money Market accounts are variable rate accounts.

Checking Accounts

Account Rate APY Terms
Diamond Checking 0.10% 0.10%  No Monthly Service Charges.
VIP Checking 0.10% 0.10%  No Monthly Service Charges.To Earn Dividend, must maintain $750 Minimum Daily Balance to earn stated dividend rate
Student Checking 0.10%  0.10%  No Monthly Service Charges. $750 Minimum Daily Balance to earn stated dividend rate
Teen Checking 0.10% 0.10% No Monthly Service Charges. $750 Minimum Daily Balance to earn stated dividend rate
Senior Advantage Checking 0.50% 0.50% No Monthly Service Charges.To Earn Dividend, must maintain$750 Minimum Daily Balance

 

Savings Accounts

Account Rate APY Terms
Member Savings 0.10% 0.10% $250 minimum balance required to earn dividends.
Kids Club Account 1.00% 1.00% N/A
Holiday Club 0.70% 0.70% N/A
Vacation Club 0.30% 0.30% N/A

High Yield SavingsLearn More

Balance Rate APY
$0 - $999.99 0.00% 0.00%
$1,000 - $2,499.99 0.15% 0.15%
$2,500+ 0.20% 0.20%

IRA AccumulatorLearn More

Tier Rate APY
Less than $40,000 0.80% 0.80%
$40,000+ 0.90% 0.90%

Share CertificatesLearn More

Term Rate APY
30 Days 0.20% 0.20%
3 Months 0.35% 0.35%
4 Months 0.35% 0.35%
5 Months 0.35% 0.35%
6 Months 0.75% 0.75%
7 Months 0.75% 0.75%
8 Months 0.75% 0.75%
9 Months 0.75% 0.75%
12 Months 1.50% 1.51%
18 Months 2.50% 2.53%
2 Years 1.50% 1.51%
3 Years 3.00% 3.04% 
4 Years 1.85% 1.87%
5 Years 2.50% 2.53%
  • $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.
  • Fees could reduce earnings

Flex-Rate CertificatesLearn More

Term Rate APY
1 Year 1.40% 1.41%
2 Years 1.40% 1.41%
3 Years 2.75% 2.79%

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.

Money MarketLearn More

Balance Rate APY
$0 - $999.99 0.00% 0.00%
$1,000 - $14,999.99 0.25% 0.25%
$15,000 - $29,999.99 0.30% 0.30% 
$30,000 - $49,999.99 0.35% 0.35%
$50,000+ 0.40% 0.40%
  • $10 Monthly Fee applies for daily balances less than $1,000.
  • $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.

Platinum Money MarketLearn More

Balance Rate APY
$0 - $9,999.99 0.00% 0.00%
$10,000 - $49,999.99 0.30% 0.30%
$50,000 - $99,999.99 0.40% 0.40%
$100,000 - $199,999.99 0.45% 0.45%
$200,000 - $249,999.99 0.50% 0.50%
$250,000 - $499,999.99 0.60% 0.60%
$500,000 - $999,999.99 0.70% 0.70%
$1,000,000+ 0.80% 0.80%
  • $10 Monthly Fee applies for daily balances less than $10,000.
  • $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.

New Vehicle LoansLearn More

Loan Terms APRs as low as
6 - 23 Months 2.75%
24 - 35 Months 2.75%
36 - 47 Months 3.00%
48 - 59 Months 3.25%
60 - 71 Months* 3.49%
72 - 84 Months* 3.74%

 

100% Financing, including Tax, Title and Registration.

*A minimum of $12,000.00 financing is required for New Vehicle Loans with a term of 72 Months.

Used Vehicle LoansLearn More

Loan Terms APRs as low as
6 - 23 Months 2.75%
24 - 35 Months 2.75%
36 - 47 Months 3.00%
48 - 59 Months** 3.25%
60 - 71 Months** 3.50%
72 Months** 3.75%
Enterprise Car Sales - Auto Loans (5 years) *** 3.25%

 

100% Financing, including Tax, Title and Registration.

** Restrictions apply. Other rates apply for used vehicles with model years > 6 years old.

*** Subject to approval. Rate quoted is for a five year loan and reflects a 0.50% discount off of regular GSFCU used auto rates and a 0.25% deduction for automatic payment from a GSFCU checking account when purchasing an Enterprise Car Sales pre-owned vehicle. Lower rates apply for shorter terms. We run Enterprise promotions from time to time where rate may be discounted further.

Personal LoansLearn More

Loan Type APR as low as
Share Secured 2.60%
Overdraft Protection Open-End Credit 12.50%
Personal Loan 9.00%
Vacation Loan 6.90%
Holiday Loan 6.90%

 

Rates Determined by Credit Worthiness. All rates quoted are best rate available.

Visa Credit CardsLearn More

Credit Score Platinum Visa Card Rate (in APR)
680+ 8.00%
640 - 679 9.00%
600 - 639 11.00%
550 - 599 14.50%
549 and under 18.00%

First Mortgages (New Purchases up to $625,000*)Learn More

Term Rate APR Points
30 Years 4.625% 4.658% 0
30 Years 4.500% 4.743% 1
30 Years 4.375% 4.827% 2
20 Years 4.500% 4.554% 0
20 Years 4.375% 4.534% 1
20 Years 4.250% 4.522% 2
15 Years 4.375% 4.429% 0
15 Years 4.250% 4.450% 1
15 Years 4.125% 4.470% 2
10 Years 4.125% 4.198% 0
10 Years 4.000% 4.283% 1
10 Years 3.875% 4.365% 2

 

*Limited time only offer: $500 application fee refunded at closing on new purchase-money mortgages. May expire without notice.

Refinance Rates ($444 Promo)** Rate APR Points
30 Years 4.875% 4.910% 0
20 Years 4.750% 4.797% 0
15 Years 4.625% 4.683% 0
10 Years 4.375% 4.453% 0

 

** Limited time only.  Ask us about our $444 total closing cost offer on first mortgage refinances from other financial institutions.

All APRs are calculated using a loan amount of $200,000 / No fees / 30 days of per diem interest.  APRs are estimates and vary by loan amount.

Adjustable Rate 1st Mortgages

Type Term Rate APR Points
3/3 Year ARM 30 Years 3.250% 4.951% 0
5/1 Year ARM 30 Years 3.375% 4.804% 0

 

For Jumbo Adjustable Rate Mortgages (loans $417,000 and over), please add 0.125% to the stated rates above.

Home Equity Lines of Credit

Term APR Adjustments
10 Years 3.88% Rate adjusts quarterly based on 6-Month T-Bill plus a margin. Rate quoted is "A-Paper" rate. Floor = 3%.
15 Years 4.50% Rate adjusts every 6/30 & 12/31 based on Prime rate plus or minus a margin. Rate quoted is "A-Paper" rate. Floor=3%.
20 Years 4.50% Rate adjusts every 6/30 & 12/31 based on the Prime Rate plus a margin. Rate quoted is "A-Paper" rate. Floor = 3%. High LTV >80% option available for qualified borrowers; minimum rate 7.00%.
30 Years  4.50% Rate adjusts every 6/30 & 12/31 based on the Prime Rate plus a margin. Rate quoted is "A-Paper" rate.  Floor = 3%. High LTV >80% option available for qualified borrowers; minimum rate 7.00%.

 

We also offer Home Equity Lines-of-Credit and Loans with up to 100% LTV. Contact our Loan Department for current rates on High LTV lines-of-credit and fixed rate home equity loans.

Promotional Rate Limited Time Only: 2.90% APR on any Home Equity Line-of-Credit for the first six months.

Your rate will be based upon your credit standing. Floor Rates and other conditions apply. Minimum Rate = 3.00% APR. 100% LTV Home Equity Loans are available. Specific terms and restrictions apply. Contact a loan officer for more details. Only available in NJ, NY and PA.

Fixed Rate Home Equity Loans / Second Mortgages Learn More

Type Term Rate
2nd Mortgage Fixed (Fixed Rate Home Equity Loans) 5 Years 3.75%
"A" Paper Rate 10 Years 4.25%
"A" Paper Rate 15 Years 5.00%
"A" Paper Rate 20 Years 5.75%

 

90% and 100% LTV 2nd Mortgages and Home Equity Lines-of-Credit are also available. Contact us for current rates. High LTV loans are not available for FICO 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.  We do not charge a loan modification fee on mortgages, only on auto loans.

100% LTV Home Equity Loans are available. Specific terms and restrictions apply. Contact a loan officer for more details. Only available in NJ, NY and PA.


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.