Skip to content

Rates effective as of November 1, 2020.*



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
Basic Checking 0.00% 0.00% No monthly service charges.
Silver Checking 0.05% 0.05% No monthly service charges. To earn dividend, must maintain $750 minimum daily balance to earn stated dividend rate. Free e-statements, if not enrolled in e-statements a monthly fee of $2.50 will be assessed for paper statements.
Platinum Checking     No monthly service charges. Up to $20 per month ATM rebate. ALL qualifiers must be met EACH month to earn dividends and ATM rebates - Qualifiers include: (1) Must be enrolled in e-statements (2) Must complete a minimum of 12 point-of-sale transactions (3) Must have either direct deposit of regular pay or a minimum of 1 ACH debit from account per month. In the event all qualifiers are not met, no penalties will be assessed but no ATM rebates are provided and the annual percentage yield on the entire account balance will be 0.01%.
Platinum Checking 2.25% 2.25% On the first $15,000 on deposit in the account (average balance), if all qualifiers met.
Platinum Checking 0.15% 0.15% On funds in excess of $15,000 (average balance), if all qualifiers met.
Platinum Checking 0.01% 0.01% On all funds if qualifiers are not met.
Student Checking 0.05% 0.05% No monthly service charges. $750 minimum daily balance to earn stated dividend rate.
Teen Checking 0.05% 0.05% No monthly service charges. $750 minimum daily balance to earn stated dividend rate.
SHU Pirate Pride Checking 0.05% 0.05% No monthly service charges. $750 minimum daily balance to earn stated dividend rate.
Senior Advantage Checking 0.20% 0.20% No monthly service charges. $750 minimum daily balance to earn stated dividend rate.

Savings Accounts

Account Rate APY Terms
Member Savings 0.05% 0.05% $250 minimum balance required to earn dividends.
Kids Club Account 0.50% 0.50% N/A
Holiday Club 0.50% 0.50% N/A
Vacation Club 0.25% 0.25% N/A

High Yield Savings Learn More

Balance Rate APY
$0 - $999.99 0.00% 0.00%
$1,000 - $2,499.99 0.10% 0.10%
$2,500+ 0.15% 0.15%

IRA Accumulator Learn More

Tier Rate APY
Less than $40,000 0.50% 0.50%
$40,000+ 0.60% 0.60%

Share Certificates Learn 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 0.40% 0.40%
7 Months 0.40% 0.40%
8 Months 0.40% 0.40%
9 Months 0.45% 0.45%
12 Months 0.55% 0.55%
18 Months 0.60% 0.60%
2 Years 0.65% 0.65%
3 Years 0.70% 0.70%
4 Years 0.80% 0.80%
5 Years 0.90% 0.90%
  • $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

*Limited time promotional rate.

Flex-Rate Certificates Learn More

Term Rate APY
1 Year 0.45% 0.45%
2 Years 0.60% 0.60%
3 Years 0.65% 0.65%

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 Market Learn More

Balance Rate APY
$0 - $999.99 0.00% 0.00%
$1,000 - $14,999.99 0.15% 0.15%
$15,000 - $29,999.99 0.20% 0.20%
$30,000 - $49,999.99 0.20% 0.20%
$50,000+ 0.20% 0.20%
  • $10 Monthly Fee applies for daily balances less than $1,000.
  • $5 per item fee for withdrawals in excess of 6 per month on both accounts.
  • All Money Market Accounts come with 150 FREE Checks.

Business Money Market Learn More

Balance Rate APY
$10,000-49,999 0.30% 0.30%
$50,000-99,999 0.40% 0.40%
$100,000-199,999 0.45% 0.45%
$200,000- 249,999 0.50% 0.50%
$250,000-499,999 0.50% 0.50%
$500,000-999,999 0.70% 0.70%
$1,000,000 and up 0.70% 0.70%
  • $10 Monthly Fee applies for daily balances less than $1,000.
  • $5 per item fee for withdrawals in excess of 6 per month on both accounts.
  • Earn Dividend $10,000 and up (based on your daily balance)

Platinum Money Market Learn More

Balance Rate APY
$0 - $9,999.99 0.00% 0.00%
$10,000 - $49,999.99 0.20% 0.20%
$50,000 - $99,999.99 0.25% 0.25%
$100,000 - $199,999.99 0.30% 0.30%
$200,000 - $249,999.99 0.30% 0.30%
$250,000 - $499,999.99 0.30% 0.30%
$500,000 - $999,999.99 0.30% 0.30%
$1,000,000+ 0.30% 0.30%
  • $10 Monthly Fee applies for daily balances less than $10,000.
  • $5 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 Loans Learn More

Loan Terms APRs as low as
6 - 35 Months 3.00%
36 - 47 Months 3.25%
48 - 59 Months 3.50%
60 - 71 Months* 3.75%
72 - 84 Months* 4.00%

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 Loans Learn More

Loan Terms APRs as low as
6 - 35 Months 3.00%
36 - 47 Months 3.25%
48 - 59 Months** 3.50%
60 - 71 Months** 3.75%
72 Months** 4.00%

100% Financing, including Tax, Title and Registration.

** Restrictions apply.

*** Subject to approval. Rate is only for vehicles purchased through the Enterprise Car Sales Everyday Advantage Program. For current offered promotion visit the Auto Buying Help portion of our Auto Loan page or inquire with a member of our Lending Department.

Personal Loans Learn More

Loan Type APR as low as
Share Secured 2.55%
Overdraft Protection Open-End Credit 11.50%
Personal Loan (including Debt Consolidation) 7.50%
Vacation Loan 6.90%
Holiday Loan 6.90%
Credit Builder Loan 2.80%

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

Visa Credit Cards Learn 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%

Balance Transfers: The same great rate you receive on your purchases applies to the balances you transfer to Garden Savings as well.  Best of all, we charge NO BALANCE TRANSFER FEES.  Inquire with a loan officer for more, 973-585-3162

View Visa pricing and terms.

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

Term Rate APR Points
30 Years 3.375% 3.397% 0
30 Years 3.250% 3.350% 1
30 Years 3.125% 3.302% 2
20 Years 3.125% 3.154% 0
20 Years 3.000% 3.138% 1
20 Years 2.875% 3.120% 2
15 Years 3.000% 3.036% 0
15 Years 2.875% 3.052% 1
15 Years 2.750% 3.066% 2
10 Years 2.875% 2.925% 0
10 Years 2.750% 3.005% 1
10 Years 2.625% 3.083% 2

*The rates stated above assume borrower has excellent credit (including a credit score of 740 or higher) and will be purchasing a single family home that will be their primary residence. Slightly higher rates apply for mortgages that fall outside of these parameters. Call 973-576-2000 prompt #3 for these alternate rates.

Special Limited Time Only Offer: $1,000 in closing costs refunded at closing on new purchase-money mortgages. May expire without notice.

First Mortgages - Refinance Learn More

Refinance Rates** Rate APR Points
30 Years 3.3750% 3.397% 0
20 Years 3.250% 3.154% 0
15 Years 3.000% 3.036% 0
10 Years 2.875% 2.925% 0

** The rates listed above are for conforming refinances with NO CASH OUT. These rates do not qualify for our $444 refinance closing cost promotion. If you wish to take advantage of our $444 total closing cost option, slightly higher rates apply. Please call 973-576-2000 prompt #3 for these rates. The $444 total closing cost promotion is for a limited time only and may expire without notice.

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 (Up to $750,000) Learn More

Type Term Rate APR Points
3/3 Year ARM 30 Years 2.750% 3.967% 0
5/1 Year ARM 30 Years 2.875% 4.011% 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 Learn More

Term APR as low as Adjustments
10 Years 3.00% Rate adjusts quarterly based on 6-Month T-Bill plus a margin. Rate quoted is "A-Paper" rate. Floor = 3%.
15 Years 3.00% 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 3.00% 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 7.25%.
30 Years 3.00% 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 7.25%.

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: 1.99% 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 3.00%
"A" Paper Rate 10 Years 3.25%
"A" Paper Rate 15 Years 3.50%
"A" Paper Rate 20 Years 4.00%

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.