Gardensavings Federal Credit Union

Garden Savings Federal Credit Union, established in 1968 and headquartered in Parsippany, NJ, offers a comprehensive range of financial services designed to meet the diverse needs of its nearly 25,000 members nationwide. With total assets exceeding $436 million and a strong net worth of over $37 million, Garden Savings provides stability and personalized service under the leadership of CEO Michael Powers.
Members enjoy convenient access to ATM and cash withdrawal services, including basic ATM functions such as balance checks. Whether you’re financing a new vehicle with competitive auto loans or pursuing homeownership through tailored mortgage loans and refinancing options, Garden Savings supports your financial goals every step of the way. Personal banking solutions include flexible checking and savings accounts, credit cards with rewarding benefits, personal loans, and debt consolidation options designed to enhance financial wellness.
Business owners benefit from specialized merchant services and business loans aimed at fostering growth and success. With robust online and mobile banking platforms available 24/7, managing your finances is seamless no matter where you are. Experience the trusted partnership of Garden Savings Federal Credit Union—empowering members nationwide to achieve financial confidence and success. Visit https://www.gardensavingsfcu.org to learn more.

Type of Loan Offerings

home_equity_loans

Home Equity Loans

Program Name
Loan Type
APR
Term
Max Amount
CLTV
Link
Fixed Rate Home Equity Loans / Second Mortgages
2nd Mortgage Fixed (Fixed Rate Home Equity Loans)
6.375 %
5 Yrs
100 %
Fixed Rate Home Equity Loans / Second Mortgages
"A" Paper Rate (FICO 730+)
6.5 %
10 Yrs
100 %
Fixed Rate Home Equity Loans / Second Mortgages
"A" Paper Rate
6.75 %
15 Yrs
100 %
Fixed Rate Home Equity Loans / Second Mortgages
"A" Paper Rate
7 %
20 Yrs
100 %
mortgage_loans

Mortgage Loans

Loan Type
Product Type
Program Type
Rate
APR
Points
Term
Link
CONVENTIONAL
FIXED
10 Years
5.75 - 6.125 %
6.238 - 6.33 %
10.0 Yrs
CONVENTIONAL
FIXED
15 Years
5.875 - 6.25 %
6.26 - 6.361 %
15.0 Yrs
CONVENTIONAL
FIXED
20 Years
6.125 - 6.5 %
6.436 - 6.568 %
20.0 Yrs
CONVENTIONAL
FIXED
30 Years
6.375 - 6.75 %
6.552 - 6.802 %
30.0 Yrs
personal_loans

Personal Loans

Program Name
APR
Term
Amount
Link
Share secured
2.55 %
Credit builder loan
2.8 %
Vacation loan
9.25 %
Holiday loan
9.25 %
Personal loan (including debt consolidation)
10.99 %
Overdraft protection open-end credit
12.25 %
vehicle_loans

Vehicle Loans

Loan Program
Loan Type
APR
Term
Link
Auto
6 - 35 Months
4.74 %
0.5 Yrs - 2.9 Yrs
Auto
36 - 47 Months
4.99 %
3 Yrs - 3.9 Yrs
Auto
48 - 59 Months
5.24 %
4 Yrs - 4.9 Yrs
Auto
60 - 71 Months
5.49 %
5 Yrs - 5.9 Yrs
Auto
72 - 84 Months
5.74 %
6 Yrs - 7 Yrs

Introduction

Welcome to garden-savings, where our commitment to serving the community has been unwavering since our establishment in 1968. Located in the heart of Parsippany, NJ, we strive to empower our members through financial education and accessible banking solutions. Under the leadership of CEO Michael Powers and Board President Paul Mercer, we prioritize a member-first approach that fosters trust and long-term relationships. We take pride in being federally insured by NCUA since 1/4/1971 0:00, ensuring that your deposits are safe and secure.
At garden-savings, we understand the evolving needs of our members, which is why we offer a range of modern banking tools designed for convenience and accessibility. With services such as Online Banking, a user-friendly Mobile Application, Person-to-Person Transfers, E-Statements, Mobile Payments, and E-signature Authorization, managing your finances has never been easier. Our mission is to provide you with the resources you need to achieve your financial goals while enjoying personalized service every step of the way. For more information about us and our offerings, visit our official website at https://www.gardensavingsfcu.org or reach out via fax at (973) 402-0736. Join us today and experience the difference that dedicated service can make in your financial journey.

Financial Services

At Garden Savings, we understand that managing your finances is a journey that requires tailored solutions and support. Our comprehensive suite of services is designed to meet the diverse needs of our members, whether you're looking to navigate everyday banking, plan for significant life milestones, or grow your small business. We offer personal banking options like checking and savings accounts, as well as specialized services such as auto loans, mortgage loans, and personal loans for debt consolidation. Business owners can benefit from our merchant services and business loans, ensuring they have the necessary financial tools to thrive.
In today’s fast-paced world, digital access is more important than ever. That's why we provide robust online banking features that allow you to manage your finances from the comfort of your home or on the go through our mobile application. Our members enjoy convenient services such as person-to-person transfers, mobile payments, e-statements, and e-signatures, making it easier than ever to keep track of your financial activities and streamline transactions. For those considering loans or seeking competitive rates, our loan comparison tool at https://www.lendmesh.com/loans/personal_loans can help you make informed decisions.
Membership at Garden Savings is accessible and welcoming, designed with you in mind. To learn more about eligibility and how to join our community, please visit https://www.gardensavingsfcu.org/about-us/become-a-member.html. If you need personalized support or have any questions about our offerings, feel free to reach out via fax at (973) 402-0736. We are committed to empowering our members with the resources they need to achieve their financial goals while providing exceptional service every step of the way.

Financial Highlights

Garden Savings Federal Credit Union stands as a pillar of strength and reliability in the financial landscape, serving a vibrant community since 1968. With a remarkable Total Membership of 24,941, we are proud to foster a sense of belonging and support among our members. Our commitment to financial stability is underscored by our impressive Total Assets of 436,060,727 and a robust Net Worth of 37,507,226, which together reflect our solid foundation and prudent management.
At Garden Savings, we understand that trust is built on transparency and performance. Our Net Worth Ratio of 860 highlights our commitment to maintaining a healthy balance sheet, ensuring that we are well-equipped to meet the needs of our members. As we continue to grow, our focus remains on providing exceptional service, evidenced by our dedicated team of Total Employees, totaling 63, who are passionate about helping you achieve your financial goals.
Our diverse range of services, including personal banking options, auto loans, commercial loans, and credit cards with rewards, caters to various financial needs. With a total loan volume reflecting our commitment to lending, specifically in areas such as Credit Card Loan Volume at 5,454 and Auto Loan Volume at 11,136, we empower our members to realize their aspirations. Additionally, our responsible approach is illustrated through careful management of our Total Borrowings, currently standing at 38,000,000.
As part of the National Credit Union Administration's network, you can trust that performance insights and financial data are sourced from credible resources. We invite you to explore how Garden Savings Federal Credit Union can be your trusted partner in navigating your financial journey. Compare real-time loan offers today at https://www.lendmesh.com/loans/personal_loans and find the best rates for your needs.

Branch services Offered States

NJ

Branch Details

Services Offered

  • Personal Banking (Checking & Savings Accounts)
  • Auto Loans & Vehicle Financing
  • Mortgage Loans & Refinancing
  • Personal Loans & Debt Consolidation
  • Credit Cards with Rewards
  • Business Banking (Merchant Services & Business Loans)
  • Online & Mobile Banking
  • ATM & Cash Withdrawal Services
  • Basic ATM Access (Withdrawals, Balance Checks)

Services Offered

  • Personal Banking (Checking & Savings Accounts)
  • Auto Loans & Vehicle Financing
  • Mortgage Loans & Refinancing
  • Personal Loans & Debt Consolidation
  • Credit Cards with Rewards
  • Business Banking (Merchant Services & Business Loans)
  • Online & Mobile Banking
  • ATM & Cash Withdrawal Services
  • Basic ATM Access (Withdrawals, Balance Checks)

Services Offered

  • Personal Banking (Checking & Savings Accounts)
  • Auto Loans & Vehicle Financing
  • Mortgage Loans & Refinancing
  • Personal Loans & Debt Consolidation
  • Credit Cards with Rewards
  • Business Banking (Merchant Services & Business Loans)
  • Online & Mobile Banking
  • ATM & Cash Withdrawal Services
  • Basic ATM Access (Withdrawals, Balance Checks)

Services Offered

  • Personal Banking (Checking & Savings Accounts)
  • Auto Loans & Vehicle Financing
  • Mortgage Loans & Refinancing
  • Personal Loans & Debt Consolidation
  • Credit Cards with Rewards
  • Business Banking (Merchant Services & Business Loans)
  • Online & Mobile Banking
  • ATM & Cash Withdrawal Services
  • Basic ATM Access (Withdrawals, Balance Checks)

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