Gardensavings Federal Credit Union

Garden Savings Credit Union proudly serves members across New Jersey with a full range of financial services designed to support your goals wherever you live in the Garden State. Members enjoy convenient ATM and cash withdrawal services, including basic ATM access for withdrawals and balance checks, ensuring your money is always within easy reach. Whether you’re managing everyday expenses or planning major purchases, Garden Savings offers secure online and mobile banking platforms that provide 24/7 access statewide.
New Jersey members benefit from competitive auto loans and vehicle financing options tailored to get you on the road confidently. Achieve your homeownership dreams with personalized mortgage loans and refinancing solutions crafted for New Jersey’s dynamic market. Personal banking includes flexible checking and savings accounts, credit cards with rewarding benefits, as well as personal loans and debt consolidation products designed to strengthen your financial health.
For business owners throughout New Jersey, Garden Savings provides specialized merchant services and business loans focused on fostering local growth. Beyond outstanding financial products, Garden Savings actively supports community programs promoting financial literacy and economic well-being across the state. Experience the value of membership with Garden Savings Credit Union—your trusted partner dedicated to empowering New Jersey residents at every stage of their financial journey.

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

At Garden Savings, our mission is to provide a community-focused, member-first approach to financial services across NJ. Under the leadership of CEO Michael Powers and Board President Paul Mercer, we are dedicated to enriching the lives of our members through personalized service and innovative solutions. We understand that modern banking needs to be convenient, which is why we offer a suite of features designed for today’s busy lifestyles. From electronic signature authorization and e-statements to mobile payments and a dedicated mobile app, our members enjoy seamless access to their accounts anytime, anywhere. With robust online banking capabilities and person-to-person payment support, managing your finances has never been easier. Join us at https://www.gardensavingsfcu.org or reach out via fax at 9734020736 to learn more about how Garden Savings can serve you and your financial needs.

Services & Financial Solutions

At Garden Savings, we understand that managing your finances is essential to achieving your personal and professional goals. That’s why we offer a comprehensive suite of services designed to meet the diverse needs of our members across New Jersey. Whether you’re looking to open a checking or savings account for everyday banking, financing a new vehicle, or securing a mortgage for your dream home, our friendly team is here to guide you every step of the way. With options like personal loans and credit cards that offer rewards, we empower you to make the most of your money while helping you navigate life's financial challenges.
In today’s fast-paced world, convenience is key. Our robust digital banking features allow you to manage your finances effortlessly from anywhere. With online banking and our user-friendly mobile application, you can check your balances, transfer funds, and pay bills at the touch of a button. Need to send money to a friend? Our person-to-person payment option makes it as simple as sending a text. Plus, with features like e-statements and electronic signatures, handling paperwork is quick and hassle-free. At Garden Savings, we’re committed to providing accessible and flexible financial solutions that fit seamlessly into your life, so you can focus on what truly matters—your future.

Why Choose Us

At Garden Savings in NJ, we believe that banking should be straightforward and welcoming. Becoming a member and opening an account is a breeze! We invite you to explore your membership eligibility by visiting this link. Our core values of trust, community engagement, personalized service, and financial reliability guide everything we do. Whether you're looking for personal banking solutions like checking and savings accounts or need support with loans and financing, our dedicated team is here to assist you every step of the way. We pride ourselves on being more than just a financial institution; we're your neighbors who care about your financial well-being. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov. Ready to take the next step? Compare real-time loan offers today at LendMesh and find the best rates for your needs!

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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