Type of Loan Offerings
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 %
Mortgage Loans
Loan Type
Product Type
Program Type
Rate
APR
Points
Term
Link
Personal Loans
Vehicle Loans
Introduction
Welcome to Garden Savings, your trusted financial partner in Dover, NJ! Located at 23 Prospect St, we have been serving our community since 1968. With a strong commitment to our members, we proudly support over 24,941 local families and businesses with personalized banking solutions. Our total assets of $436,060,727 reflect our stability and reliability in providing you with the financial services you need. At Garden Savings, we understand that each member has unique financial goals. That's why we offer a range of services, from checking and savings accounts to auto loans and business financing. Whether you're looking to buy your first car or seeking assistance for your small business, we're here to help you every step of the way. Our dedicated team of 63 employees, led by CEO Michael Powers and Board President Paul Mercer, is passionate about enhancing your banking experience. We prioritize your needs and are always ready to assist you with friendly service. While members can visit us at 23 Prospect St, official correspondence should be sent to the same address. Our doors are open during convenient hours: Monday to Thursday from 8:30 AM to 5 PM, Friday until 6 PM, and Saturday mornings until noon. With total deposits reaching $7,394,333 and a net worth of $37,507,226, Garden Savings is not just a credit union; we are a community-focused institution committed to helping our members thrive. Visit our website at Garden Savings FCU for more information on how we can assist you today! Ready to take the next step? Call us at 973-361-3770 or stop by our branch to discover how Garden Savings can help you achieve your financial dreams!
Branch History & Mission
Community Engagement
Our commitment extends beyond banking; we actively participate in community outreach efforts that strengthen the ties within Dover and surrounding areas. By partnering with local organizations and supporting charitable events, we aim to uplift those around us and create lasting change. As you explore your financial options or seek assistance with your goals, we invite you to join the Garden Savings family. Experience firsthand how being part of a community-focused credit union can benefit you whether you're looking for a checking account or seeking guidance on loans. For more information or assistance, call us at 973-361-3770 or visit us online at Garden Savings. Join us today and discover how together we can build a brighter financial future!
Our Evolution
Located at 23 Prospect St, Dover, NJ 07801, our branch has seen significant milestones that reflect our commitment to serving the community. From our early days focused on savings and loans to expanding our offerings to include personal banking, auto loans, mortgages, and business services, we have continually adapted to meet the evolving needs of our members. Even as we modernized with online and mobile banking options, we never lost sight of our core mission: supporting individuals and families in achieving their financial goals. While members can visit us at our branch address for all their banking needs, official correspondence should be directed to the same location: 23 Prospect St, Dover, NJ 7801.
Our Mission
At Garden Savings, our mission goes beyond just providing financial services. We are dedicated to fostering a sense of community by offering programs that promote financial literacy and support local initiatives. Our goal is to empower members through education and resources that help them make informed decisions about their finances. Whether it's through workshops or personalized consultations, we aim to make a positive impact on every member's life. We also take pride in being ADA compliant and ensuring that everyone has equal access to our facilities and services. With ATM availability for added convenience and a focus on customer-centric initiatives like mobile payments and online banking options, we strive to create an inclusive environment where everyone feels welcome.
Branch Location & Accessibility
Convenient Access and Nearby Landmarks
You can find us conveniently located near popular spots like the Dover Train Station and the Morris County Courthouse, which makes us a go-to destination for both residents and visitors alike. Our branch offers ample parking, ensuring that you can stop by without any hassle. We also prioritize accessibility with features such as ADA-compliant ramps, making it easy for everyone to visit us.
Get in Touch!
If you have questions or need assistance before your visit, don't hesitate to give us a call at 973-361-3770. We look forward to welcoming you at our Dover Branch! While members can visit us at 23 Prospect St for all their banking needs, please send any official correspondence to our mailing address at the same location: 23 Prospect St, Dover, NJ 07801. Come see how we can help you today!
Operating Hours Designed for You
Our doors are open during convenient hours to fit your busy schedule. Join us Monday through Thursday from 8:30 AM to 5 PM, Friday from 8:30 AM to 6 PM, and Saturday from 8:30 AM to noon. Whether you need assistance with checking accounts, auto loans, or credit card inquiries, our friendly staff is ready to assist you during these hours.
Services Tailored for Your Needs
At Garden Savings, we offer a wide range of services designed to meet your financial needs. From personal banking options like checking and savings accounts to various loan products including auto loans and mortgages, we have something for everyone. Plus, with ATM availability on-site, accessing cash is quick and straightforward.
Member Eligibility
At Garden Savings, we believe that becoming a member means joining a caring community that supports your financial journey. If you live, work, worship, or attend school in Morris County or the surrounding areas, you're likely eligible to join us! We welcome individuals and families who share our values and are looking for a more personalized banking experience. Our members enjoy benefits like lower fees, competitive loan rates, and access to a variety of services designed to help you succeed financially. Getting started is simple! You can learn more about the eligibility criteria by visiting our website at Garden Savings Membership Eligibility. When you're ready to take the next step, opening an account is just as easy check out the details at Open Your Account. If you have any questions or need assistance, feel free to give us a call at (973) 361-3770. We're excited to welcome you to the Garden Savings family!
Business Banking & Commercial Services
Financing Your Growth
Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $6 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $17 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $1,006,543, we continue to drive economic growth by financing new and expanding businesses.
Merchant Services That Matter
Imagine having a reliable partner for handling transactions seamlessly. Our merchant services provide businesses with tools to accept payments easily, whether in-store or online. This means you can focus on what you do best growing your business while we take care of the financial side. Located at 23 Prospect St Dover Nj 07801 in Dover, NJ, we're dedicated to helping local businesses thrive. Let's work together to make your business dreams a reality!
Comprehensive List Of Services
Business Banking
For our business members, we provide essential business banking services, including merchant services and business loans. These offerings help small businesses thrive by ensuring they have the financial support needed for growth and success.
Convenient Access
We understand the importance of accessibility in today's fast-paced world. That's why we offer ATM and cash withdrawal services, making it easy for you to access your money anytime. With basic ATM access for withdrawals and balance checks available at numerous locations, you'll never feel stranded without cash. In summary, at Garden Savings, we strive to meet all of your financial needs under one roof. We are here not just as a bank but as a partner in your financial journey. If you're ready to explore these services further or have any questions, don't hesitate to reach out at 973-361-3770 or visit us online at Garden Savings. We look forward to helping you achieve your financial goals!
Credit Cards
Our credit cards with rewards offer an excellent way to earn while you spend. Think about how quickly points can add up when making everyday purchases! From travel rewards to cashback offers, our credit cards are designed with your lifestyle in mind.
Home Financing
Considering buying a home or refinancing? Our mortgage loans and refinancing services are crafted to help you navigate the process smoothly. With personalized assistance, we aim to find the right mortgage solution for your situation, so you can focus on making your new house a home.
Personal Banking Solutions
For those managing day-to-day finances, our personal banking services include checking and savings accounts designed for convenience and ease of use. Imagine having access to your funds whenever you need them through our user-friendly online and mobile banking platforms. You can effortlessly transfer money, pay bills, and even check your balance from the comfort of your home or on-the-go.
Personal Loans
Life can sometimes throw unexpected expenses your way. Our personal loans and debt consolidation options provide flexibility when you need it most. Whether it's funding a special project or managing existing debts, we work with you to create a repayment plan that feels comfortable.
Vehicle Financing
When it's time to purchase a new vehicle, our auto loans and vehicle financing options make it easier than ever. Picture yourself driving off in your dream car with manageable monthly payments that fit your budget. We offer competitive rates and terms that help make owning a vehicle accessible for everyone.
Digital & Online Banking
Key Features
We're proud to offer electronic signature authorization, making it simple for you to complete transactions securely and efficiently. Plus, you can sign up for e-statements, allowing you to receive your account statements electronically no more paper clutter! If you're always on the move, our mobile application is perfect for you. With mobile payments enabled, making purchases has never been easier or faster. You can also send money directly to friends or family with our person-to-person transfer feature perfect for splitting bills or sending gifts.
Security and Support
Your safety is our top priority. We implement robust security measures to protect your information while ensuring that our services remain easy to use. If you ever have questions or need assistance, our dedicated team is just a phone call away at (973) 361-3770. At Garden Savings, we believe that banking should fit into your life seamlessly. Explore all these features and more by visiting us online at https://www.gardensavingsfcu.org. Experience the freedom of managing your finances with confidence today!
Financial Strength
Commitment to Growth
With $32,230,972 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity is robust with $31,064,709 in total loans and leases, including $5,568 in used auto loans. This variety supports our members' financial goals across different sectors.
Dedicated Team
We also take pride in having 61 full-time employees and 2 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable and committed team. Our operational efficiency reflects in our performance metrics; though our current net income is $0, we remain focused on providing competitive loan rates and solid financial products for our members.
Growing Membership Base
Total Share Accounts stand at 44,342, showcasing a strong and growing member base that trusts us with their finances. Our available funds for lending and investments amount to $1,394,028 in net shares. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Garden Savings is your trusted partner. Visit us at 23 Prospect St., Dover NJ 07801 or call 973-361-3770 to learn more about how we can help you achieve your financial goals.
Member Savings Secured
Members' savings are secured through $123,084,996 in share certificates and $14,858,409 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $40,932,127, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.
Solid Financial Foundation
With a net worth of $37,507,226, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 860 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.
Loan Offering
Auto Loans
Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $98,919,317 in used vehicle loans and $4,178,210 in new vehicle loans already helping members get on the road. We also provide refinancing options for existing auto loans to help you save even more.
Commercial Loans
For business owners, our outstanding commercial loans totaling $1,006,543 provide the capital needed to grow and expand. We understand the unique challenges businesses face and are committed to supporting local entrepreneurs. At Garden Savings Credit Union, we're here to help you navigate your options. Explore our loan offerings today and see how we can support your journey toward financial stability and growth. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Visit us online at Garden Savings for more information or to start your application!
Mortgage Loans
Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $70,535,932, make buying or refinancing simple. We're here to guide you through the process and answer any questions you might have about eligibility or terms.
Personal and Credit Card Loans
We also offer flexible terms on unsecured credit card loans, with a total of $3,606,085 in loans helping members manage their finances effectively. If you're looking for a way to consolidate debt or cover unexpected expenses, our personal loan offerings may be just what you need.
Loan Aggregator
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