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
At Garden Savings, we believe in building a stronger community through financial empowerment. Located at 129 Littleton Rd, Parsippany, NJ 07054, our branch has been serving members since 1968 with dedication and trust. With a proud membership of 24,941 individuals, we are committed to providing personalized financial solutions that cater to your unique needs. While you can visit us at our branch for all your banking needs, please direct any official correspondence to our mailing address: 129 Little Road, Parsippany, NJ 07054-1869. Our commitment to our members is reflected in our robust financial standing. We boast total assets of $436,060,727, supported by total deposits of $7,394,333 and a net worth of $37,507,226. Whether you're looking for auto loans or personal savings accounts, Garden Savings offers a variety of services tailored just for you. With 30,659 loans and leases provided to our members, we're here to help you achieve your financial goals. Under the leadership of CEO Michael Powers and Board President Paul Mercer, our dedicated team of 63 employees works tirelessly to ensure you receive the best service possible. You can reach us at 973-576-2000 for inquiries or simply stop by during our lobby hours from 9 AM to 4:30 PM. Discover how we can help you thrive financially by visiting us online at Garden Savings or calling us today! Let's work together towards a brighter financial future!
Branch History & Mission
Garden Savings has a rich history rooted in community and commitment. Established in 1968, our branch, located at 129 Littleton Rd, Parsippany, NJ, has grown significantly over the years. With a total membership of 24,941 and assets amounting to $436,060,727, we take pride in being a trusted financial partner for our community. From our humble beginnings to becoming a cornerstone of financial services in Parsippany, Garden Savings has always focused on serving our members with dedication. Over the years, we have expanded our services to include personal banking such as checking and savings accounts, auto loans, mortgages, credit cards with rewards, and business banking solutions. Our mission is clear: to provide accessible financial services while fostering community support. We strive to empower our members by helping them achieve their financial goals while contributing positively to the local community. We believe that when our members thrive, so does the community. While members can visit us at our physical location in Parsippany, official correspondence should be sent to 129 Littleton Road, Parsippany, NJ 07054-1869. Our team is available during operating hours from 9 AM to 4:30 PM on weekdays. We understand the importance of convenience; that's why we offer ATM availability for easy access to your funds. As part of our commitment to modern banking solutions, we have embraced digital advancements including online banking and mobile payments. Our goal is to ensure that all members can manage their finances easily and securely. We also take pride in actively engaging with the community through various outreach efforts and partnerships aimed at enhancing financial literacy and supporting local initiatives. Join us at Garden Savings and experience firsthand how we can help you navigate your financial journey with care and expertise. Your future starts here!
Branch Location & Accessibility
Convenience and Accessibility
At Garden Savings, we understand that convenience matters. That's why our location is designed with accessibility in mind. We offer ample parking right outside the entrance, and our facilities are ADA compliant, featuring ramps for easy access. For those who prefer to bank on the go, we have an ATM available for your cash withdrawal needs. While you can visit us at our branch for all your banking requirements, please note that official correspondence should be sent to our mailing address at 129 Littleton Road, Parsippany, NJ 07054-1869.
Operating Hours
We want to make banking as easy as possible for you! Our lobby hours are Monday through Friday from 9 AM to 4:30 PM. Feel free to drop by during these hours; our friendly staff is always ready to assist you with everything from opening accounts to discussing loans.
Services Tailored for You
At Garden Savings, we offer a range of services tailored to meet your financial needs. From personal banking solutions like checking and savings accounts to auto loans and mortgages, we have something for everyone. Although we do not have drive-thru banking available at this location, our team is dedicated to providing quick and efficient service inside the branch. We invite you to visit us or call at 973-576-2000 if you have any questions or need assistance. Come see how Garden Savings can help you achieve your financial goals!
Member Eligibility
At Garden Savings, we believe that becoming a member is about joining a warm and welcoming community where your financial goals are understood and supported. If you're looking to be part of something special, you'll be pleased to know that membership is open to anyone who lives, works, or worships in our local area. We also welcome family members of current members, making it easy for your loved ones to enjoy the same great benefits! To get all the details on eligibility criteria, feel free to visit our website at this link. Once you've confirmed your eligibility, opening an account with us is straightforward. You can start your journey towards better banking by applying online through our application portal. If you have any questions or need assistance during the process, don't hesitate to give us a call at (973) 576-2000. Join us at Garden Savings located at 129 Littleton Rd Parsippany Nj 07054, and let's work together towards achieving your financial dreams!
Business Banking & Commercial Services
Commercial Loan Options
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
Imagine being able to process payments swiftly and efficiently while focusing on what you do best running your business. Our merchant services offer practical solutions that simplify transactions, making it easier for your customers to pay. This can lead to faster sales and enhanced customer satisfaction. Visit us at 129 Littleton Rd, Parsippany, NJ 07054, or call us at 973-576-2000 to learn how our tailored business banking solutions can help you achieve your goals. Let's work together to build a prosperous future for your business!
Comprehensive List Of Services
Accessibility and Convenience
At Garden Savings, convenience is key. Our branch provides ATM services for quick cash withdrawals and balance checks whenever you need them. Plus, with features like person-to-person payments, sending money to friends or family is quick and hassle-free. To stay connected with us or learn more about our services, don't hesitate to reach out at 973-576-2000 or visit our website at Garden Savings FCU. We invite you to explore all that Garden Savings has to offer. Our team is ready to assist you in finding the right financial solutions tailored specifically for you!
Business Banking Services
For our business members, we have comprehensive business banking solutions, including merchant services and business loans. We know running a business comes with its challenges; that's why we're here to support you with the financial tools needed for growth and success.
Flexible Loan Options
In addition to auto and mortgage loans, we also offer personal loans and debt consolidation options. Life can bring unexpected expenses whether it's home repairs or medical bills and having access to personal loans can provide the peace of mind you need during those times. Our debt consolidation loans help simplify your finances by combining multiple debts into one manageable payment. Don't forget about our credit cards with rewards! These cards not only provide convenience but also offer benefits that can enhance your spending experience. Earn points or cashback on purchases, making every dollar count.
Personal Banking Solutions
Starting with personal banking, we offer various checking and savings accounts designed for your everyday needs. Imagine having easy access to your funds through online and mobile banking this allows you to manage your accounts anytime, anywhere. You can check balances, transfer money, and even pay bills with just a few taps on your phone. For those considering a new vehicle, our auto loans and vehicle financing options make it easier than ever to drive off in the car you want. We understand that buying a car is a significant decision, which is why we provide competitive rates and flexible terms. If you're thinking about purchasing a home or refinancing your current mortgage, our mortgage loans are tailored to help you achieve that goal. With personalized guidance from our knowledgeable staff, navigating the mortgage process becomes less daunting.
Digital & Online Banking
Mobile Payments Made Easy
In today's fast-paced world, mobile payments are essential. Our mobile payments feature allows you to make secure purchases directly from your smartphone no need to carry cash or cards! This flexibility helps you manage your expenses in real-time while keeping everything safe and secure. At Garden Savings, we're committed to providing our members with accessible, user-friendly digital banking solutions that enhance their financial lives. Explore all that we have to offer at https://www.gardensavingsfcu.org and take charge of your banking experience today!
User-Friendly Features
Our mobile application further enhances this convenience. You can download it easily to manage your accounts on the go. Want to send money to a friend? Use our person-to-person transfer feature for quick and hassle-free transactions. If you're someone who likes to keep track of your spending, our e-statements are a great option. They provide an organized overview of your account activity without the clutter of paper statements. Security is also a top priority for us. With electronic signature authorization available, signing documents has never been easier or safer. You can complete important transactions from the comfort of your home without worrying about compromising your personal information.
Financial Strength
Commitment to Innovation
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. This commitment enables us to support your financial goals effectively.
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, committed team. Total Share Accounts stand at 44,342, showing a strong and growing member base that trusts us with their finances. 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 129 Littleton Rd Parsippany Nj 07054 or call (973) 576-2000 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.
Focused on Members
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.
Supporting Your Financial Journey
Our lending capacity is robust; with $5,568 in used auto loans and $310,647,090 in total loans and leases, we are well-equipped to help you finance your dreams. Our operational efficiency is reflected in our $0, allowing us to continue offering competitive loan rates and solid financial products for our members.
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 options for refinancing if you're looking to lower your monthly payments or reduce your interest rate.
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 cater to first-time buyers as well as those looking to refinance their existing mortgages. Our team can guide you through the eligibility requirements and help you find a plan that fits your budget.
Other Financing Options
For business owners, our outstanding commercial loans totaling $1,006,543 provide the capital needed to grow and expand your business. This option is perfect for entrepreneurs looking to invest in their future. If you're interested in any of our loan products or want more information about eligibility requirements and refinancing options available at Garden Savings, please feel free to reach out. You can contact us at 973-576-2000 or visit us at our branch located at 129 Littleton Rd Parsippany NJ 07054. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. We're here to help you every step of the way!
Unsecured 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. These cards come with various benefits to suit different spending habits and can be an excellent tool for building credit.
Loan Aggregator
Accurate Loan Comparisons
Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This careful sourcing guarantees that all loan offers presented on the platform are fair and transparent.
Benefits of Using LendMesh
- Verified Data: Loan offers come exclusively from legitimate financial institutions, which builds trust through transparency. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results, ensuring you see the best options available. - Real-Time Rate Comparisons: Users can access up-to-date loan rates from multiple institutions, making it easier to choose the option that best fits their needs. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This feedback highlights how effective and user-friendly LendMesh is for those seeking better loan options. Compare real-time loan offers today at LendMesh and find the best rates for your needs. Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.