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 located at 15 Scotland Rd, South Orange, NJ 07079. Established in 1968, we have proudly served our community for over five decades, building strong relationships with our 24,941 members. At Garden Savings, we believe in empowering our members through personalized banking solutions that cater to their unique needs. As of now, our total assets stand at an impressive $436,060,727, demonstrating our commitment to maintaining a stable and secure environment for your finances. We manage a diverse portfolio of loans and leases totaling 30,659, and our total deposits amount to $7,394,333. With a net worth of $37,507,226 and cash in hand reaching $3,303,982, we are equipped to support your financial goals effectively. Our leadership team is dedicated to guiding you on your financial journey. Under the stewardship of CEO Michael Powers and Board President Paul Mercer, we ensure that every member receives the highest level of service and attention. Our team consists of 63 skilled employees who are here to assist you with all your banking needs. At Garden Savings, we offer a variety of services including personal banking accounts, auto loans, mortgage options, credit cards with rewards, and business banking solutions. Whether you're looking for ways to save or seeking financing options for a big purchase, we're here to help. While members can visit us at our branch location for assistance or inquiries, please note that official correspondence should be sent to the same address: 15 Scotland Rd, South Orange, NJ 7079. Feel free to give us a call at 973-761-7090 or visit our website at Garden Savings for more information on how we can help you achieve your financial dreams. Join us today and discover the difference that being part of a community-focused credit union can make!
Branch History & Mission
Commitment to Community
Over the years, we've strengthened our ties within the community through various outreach programs and partnerships aimed at supporting local initiatives. Whether it's hosting financial literacy workshops or sponsoring community events, we are dedicated to making a difference right here in South Orange. As technology continues to advance, so do we. Our branch is equipped with modern features like mobile payments and e-statements. We also prioritize accessibility by ensuring ADA compliance across our services. Garden Savings remains focused on innovation while maintaining the personal touch that has defined us since our inception. Our operating hours are designed for your convenience Monday through Wednesday from 8:30 AM to 5:00 PM, Thursday from 8:30 AM to 7:00 PM, Friday from 8:30 AM to 5:00 PM, and Saturday from 8:30 AM to 1:00 PM. Join us at Garden Savings and experience firsthand how we blend tradition with modern financial solutions. Together, let's continue building a brighter future for our community! For more information or to become a member today, please call us at 973-761-7090 or visit our website.
Our Mission
The mission of Garden Savings is simple yet profound: to provide quality financial services while fostering community support. We believe that banking should be about more than just transactions; it should enhance the lives of our members and contribute positively to the community. This ethos drives us to offer a range of services including personal banking, auto loans, mortgages, credit cards with rewards, and business banking solutions. While members can visit us at our branch location for all their banking needs, official correspondence should be sent to our mailing address at 15 Scotland Rd, South Orange, NJ 7079. We strive to ensure convenience for all our members by offering ATM availability and online banking options that empower them to manage their finances effortlessly.
Branch Location & Accessibility
Welcome to the Garden Savings South Orange Branch, your friendly neighborhood credit union located at 15 Scotland Rd, South Orange, NJ 07079. Our branch is easily accessible for all members of the community and those nearby. Whether you're heading to the vibrant downtown area or visiting local landmarks, we're just a short drive away! While members can visit us at 15 Scotland Rd, official correspondence should be sent to the same address. Our branch offers ample parking for your convenience and is designed with accessibility in mind, featuring ramps and other ADA-compliant facilities. We understand that your time is valuable, which is why we offer a variety of banking services tailored to meet your needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we're here to help you achieve your financial goals. Plus, with ATM availability on-site, you can easily access your funds whenever you need them. Our operating hours are designed to fit your busy schedule: Monday through Wednesday from 8:30 AM to 5:00 PM, Thursdays until 7:00 PM for those who need a little extra time, Fridays from 8:30 AM to 5:00 PM, and Saturdays from 8:30 AM to 1:00 PM. Whether you're stopping by for a quick transaction or looking for comprehensive financial guidance, our team is ready to assist you. If you have any questions or would like to learn more about our services, feel free to give us a call at 973-761-7090. We invite you to visit us at the Garden Savings South Orange Branch and experience personalized service that puts you first!
Member Eligibility
Becoming a member of Garden Savings is like joining a family where your financial needs are understood and prioritized. If you live, work, or worship in the areas we serve, you're already on the right path to membership! We welcome individuals who share our community values and are looking for personalized banking solutions. At Garden Savings, you'll enjoy a range of benefits, including competitive rates on loans and savings accounts, access to friendly financial advice, and a commitment to helping you achieve your goals. To learn more about eligibility criteria or to get started with the simple application process, feel free to check out our detailed guidelines at https://www.gardensavingsfcu.org/about-us/become-a-member.html. When you're ready to open an account, just visit us online at https://app.loanspq.com/apply.aspx?lenderref=gsfcu081920&list=xasa1s2sccvlplheblst, or give us a call at (973) 761-7090. We can't wait to welcome you to the Garden Savings community at 15 Scotland Rd South Orange Nj 07079!
Business Banking & Commercial Services
Business 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 accept payments seamlessly from customers at your store or online. Our merchant services offer practical tools that make transactions easy and efficient, allowing you to focus on what you do best running your business. From payment processing to point-of-sale systems, we provide solutions tailored to fit your operations. Visit us at 15 Scotland Rd South Orange Nj 07079 in South Orange, NJ or give us a call at (973) 761-7090 to learn more about how we can support your business journey!
Comprehensive List Of Services
Cash Access Made Easy
When it comes time for cash withdrawals, our ATM & Cash Withdrawal Services ensure you're covered. With basic ATM access available for balance checks and withdrawals, getting cash when you need it is straightforward and hassle-free. At Garden Savings in South Orange, NJ, we believe in making banking simple and accessible for everyone. If you're ready to experience these services firsthand or want more information about how we can assist you with your financial journey, don't hesitate to reach out at 973-761-7090 or visit us at Garden Savings. We look forward to serving you!
Credit Cards and Business Solutions
Our Credit Cards with Rewards let you earn while you spend. Whether you're purchasing groceries or planning a vacation, each transaction brings you closer to rewards that can enhance your lifestyle. For local entrepreneurs and businesses, our Business Banking services include essential offerings like Merchant Services & Business Loans. We know how vital it is to have support when growing a business, so we're here to provide the financial tools necessary for success.
Digital Banking Convenience
In today's fast-paced world, convenience matters. That's why we offer robust Online & Mobile Banking features. You can check balances, transfer funds, and even pay bills from the comfort of your home or on-the-go using our user-friendly mobile app. Our members enjoy easy access to their accounts anytime they need it.
Loans Made Simple
If you're thinking about getting behind the wheel of a new car or refinancing your home, our Auto Loans & Vehicle Financing make the process straightforward and stress-free. Picture yourself driving off in that new vehicle sooner than you thought possible! For those looking to buy their first home or refinance an existing mortgage, our Mortgage Loans & Refinancing options are designed to fit various budgets and lifestyles. For unexpected expenses or consolidating debt, consider our Personal Loans & Debt Consolidation services. We understand life can throw surprises at you; that's why we're committed to offering flexible solutions that ease your financial burden.
Personal Banking Services
Managing your day-to-day finances has never been easier with our Personal Banking options. We offer Checking & Savings Accounts that help you save for your future while providing easy access to your funds. Imagine waking up and knowing you have a safe place for your money and that it's working for you through competitive interest rates.
Digital & Online Banking
Additional Features
If you're looking for flexibility in payments, our mobile payments feature allows you to make purchases directly from your phone, giving you the freedom to shop wherever and whenever you'd like. Additionally, our person-to-person transfer service makes it easy to send money to friends or family instantly. Our commitment to security means that all these services are protected with advanced security measures, ensuring that your information is safe while providing a user-friendly experience. With 24/7 online banking services available, you have the power to manage your finances on your own schedule. At Garden Savings, we're here to support you with modern solutions tailored for today's busy lifestyle. Explore everything our digital banking has to offer and take control of your financial journey today!
Key Services Available
With our online banking platform, accessible at https://www.gardensavingsfcu.org, you can handle all your banking needs from the comfort of your home. You can view your account balances, transfer funds, and even pay bills easily. Plus, our mobile application makes banking on-the-go simple and effective, allowing you to manage your finances whenever it suits you. Need to sign documents? Our electronic signature authorization feature ensures that you can complete transactions securely without needing to visit a branch. We also offer e-statements so you can keep track of your finances without the clutter of paper statements just another way we help make banking easier for you.
Financial Strength
Commitment to Service
Our operational efficiency is reflected in our $0, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 61 full-time employees and 2 part-time employees ready to assist you with knowledgeable service every day. Additionally, our net shares available for lending and investments stand at $1,394,028, reinforcing our ability to support your financial needs. With a total of 44,342 share accounts, it's clear that many members trust us with their finances.
Conclusion
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 15 Scotland Rd South Orange Nj 07079 or call (973) 761-7090 to learn more about how we can help you achieve your financial goals.
Investment in Your Future
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 impressive supporting your financial goals across various sectors with $5,568 in used auto loans and $310,647,090 in total loans and leases.
Member-Centric Savings
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 focus on benefiting you through better loan rates, lower fees, and exclusive perks.
Robust Financial Health
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. Whether you're considering a brand-new model or a reliable pre-owned vehicle, we have financing solutions that make sense for you.
Business Financing
For business owners, our outstanding commercial loans totaling $1,006,543 provide the capital needed to grow and expand. Whether you're starting a new venture or looking to enhance an existing one, our team is here to support your business ambitions.
Mortgage Options
Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $70,535,932. We make buying or refinancing simple by offering straightforward terms and guidance throughout the process.
Refinancing and Eligibility Options
If you're considering refinancing any of these products or want to know more about eligibility options for membership and loans, visit our website for detailed information or speak with one of our representatives. We're committed to making financial services accessible and beneficial for all our members. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. At Garden Savings, we aim to be your trusted partner in achieving financial success. Explore our loan offerings today and discover how we can assist you in reaching your goals!
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 competitive rates and benefits designed to give you the purchasing power you need without breaking the bank.
Loan Aggregator
Benefits of Using LendMesh
- Verified Data: All loan offers come from legitimate financial institutions. This ensures that users receive accurate information when comparing options. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions. Our goal is to provide unbiased results, allowing you to make informed decisions without outside influence. - Real-Time Rate Comparisons: The tool provides up-to-date loan rates from multiple institutions. This helps users quickly identify the best deals available. Thousands of users trust LendMesh for their loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This kind of feedback reinforces the value and reliability of the service. 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.*
How LendMesh Ensures Accurate 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 guarantees that you receive fair and transparent offers, reflecting the most current market conditions.