Credit union · NCUA insured
Garden Savings FCU CD Rates
Top CarrotGarden Savings FCU’s best CD rate is 4.25% APY on a 13-month share certificate (CD). Terms run from 1 month to 5 years. Rates checked October 22, 2026.
How Garden Savings FCU’s CD rates compare
Compared with banks and credit unions near New York, NY-NJ, where Garden Savings FCU has the most branches. $10,000, best rate first.
This credit union’s best
Garden Savings FCU
4.25%APY
- Term
- 13 months
- Minimum
- $500
- Earns on $10,000
- $461
Share Certificates
Top rate
Liberty Bank of New Jersey
5.00%APY
- Term
- 4 months
- Minimum
- $1,000
- Earns on $10,000
- $164
2nd-highest rate
Palisades Credit Union
5.00%APY
- Term
- 11 months
- Minimum
- $500
- Earns on $10,000
- $457
Garden Savings FCU CD score
83
CD score
Higher than 62% of U.S. banks and credit unions
- 3–8 months3–8 mo3.50%
- 9–15 months9–15 mo4.25%
- 16–30 months16–30 mo3.25%
- 31–60 months31–60 mo3.00%
- QualifiedQualified4.25%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Garden Savings FCU ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share Certificates
Up to 4.25%APY · 15 terms
$500 minimum deposit required unless otherwise noted. For terms less than one year, interest is paid upon maturity (simple interest); for terms one year or greater, interest is paid monthly (compound interest). Early withdrawal penalties: 90 days dividends lost for terms under one year; 180 days dividends lost for terms of one year or longer. Promotional rates can be discontinued without notice. Fees could reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 1 monthInterest is paid upon maturity (simple interest). Early withdrawal penalty: loss of 90 days dividends earned | 0.30% | $2 |
| 3 monthsInterest is paid upon maturity (simple interest). Early withdrawal penalty: loss of 90 days dividends earned | 1.75% | $43 |
| 4 monthsInterest is paid upon maturity (simple interest). Early withdrawal penalty: loss of 90 days dividends earned | 1.75% | $58 |
| 5 monthsInterest is paid upon maturity (simple interest). Early withdrawal penalty: loss of 90 days dividends earned | 1.75% | $73 |
| 6 monthsInterest is paid upon maturity (simple interest). Early withdrawal penalty: loss of 90 days dividends earned | 3.50% | $173 |
| 7 monthsInterest is paid upon maturity (simple interest). Early withdrawal penalty: loss of 90 days dividends earned | 3.50% | $203 |
| 8 monthsInterest is paid upon maturity (simple interest). Early withdrawal penalty: loss of 90 days dividends earned | 2.75% | $183 |
| 9 monthsInterest is paid upon maturity (simple interest). Early withdrawal penalty: loss of 90 days dividends earned | 2.75% | $206 |
| 12 monthsInterest is paid monthly (compound interest). Early withdrawal penalty: 180 days of dividends earned | 4.05% | $405 |
| 13 monthsInterest is paid monthly (compound interest). Early withdrawal penalty: 180 days of dividends earned | 4.25% | $461 |
| 18 monthsInterest is paid monthly (compound interest). Early withdrawal penalty: 180 days of dividends earned | 3.25% | $491 |
| 24 monthsInterest is paid monthly (compound interest). Early withdrawal penalty: 180 days of dividends earned | 3.00% | $609 |
| 36 monthsInterest is paid monthly (compound interest). Early withdrawal penalty: 180 days of dividends earned | 3.00% | $927 |
| 48 monthsInterest is paid monthly (compound interest). Early withdrawal penalty: 180 days of dividends earned | 3.00% | $1,255 |
| 60 monthsInterest is paid monthly (compound interest). Early withdrawal penalty: 180 days of dividends earned | 3.00% | $1,593 |
Sources (2)
- gardensavingsfcu.org/personal/…/share-certificates.html
- gardensavingsfcu.org/services/tools/rates.html
All captured Oct 4, 2026
Special Promotional Share Certificates
4.00%APY · 1 term
Available from July 5th to July 10th. Minimum opening deposit of $500 in new money required. 'New funds' refers to money not on deposit at Garden Savings FCU in the past 90 days. Early withdrawal penalty: 180 days of dividends earned.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsAvailable from July 5th to July 10th. Minimum opening deposit of $500 in new money required ('new funds' not on deposit at Garden Savings FCU in past 90 days). Early withdrawal penalty: 180 days of dividends earned | 4.00% | $400 |
Sources (2)
- gardensavingsfcu.org/personal/…/share-certificates.html
- gardensavingsfcu.org/d/senior-advantage-checking.html
All captured Oct 4, 2026
Who can join Garden Savings FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Eligibility is open to people who live, work, worship, volunteer, attend school, or regularly conduct business in Newark, Jersey City, or Elizabeth.
Employers and groups
- Eligibility is open to employees or members associated with sponsor companies or Select Employer Groups in the field of membership.
- Eligibility is open to residents of New Jersey, New York, or Pennsylvania who become members of the American Consumer Council.
Family and household
- Eligibility is open to immediate family members of existing members as well as persons who reside in their households.
Cost to join
- Opening a Membership Savings account with at least $5 secures membership.
Membership information collected October 5, 2026.