Credit union · NCUA insured
Garden Savings FCU Savings Rates
Top CarrotGarden Savings FCU’s best savings rate is 1.35% APY on $10,000, with its Platinum Money Market. Rates checked October 22, 2026.
How Garden Savings FCU’s savings 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
3.75%APY
- Requires
- None
- Minimum
- $25
- Earns on $10,000 a year
- $375
Accelerate Savings
Top rate
Woori America Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $1,000
- Earns on $10,000 a year
- $500
2nd-highest rate
HSBC USA
4.40%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $440
Garden Savings FCU savings score
95
Savings score
Higher than 98% of U.S. banks and credit unions
- $1,000 balance$1,0003.75%
- $10,000 balance$10,0003.75%
- $100,000 balance$100,0001.85%
- QualifiedQualified3.75%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Accelerate Savings
3.75%APY
Minimum opening deposit of $25. Limit one account per tax ID. Membership eligibility applies. No monthly maintenance fees.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $15,000Applies to the first $15,000 on deposit (average balance). | 3.75% | $375 | Applies to the first $15,000 on deposit (average balance). |
| Over $15,000Applies to funds in excess of $15,000 (average balance). | 1.00% | — | Applies to funds in excess of $15,000 (average balance). |
Platinum Money Market
1.35%APY
$10 Monthly Fee applies for daily balances less than $10,000.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000$10 Monthly Fee applies for daily balances less than $10,000. | 0.00% | — | $10 Monthly Fee applies for daily balances less than $10,000. |
| $5,000 – $10,000$10 Monthly Fee applies for daily balances less than $10,000. | 0.50% | — | $10 Monthly Fee applies for daily balances less than $10,000. |
| $10,000 – $50,000$10 Monthly Fee applies for daily balances less than $10,000. | 1.35% | $135 | $10 Monthly Fee applies for daily balances less than $10,000. |
| $50,000 – $100,000$10 Monthly Fee applies for daily balances less than $10,000. | 1.60% | — | $10 Monthly Fee applies for daily balances less than $10,000. |
| $100,000 – $200,000$10 Monthly Fee applies for daily balances less than $10,000. | 1.85% | — | $10 Monthly Fee applies for daily balances less than $10,000. |
| $200,000 – $250,000$10 Monthly Fee applies for daily balances less than $10,000. | 2.10% | — | $10 Monthly Fee applies for daily balances less than $10,000. |
| $250,000 – $500,000$10 Monthly Fee applies for daily balances less than $10,000. | 2.60% | — | $10 Monthly Fee applies for daily balances less than $10,000. |
| $500,000 – $1,000,000$10 Monthly Fee applies for daily balances less than $10,000. | 2.85% | — | $10 Monthly Fee applies for daily balances less than $10,000. |
| $1,000,000 and up$10 Monthly Fee applies for daily balances less than $10,000. | 3.10% | — | $10 Monthly Fee applies for daily balances less than $10,000. |
Sources (1)
- gardensavingsfcu.org/d/senior-advantage-checking.html · captured Sep 19, 2026
Money Market
0.40%APY
$10 Monthly Fee applies for daily balances less than $1,000. All money market accounts include a complimentary check order for new accounts.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000$10 Monthly Fee applies for daily balances less than $1,000. | 0.00% | — | $10 Monthly Fee applies for daily balances less than $1,000. |
| $1,000 – $15,000$10 Monthly Fee applies for daily balances less than $1,000. | 0.40% | $40 | $10 Monthly Fee applies for daily balances less than $1,000. |
| $15,000 – $30,000$10 Monthly Fee applies for daily balances less than $1,000. | 0.45% | — | $10 Monthly Fee applies for daily balances less than $1,000. |
| $30,000 – $50,000$10 Monthly Fee applies for daily balances less than $1,000. | 0.55% | — | $10 Monthly Fee applies for daily balances less than $1,000. |
| $50,000 and up$10 Monthly Fee applies for daily balances less than $1,000. | 0.90% | — | $10 Monthly Fee applies for daily balances less than $1,000. |
Sources (1)
- gardensavingsfcu.org/d/senior-advantage-checking.html · captured Sep 19, 2026
High Yield Savings
0.50%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $1,000 | 0.00% | — |
| $1,000 – $2,500 | 0.30% | — |
| $2,500 and up | 0.50% | $50 |
Sources (2)
- gardensavingsfcu.org/personal/…/accelerate-savings.html
- gardensavingsfcu.org/personal/…te-rewards-checking.html
All captured Oct 22, 2026
Member Savings
0.05%APY
Membership eligibility applies. $5 minimum opening deposit. Balance minimum of $250 required to earn dividends. Fees may apply; refer to fee schedule.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $250 and up$250 minimum balance required to earn dividends.$250 and up | 0.05% | $5 | $250 minimum balance required to earn dividends. |
Sources (2)
- gardensavingsfcu.org/personal/…/accelerate-savings.html
- gardensavingsfcu.org/personal/…ings/member-savings.html
All captured Oct 22, 2026
Special-purpose accounts
IRA 55+
2.50%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $10,000 | 0.25% | — |
| $10,000 and up | 2.50% | $250 |
Sources (1)
- gardensavingsfcu.org/personal/…/accelerate-savings.html · captured Oct 22, 2026
IRA Accumulator
0.50%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $40,000 | 0.50% | $50 |
| $40,000 and up | 0.60% | — |
Sources (1)
- gardensavingsfcu.org/personal/…/accelerate-savings.html · captured Oct 22, 2026
Holiday Club
0.50%APY
Membership eligibility applies. Early withdrawal penalty is a forfeit of dividends earned up to 12 months.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.50% | $50 |
Kids Club Account
0.50%APY
Designed specifically for members under 18. Membership eligibility applies. Variable rate account.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.50% | $50 |
Vacation Club
0.10%APY
Membership eligibility applies. Early withdrawal penalty is a forfeit of dividends earned up to 12 months.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
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.