Garden Savings rates: up to 5.00% APY
credit union · NCUA CHARTER 18710 · www.gardensavingsfcu.org/
Savings
| Product | Term / tier | Rate | Basis | Checked | History | Change |
|---|---|---|---|---|---|---|
| Accelerate Savings | the first $15,000 on deposit in the account (average balance) | 3.75% | APY | checked 1 Nov 2026 | since 2026-11-01 | |
| Accelerate Savings | on funds in excess of $15,000 (average balance) | 1.00% | APY | checked 1 Nov 2026 | since 2026-11-01 | |
| Holiday Club | 0.50% | APY | checked 1 Nov 2026 | since 2026-11-01 | ||
| Kids Club Account | 0.50% | APY | checked 1 Nov 2026 | since 2026-11-01 | ||
| Member Savings | 0.05% | APY | checked 1 Nov 2026 | since 2026-11-01 | ||
| Vacation Club | 0.10% | APY | checked 1 Nov 2026 | since 2026-11-01 |
CDs
| Product | Term / tier | Rate | Basis | Checked | History | Change |
|---|---|---|---|---|---|---|
| 1-Month Share Certificate | 30 Days | 0.30% | APY | checked 1 Nov 2026 | since 2026-11-01 | |
| 3-Month Share Certificate | 3 Months | 1.75% | APY | checked 1 Nov 2026 | since 2026-11-01 | |
| 4-Month Share Certificate | 4 Months | 1.75% | APY | checked 1 Nov 2026 | since 2026-11-01 | |
| 5-Month Share Certificate | 5 Months | 1.75% | APY | checked 1 Nov 2026 | since 2026-11-01 | |
| 6-Month Share Certificate | 6 Months | 3.50% | APY | checked 1 Nov 2026 | since 2026-11-01 | |
| 7-Month Share Certificate | 7 Months | 3.50% | APY | checked 1 Nov 2026 | since 2026-11-01 | |
| 8-Month Share Certificate | 8 Months | 2.75% | APY | checked 1 Nov 2026 | since 2026-11-01 | |
| 9-Month Share Certificate | 9 Months | 2.75% | APY | checked 1 Nov 2026 | since 2026-11-01 | |
| 1-Year Share Certificate | 12 Months | 4.05% | APY | checked 1 Nov 2026 | since 2026-11-01 | |
| 13-Month Share Certificate | 13 Months | 4.25% | APY | checked 1 Nov 2026 | since 2026-11-01 | |
| 18-Month Share Certificate | 18 Months | 3.25% | APY | checked 1 Nov 2026 | since 2026-11-01 | |
| 2-Year Share Certificate | 2 Years | 3.00% | APY | checked 1 Nov 2026 | since 2026-11-01 | |
| 3-Year Share Certificate | 3 Years | 3.00% | APY | checked 1 Nov 2026 | since 2026-11-01 | |
| 4-Year Share Certificate | 4 Years | 3.00% | APY | checked 1 Nov 2026 | since 2026-11-01 | |
| 5-Year Share Certificate | 5 Years | 3.00% | APY | checked 1 Nov 2026 | since 2026-11-01 |
Money market
| Product | Term / tier | Rate | Basis | Checked | History | Change |
|---|---|---|---|---|---|---|
| Platinum Money Market | $0 - $4,999.99 | 0.00% | APY | checked 1 Nov 2026 | since 2026-11-01 | |
| Platinum Money Market | $5,000 - $9,999.99 | 0.50% | APY | checked 1 Nov 2026 | since 2026-11-01 | |
| Platinum Money Market | $10,000 - $49,999.99 | 1.35% | APY | checked 1 Nov 2026 | since 2026-11-01 | |
| Platinum Money Market | $50,000 - $99,999.99 | 1.60% | APY | checked 1 Nov 2026 | since 2026-11-01 | |
| Platinum Money Market | $100,000 - $199,999.99 | 1.85% | APY | checked 1 Nov 2026 | since 2026-11-01 | |
| Platinum Money Market | $200,000 - $249,999.99 | 2.10% | APY | checked 1 Nov 2026 | since 2026-11-01 | |
| Platinum Money Market | $250,000 - $499,999.99 | 2.60% | APY | checked 1 Nov 2026 | since 2026-11-01 | |
| Platinum Money Market | $500,000 - $999,999.99 | 2.85% | APY | checked 1 Nov 2026 | since 2026-11-01 | |
| Platinum Money Market | $1,000,000+ | 3.10% | APY | checked 1 Nov 2026 | since 2026-11-01 |
Checking
| Product | Term / tier | Rate | Basis | Checked | History | Change |
|---|---|---|---|---|---|---|
| Basic Checking | 0.00% | APY | checked 1 Nov 2026 | since 2026-11-01 | ||
| Debit Rewards Checking | 0.00% | APY | checked 1 Nov 2026 | since 2026-11-01 | ||
| Platinum Checking | 5.00% | APY | checked 1 Nov 2026 | since 2026-11-01 | ||
| Silver Checking | 0.05% | APY | checked 1 Nov 2026 | since 2026-11-01 |
0 rates hidden because they were not re-checked in over 3 days. A row not re-checked for over 1 day is marked stale and never heads a ranking.
Sources and evidence
| Page | Last captured | Last result | Digest |
|---|---|---|---|
| www.gardensavingsfcu.org/services/tools/rates.html | 2026-11-02 04:23 UTC | ok | 7b3c73410da6 |