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    Credit union mortgage rates
    Home state: New Jersey
    Open membership
    Lends in 3 states

    GARDEN SAVINGS mortgage rates

    GARDEN SAVINGS's lowest publicly advertised 30-year fixed rate today is 6.625% — the national average is 6.805%. That's about $17,204 saved over the life of a $400,000, 30-year loan. We track GARDEN SAVINGS daily and refresh rates every morning.

    Rates as of Sep 8, 2026

    Today's rates from GARDEN SAVINGS

    ProductRateAPRPointsAs ofSource
    30 Year Fixed6.625%6.871%2Sep 8, 2026Visit
    20 Year Fixed6.375%6.692%2Sep 8, 2026Visit
    15 Year Fixed6.25%6.644%2Sep 8, 2026Visit
    10 Year Fixed6.125%6.677%2Sep 8, 2026Visit
    3 Year ARM6.25%6.892%0Sep 8, 2026Visit
    5 Year ARM6%6.728%0Sep 8, 2026Visit
    10 Year Fixed Refinance6.375%6.493%0Sep 8, 2026Visit
    15 Year Fixed Refinance6.5%6.586%0Sep 8, 2026Visit
    20 Year Fixed Refinance6.625%6.695%0Sep 8, 2026Visit
    30 Year Fixed Refinance6.875%6.931%0Sep 8, 2026Visit
    Visit GARDEN SAVINGS's rates page

    Rate history

    Lowest daily rate GARDEN SAVINGS advertised for each product, past 90 days.

    Collecting data — the trend chart appears after a few days of tracking.

    Who can join GARDEN SAVINGS

    Membership is open to those who live, work, worship, or regularly conduct business in Newark, Jersey City, or Elizabeth, New Jersey. Immediate family members of current Garden Savings Federal Credit Union members are also eligible. Additionally, individuals residing in New Jersey, New York, or Pennsylvania can join Garden Savings by becoming a member of the American Consumer Council. The credit union also serves employees of specific sponsor companies and over 150 Select Employer Groups.

    Open membership. Anyone in the U.S. can join — no employer, geographic or association requirement.
    Association / SEG
    American Consumer Council
    City
    Newark, NJ, Jersey City, NJ, Elizabeth, NJ

    Where GARDEN SAVINGS writes mortgages

    GARDEN SAVINGS publishes mortgage lending in 3 states.

    New JerseyNew YorkPennsylvania

    Eligibility indicates likely eligibility only. Confirm membership and lending availability directly. See our methodology.

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