Garden Savings Federal Credit Union, Parsippany-Troy Hills, NJ

I've been banking with them for many years now, and they have been great to do business with. They have provided me with low interest car loans as well as some low cost insurance...

I joined the credit union after my regular bank merged and customer service got worse. Garden Savings is the king of customer service. They have always been friendly and responsive. I always consider taking my financial business to this credit union one of the better decisions I’ve made. The only area that needs improvement is the quality of their debit cards -I’ve had instances where the chip can’t be read. The chip Apparently seems to deteriorate over time. I would suggest Garden Saving uses a different card manufacturer since this has been an ongoing issue. Other than that, I am a very satisfied customer.

Update: I got a call from the bank with options that will help out during a crisis so I am very about that. Previous Statement Review: The bank is not that bad but during the pandemic, you would have thought that this bank would be a little bit more lenient. I can honestly say I have been struggling with my bills, especially when the school district abruptly at the last minute (seriously) went to online learning December 2021 - January 2021. I couldn't keep track of my bills and tried to slow some down but some still got a way from me with all the extra in home expenses we had to face. I was being charged $32 courtesy pay fees which I had no idea existed. However, I vowed to straighten out my account but the fees kept racking up, even on charges as low as $3.00. You would think if they charge you a courtesy pay fee of $32 that the charge should be more that $32 that they cover. Small charges shouldn't even have a courtesy fee attached to it. Mind you, they charge you as soon as it comes in. Bank of America give you until 11:59pm to fund your account that's in the negative before they charge you a fee. I think I will go back to that bank in about a year. Credit Unions are good but very unforgiving.

Hands down absolute worst credit union to receive a loan through. None of their tellers know what they’re doing, they’re rude and super unhelpful. I’ve never had to deal with such unprofessionalism. Please do not waste your time and money with these people. I had to learn the hard way. Save yourselves!

By far the worst bank ever!!!! They are so messed up and disrespectful. They hire people that has no patience and yell and scream on the phone. They took my car for a payment that was $239 only and currently still in the same month of the current payment. So they actually took my car for October payment for owning them $239 and instead of calling me after loaning with them for 3 years they pull this only because i have bout 5 payments left with these jackass people!!!!!

I am not convinced that a AI bot can replace an actual person for good customer service. Familiarity and recognition between CU employees and customers is what helps Credit Unions stand out. Too difficult to get through to a live person.

I've been banking with Garden Savings for almost 4 decades. They are reliable and pleasant to do business with. You can find better interest rates in the market but I want to know who has my money.

A good place to start a savings account for the whole family. All banking options are available. The staff is very cordial and friendly. The service is always great.