{"slug":"garden-savings-federal-credit-union-accelerate-savings-rate","category":"bank","institutionSlug":"garden-savings-federal-credit-union","product":"Accelerate Savings","title":"Garden Savings Federal Credit Union Accelerate Savings: 3.75% APY","bonus":"3.75% APY","unit":"cash","amount":0,"reqShort":"No minimum balance, up to $15,000","expiresOn":null,"status":"live","verifiedOn":"2026-08-10","reports":0,"openIssues":0,"states":["NJ"],"referralGated":false,"hardPull":false,"chex":"Pending verification","fee":"","keep":"","posts":"","applyDomain":"gardensavingsfcu.org","applyUrl":"https://www.gardensavingsfcu.org/personal/personal-savings/accelerate-savings.html","summary":"Garden Savings Accelerate Savings earns 3.75% APY on balances up to $15,000, with no monthly maintenance fee. Balances over $15,000 earn 1.00% APY. This is an ongoing rate with no stated early withdrawal penalty.","reqSteps":[],"finePrint":["3.75% APY on balances up to $15,000","1.00% APY on balances over $15,000","No monthly maintenance fee"],"apy":375,"apyTerm":"ongoing APY on balances up to $15,000","listedOn":"2026-08-10","listedAt":"2026-08-10T13:08:41.630Z","memberReports":[],"history":[],"ruleIds":[],"sources":[{"label":"gardensavingsfcu.org rate page","url":"https://www.gardensavingsfcu.org/personal/personal-savings/accelerate-savings.html","checkedOn":"2026-08-12"}],"needsVerification":false}