# Garden Savings Federal Credit Union Accelerate Savings: 3.75% APY

Canonical: https://dealaka.com/offers/garden-savings-federal-credit-union-accelerate-savings-rate

- Status: Limited reports
- Bonus: 3.75% APY
- APY: 3.75% (ongoing APY on balances up to $15,000)
- Requirement: No minimum balance, up to $15,000
- Expires: no published end date
- Availability: NJ (NJ)
- Institution: Garden Savings Federal Credit Union
- Verified: Aug 10, 2026 against gardensavingsfcu.org
- Field reports: 0

## 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.

## Requirements
1. Apply through the offer page to open the Accelerate Savings.
2. Complete the requirement: No minimum balance, up to $15,000.

## Fine print that matters
- 3.75% APY on balances up to $15,000
- 1.00% APY on balances over $15,000
- No monthly maintenance fee

## Sources
- gardensavingsfcu.org rate page <https://www.gardensavingsfcu.org/personal/personal-savings/accelerate-savings.html> (checked Aug 12, 2026)

_This entry is reference information, not financial advice. Confirm current terms on the institution's site before you apply._