Garden Savings Federal Credit Union

Headquarters: Parsippany, New Jersey
Charter: Credit Union
Assets: $495.5M
Fed district: New York

27 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 15, 2026.

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Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Garden Savings Federal Credit Union: No fee
Garden Savings Federal Credit Union: No fee
U.S. median: no median
NSF / Returned Item
Garden Savings Federal Credit Union: $32
Garden Savings Federal Credit Union: $32
U.S. median: no median
Wire Transfer (Domestic Out)
Garden Savings Federal Credit Union: $25
Garden Savings Federal Credit Union: $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 15, 2026View sources

Each amount links to the fee schedule it was read from. Medians for New Jersey, the New York district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
New Jersey: Banks and credit unions headquartered in New Jersey that publish the fee.
New York district: Banks and credit unions headquartered in the New York Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

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Published fee schedule

Amounts from Garden Savings Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Monthly Maintenance Fee (Basic / Platinum / Silver)No charge
per month
Money Market Service Fee (Daily balance less than $1,000)$10
Platinum Money Market Service Fee (Daily balance less than $10,000)$10
Escheat Fee (no activity for a 36-month period)$50
Inactivity Monthly Fee for Each Account (no activity in a 12-month period excludes accounts >$5,000)$10
per month
Account Reconciliation / Research Fee Per Hour ($10 min)$25
Not compared: Charged per hour; comparison unavailable
per hour
Payoff Request (in writing, via fax or mail)$25
Paper Statement Fee (Silver/Platinum Checking Per Month)$3
per month
Excess Transfers$5
Excess Withdrawals$5
per item
Incorrect Address (after 3 attempts)$25

Overdraft & NSF

Return Item for Insufficient Funds Fee (NSF)$32
Returned Item for Insufficient Funds (NSF)$32
Overdraft Sweep from another Deposit Account (per daily sweep)$3
Not compared: Daily charge, not per item
per day

ATM & Card

ATM Replacement Card (second occurrence)$10
ATM/Debit Card - Rush Order Card$50
Special Rush Card$50

Wire Transfers

Outgoing Wire - Domestic (within U.S.)$25
Incoming WireNo charge
Outgoing Wire - International (through U.S. Bank only)$40

Check Services

Cashier's Checks$5
Money Orders$10
Money Orders$1
ACH Stop Payment$25
Stop Payment - Money Orders$20
Stop Payment for Series of Checks$25
Stop Payment of Check$20
Item Sent for Collection$20
Copy of Check (one free per month)$2

Digital & Electronic

ACH Return Item$32
Internet Home Banking & Bill PayNo charge

Account Services

Notary ServicesNo charge
Notary Services (Per Signature)$2.50
per item
IRS and Sheriff's Levy$75
Account Verification / Consular Letter$10
Mortgage Processing Verification Letter$25

Lending Fees

Late Payment Fee (payments received after due date)$30

Gift & Prepaid Cards

Gift Cards$3

Other Fees

FedEx International Delivery$25
FedEx Next Day P.M. Delivery$30
FedEx Saturday Delivery$50
Loan / Document Service: FedEx Next Day A.M. Delivery$35
per item
Copy of Interim Statement$3
Document Copy$5

Fee	Amount	Basis	Note
Account Maintenance
Monthly Maintenance Fee (Basic / Platinum / Silver)	No charge	per month	None
Money Market Service Fee (Daily balance less than $1,000)	$10	Not stated	None
Platinum Money Market Service Fee (Daily balance less than $10,000)	$10	Not stated	None
Escheat Fee (no activity for a 36-month period)	$50	Not stated	None
Inactivity Monthly Fee for Each Account (no activity in a 12-month period excludes accounts >$5,000)	$10	per month	None
Account Reconciliation / Research Fee Per Hour ($10 min)	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Payoff Request (in writing, via fax or mail)	$25	Not stated	None
Paper Statement Fee (Silver/Platinum Checking Per Month)	$3	per month	None
Excess Transfers	$5	Not stated	None
Excess Withdrawals	$5	per item	None
Incorrect Address (after 3 attempts)	$25	Not stated	None
Overdraft & NSF
Return Item for Insufficient Funds Fee (NSF)	$32	Not stated	None
Returned Item for Insufficient Funds (NSF)	$32	Not stated	None
Overdraft Sweep from another Deposit Account (per daily sweep)	$3Not compared: Daily charge, not per item	per day	None
ATM & Card
ATM Replacement Card (second occurrence)	$10	Not stated	None
ATM/Debit Card - Rush Order Card	$50	Not stated	None
Special Rush Card	$50	Not stated	None
Wire Transfers
Outgoing Wire - Domestic (within U.S.)	$25	Not stated	None
Incoming Wire	No charge	Not stated	None
Outgoing Wire - International (through U.S. Bank only)	$40	Not stated	None
Check Services
Cashier's Checks	$5	Not stated	None
Money Orders	$10	Not stated	None
Money Orders	$1	Not stated	None
ACH Stop Payment	$25	Not stated	None
Stop Payment - Money Orders	$20	Not stated	None
Stop Payment for Series of Checks	$25	Not stated	None
Stop Payment of Check	$20	Not stated	None
Item Sent for Collection	$20	Not stated	None
Copy of Check (one free per month)	$2	Not stated	None
Digital & Electronic
ACH Return Item	$32	Not stated	None
Internet Home Banking & Bill Pay	No charge	Not stated	None
Account Services
Notary Services	No charge	Not stated	None
Notary Services (Per Signature)	$2.50	per item	None
IRS and Sheriff's Levy	$75	Not stated	None
Account Verification / Consular Letter	$10	Not stated	None
Mortgage Processing Verification Letter	$25	Not stated	None
Lending Fees
Late Payment Fee (payments received after due date)	$30	Not stated	None
Gift & Prepaid Cards
Gift Cards	$3	Not stated	None
Other Fees
FedEx International Delivery	$25	Not stated	None
FedEx Next Day P.M. Delivery	$30	Not stated	None
FedEx Saturday Delivery	$50	Not stated	None
Loan / Document Service: FedEx Next Day A.M. Delivery	$35	per item	None
Copy of Interim Statement	$3	Not stated	None
Document Copy	$5	Not stated	None

Correct a fee source

Oct 15, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

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