Becoming a member of Garden Savings Federal Credit Union is full of advantages that are hard to find at traditional banks. When you become a member of Garden Savings, you become an owner as well. Each member of the credit union owns shares in our financial cooperative. As a not-for-profit institution, instead of pocketing profits, any would-be profits go back into the credit union in the form of: Lower loan rates Higher deposit rates A range of value-added educational, financial, and coverage product offerings Convenient access to your money