Garden State Federal Credit Union

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	ACCOUNT NAME
2.32%	5-year CD	60 Month Share Certificate 2.50% - Ally Bank High Yield 5 Year CD
1.32%	1-year CD	12 Month Share Certificate 2.10% - Goldman Sachs Bank USA High-yield 12 Month CD
0.15%	Savings	Personal Savings Account 1.30% - Nationwide Bank Online Savings Account

View all Garden State Federal Credit Union rates »

Overview / Commentary

gardenstatefcu.org

800-713-2274

144 W Route 38
Moorestown, NJ 08057-3223

Garden State Federal Credit Union is headquartered in MOORESTOWN and is the 56^th largest credit union in the state of New Jersey. It is also the 2,819^th largest credit union in the nation. It was established in 1960 and as of December of 2017, it had grown to 4,021 members at 2 locations. Garden State Federal Credit Union's money market rates are 48% higher than the national average, and it has a B health rating.

Field of Membership Restrictions

Membership is open to those who live, worship, work or attend school in Camden, Audubon Park, Gloucester City, Collingswood, Haddon, Palmyra, Mount Ephraim, Pennsauken, or Woodlynne. Membership is also open to employees of the credit union's select member group.
See current membership details

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Health

B

Data as of Q4 2017

Learn why bank health matters

Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Garden State Federal Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #	14015
Year Chartered	1960
Employees	0
Primary Regulator

Profit Margin
Return on Assets - YTD	0.2%
Return on Equity - YTD	1.93%
Annual Interest Income	$1.1MM

Assets and Liabilities
Assets	Q4 2017vs Q4 2016	$31.7MM$28.1MM
Loans	Q4 2017vs Q4 2016	$19.1MM$16.0MM
Deposits	Q4 2017vs Q4 2016	$28.6MM$25.4MM
Equity Capital	Q4 2017vs Q4 2016	$3.1MM$2.7MM
Loan Loss Allowance	Q4 2017vs Q4 2016	$165.00K$98.00K
Unbacked Noncurrent Loans	Q4 2017vs Q4 2016	$561.00K$373.00K
Real Estate Owned	Q4 2017vs Q4 2016	$0$0

Rates

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Savings
Money Market
Checking
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Garden State Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.15%^*	$5k^*	-	Primary Business Savings
OTHER TIERS: 0.05% → $250 - $5k
0.15%^*	$5k^*	-	Personal Savings Account
OTHER TIERS: 0.05% → $250 - $5k
0.05%	$250	-	Holiday/Vacation Club Account

Garden State Federal Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
0.65%^*	$100k^*	-	Platinum Money Market Savings Account
OTHER TIERS: 0.30% → $10k - $25k \| 0.40% → $25k - $50k \| 0.55% → $50k - $100k
0.65%^*	$100k^*	-	Platinum Money Market Checking Account
OTHER TIERS: 0.30% → $10k - $25k \| 0.40% → $25k - $50k \| 0.55% → $50k - $100k
0.40%^*	$100k^*	-	Business Money Market Checking
OTHER TIERS: 0.30% → $2,500 - $100k
0.35%	$10k	-	Gold Money Market Savings Account
0.35%^*	$50k^*	-	IRA Money Market Account
OTHER TIERS: 0.05% → $1k - $20k \| 0.15% → $20k - $50k
0.35%	$10k	-	Gold Money Market Checking Account
0.30%	$2,500	-	Silver Money Market Savings Account
0.30%	$2,500	-	Silver Money Market Checking Account

Garden State Federal Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.05%	$25k	-	Business Checking Account
0.01%	$2k	-	Primary Checking Account
0.01%	$2k	-	Other Checking Account

Garden State Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.32%^*	$50k^*	-	60 Month Share Certificate
OTHER TIERS: 1.82% → $1k - $20k \| 2.07% → $20k - $50k
2.12%^*	$50k^*	-	48 Month Share Certificate
OTHER TIERS: 1.62% → $1k - $20k \| 1.87% → $20k - $50k
1.87%^*	$50k^*	-	36 Month Share Certificate
OTHER TIERS: 1.36% → $1k - $20k \| 1.62% → $20k - $50k
1.72%^*	$50k^*	-	30 Month Share Certificate
OTHER TIERS: 1.22% → $1k - $20k \| 1.47% → $20k - $50k
1.57%^*	$50k^*	-	24 Month Share Certificate
OTHER TIERS: 1.06% → $1k - $20k \| 1.32% → $20k - $50k
1.42%^*	$50k^*	-	18 Month Share Certificate
OTHER TIERS: 0.90% → $1k - $20k \| 1.16% → $20k - $50k
1.32%^*	$50k^*	-	12 Month Share Certificate
OTHER TIERS: 0.80% → $1k - $20k \| 1.06% → $20k - $50k
1.21%^*	$50k^*	-	9 Month Share Certificate
OTHER TIERS: 0.70% → $1k - $20k \| 0.95% → $20k - $50k
1.06%^*	$50k^*	-	6 Month Share Certificate
OTHER TIERS: 0.55% → $1k - $20k \| 0.80% → $20k - $50k
0.80%^*	$50k^*	-	3 Month Share Certificate
OTHER TIERS: 0.30% → $1k - $20k \| 0.55% → $20k - $50k

Garden State Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
2.32%^*	$50k^*	-	60 Month IRA Certificate
OTHER TIERS: 1.82% → $1k - $20k \| 2.07% → $20k - $50k
2.12%^*	$50k^*	-	48 Month IRA Certificate
OTHER TIERS: 1.62% → $1k - $20k \| 1.87% → $20k - $50k
1.87%^*	$50k^*	-	36 Month IRA Certificate
OTHER TIERS: 1.36% → $1k - $20k \| 1.62% → $20k - $50k
1.72%^*	$50k^*	-	30 Month IRA Certificate
OTHER TIERS: 1.22% → $1k - $20k \| 1.47% → $20k - $50k
1.57%^*	$50k^*	-	24 Month IRA Certificate
OTHER TIERS: 1.06% → $1k - $20k \| 1.32% → $20k - $50k
1.42%^*	$50k^*	-	18 Month IRA Certificate
OTHER TIERS: 0.90% → $1k - $20k \| 1.16% → $20k - $50k
1.32%^*	$50k^*	-	12 Month IRA Certificate
OTHER TIERS: 0.80% → $1k - $20k \| 1.06% → $20k - $50k
1.21%^*	$50k^*	-	9 Month IRA Certificate
OTHER TIERS: 0.70% → $1k - $20k \| 0.95% → $20k - $50k
1.06%^*	$50k^*	-	6 Month IRA Certificate
OTHER TIERS: 0.55% → $1k - $20k \| 0.80% → $20k - $50k
0.80%^*	$50k^*	-	3 Month IRA Certificate
OTHER TIERS: 0.30% → $1k - $20k \| 0.55% → $20k - $50k

Locations

Garden State Federal Credit Union Locations
Branch Office	144 W ROUTE 38	MOORESTOWN, NJ 08057-3223
Branch Office	401 DELAWARE AVE	CAMDEN, NJ 08102

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