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Garden State Federal Credit Union


Overview / Commentary
www.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 54th largest credit union in the state of New Jersey. It is also the 2,785th largest credit union in the nation. It was established in 1960 and as of September of 2019, it had grown to 3,940 members at 2 locations. Garden State Federal Credit Union's money market rates are 3X the national average, and it has a C+ health rating.

Field of Membership Restrictions

Garden State Federal Credit Union offers membership to retirees and employees of several Select Employer Groups. In addition, eligibility extends to those who work, worship, attend school or live in one of the following communities: Audubon Park, City of Camden, City of Camden, Gloucester City, Haddon, Mount Ephraim, Palmyra, Pennsauken and Woodlynne.
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Health
C+

Data as of Q3 2019

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 Chartered1960
Employees0
Primary Regulator
Profit Margin
Return on Assets - YTD0.54%
Return on Equity - YTD5.27%
Annual Interest Income$1.1MM
Assets and Liabilities
AssetsQ3 2019vs Q3 2018$32.4MM$31.7MM
LoansQ3 2019vs Q3 2018$20.6MM$20.2MM
DepositsQ3 2019vs Q3 2018$29.0MM$28.5MM
Equity CapitalQ3 2019vs Q3 2018$3.3MM$3.1MM
Loan Loss AllowanceQ3 2019vs Q3 2018$204.00K$164.00K
Unbacked Noncurrent LoansQ3 2019vs Q3 2018$487.00K$441.00K
Real Estate OwnedQ3 2019vs Q3 2018$0$0
Rates
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Always verify rates and promotions with the bank or credit union. We are not Garden State Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* 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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%*$5k*-Personal Savings Account
OTHER TIERS: 0.15% → $250 - $2k | 0.30% → $2k - $5k
0.50%*$5k*-Primary Savings
OTHER TIERS: 0.15% → $250 - $2k | 0.30% → $2k - $5k
0.50%*$5k*-Other Savings
OTHER TIERS: 0.15% → $250 - $2k | 0.30% → $2k - $5k
0.50%*$5k*-Statement Savings
OTHER TIERS: 0.15% → $250 - $2k | 0.30% → $2k - $5k
0.50%*$5k*-Direct Savings
OTHER TIERS: 0.15% → $250 - $2k | 0.30% → $2k - $5k
0.15%*$5k*-Primary Business Savings
OTHER TIERS: 0.05% → $250 - $5k
0.10%$250-Christmas Club
0.10%$250-Vacation Club

Garden State Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.17%*$100k*-Platinum Money Market Savings Account
OTHER TIERS: 0.65% → $10k - $25k | 0.75% → $25k - $50k | 0.80% → $50k - $100k
1.17%*$100k*-Platinum Money Market Checking Account
OTHER TIERS: 0.65% → $10k - $25k | 0.75% → $25k - $50k | 0.80% → $50k - $100k
0.65%*$25k*-Gold Money Market Savings Account
OTHER TIERS: 0.55% → $10k - $25k
0.65%*$25k*-Gold Money Market Checking Account
OTHER TIERS: 0.55% → $10k - $25k
0.60%*$100k*-IRA Money Market Account
OTHER TIERS: 0.10% → $1k - $20k | 0.35% → $20k - $50k | 0.55% → $50k - $100k
0.40%$2.5k-Silver Money Market Savings Account
0.40%$2.5k-Silver Money Market Checking Account
0.40%*$100k*-Business Money Market Checking
OTHER TIERS: 0.30% → $2.5k - $100k

Garden State Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%*$25k*-Primary Checking Account
OTHER TIERS: 0.10% → $250 - $2k | 0.15% → $2k - $25k
0.25%*$5k*-Other Checking Account
OTHER TIERS: 0.10% → $250 - $2k | 0.15% → $2k - $5k
0.10%*$2k*-Sunrise Checking
OTHER TIERS: 0.05% → $250 - $2k
0.05%$25k-Business Checking Account

Garden State Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.02%*$20k*-60 Month IRA Certificate
OTHER TIERS: 1.62% → $1k - $20k
1.92%*$20k*-48 Month IRA Certificate
OTHER TIERS: 1.57% → $1k - $20k
1.82%*$20k*-36 Month IRA Certificate
OTHER TIERS: 1.51% → $1k - $20k
1.72%*$20k*-30 Month IRA Certificate
OTHER TIERS: 1.41% → $1k - $20k
1.62%*$20k*-24 Month IRA Certificate
OTHER TIERS: 1.31% → $1k - $20k
1.51%*$20k*-18 Month IRA Certificate
OTHER TIERS: 1.01% → $1k - $20k
1.41%*$20k*-12 Month IRA Certificate
OTHER TIERS: 0.95% → $1k - $20k
1.16%*$20k*-9 Month IRA Certificate
OTHER TIERS: 0.75% → $1k - $20k
0.90%*$20k*-6 Month IRA Certificate
OTHER TIERS: 0.65% → $1k - $20k
0.70%*$20k*-3 Month IRA Certificate
OTHER TIERS: 0.50% → $1k - $20k
Locations


Garden State Federal Credit Union Locations
Branch Office144 W ROUTE 38MOORESTOWN, NJ 08057-3223
Branch Office401 DELAWARE AVECAMDEN, NJ 08102

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