Garden State Federal Credit Union

Overview / Commentary

www.gardenstatefcu.org

800-713-2274

144 W Route 38
Moorestown, NJ 08057

Garden State Federal Credit Union is headquartered in MOORESTOWN and is the 54^th largest credit union in the state of New Jersey. It is also the 2,748^th largest credit union in the nation. It was established in 1960 and as of December of 2020, it had grown to 3,913 members at 2 locations. Garden State Federal Credit Union 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, Collingswood, Gloucester City, Haddon, Mount Ephraim, Palmyra, Pennsauken and Woodlynne.
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Health

C+

Data as of Q4 2020

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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	0.45%
Return on Equity - YTD	4.92%
Annual Interest Income	$1.5MM

Assets and Liabilities
Assets	Q4 2020vs Q4 2019	$37.5MM$31.8MM
Loans	Q4 2020vs Q4 2019	$21.8MM$20.6MM
Deposits	Q4 2020vs Q4 2019	$34.1MM$28.3MM
Equity Capital	Q4 2020vs Q4 2019	$3.4MM$3.3MM
Loan Loss Allowance	Q4 2020vs Q4 2019	$136.00K$207.00K
Unbacked Noncurrent Loans	Q4 2020vs Q4 2019	$717.00K$577.00K
Real Estate Owned	Q4 2020vs Q4 2019	$0$0

Rates

Skip to rates for:

Savings
Money Market
Checking
IRA

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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

APY	MIN	MAX	ACCOUNT NAME
0.15%^*	$5k^*	-	Personal Savings Account
OTHER TIERS: 0.02% → $250 - $2k \| 0.05% → $2k - $5k
0.15%^*	$5k^*	-	Primary Savings
OTHER TIERS: 0.02% → $250 - $2k \| 0.05% → $2k - $5k
0.15%^*	$5k^*	-	Other Savings
OTHER TIERS: 0.02% → $250 - $2k \| 0.05% → $2k - $5k
0.15%^*	$5k^*	-	Statement Savings
OTHER TIERS: 0.02% → $250 - $2k \| 0.05% → $2k - $5k
0.15%^*	$5k^*	-	Direct Savings
OTHER TIERS: 0.02% → $250 - $2k \| 0.05% → $2k - $5k
0.05%^*	$5k^*	-	Primary Business Savings
OTHER TIERS: 0.02% → $2k - $5k
0.02%	$250	-	Christmas Club
0.02%	$250	-	Vacation Club

Garden State Federal Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
0.45%^*	$100k^*	-	IRA Money Market Account
OTHER TIERS: 0.05% → $1k - $20k \| 0.10% → $20k - $50k \| 0.40% → $50k - $100k
0.40%^*	$100k^*	-	Platinum Money Market Savings Account
OTHER TIERS: 0.05% → $10k - $25k \| 0.15% → $25k - $50k \| 0.30% → $50k - $100k
0.40%^*	$100k^*	-	Platinum Money Market Checking Account
OTHER TIERS: 0.05% → $10k - $25k \| 0.15% → $25k - $50k \| 0.30% → $50k - $100k
0.25%^*	$25k^*	-	Gold Money Market Savings Account
OTHER TIERS: 0.05% → $10k - $25k
0.25%^*	$25k^*	-	Gold Money Market Checking Account
OTHER TIERS: 0.05% → $10k - $25k
0.10%	$2.5k	-	Silver Money Market Savings Account
0.10%	$2.5k	-	Silver Money Market Checking Account
0.10%^*	$100k^*	-	Business Money Market Checking
OTHER TIERS: 0.05% → $2.5k - $100k

Garden State Federal Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.10%	$25k	-	Primary Checking Account
0.10%	$25k	-	Other Checking Account
0.05%	$25k	-	Business Checking Account

Garden State Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.16%^*	$20k^*	-	60 Month IRA Certificate
OTHER TIERS: 0.95% → $1k - $20k
1.06%^*	$20k^*	-	48 Month IRA Certificate
OTHER TIERS: 0.85% → $1k - $20k
0.95%^*	$20k^*	-	36 Month IRA Certificate
OTHER TIERS: 0.75% → $1k - $20k
0.90%^*	$20k^*	-	30 Month IRA Certificate
OTHER TIERS: 0.70% → $1k - $20k
0.80%^*	$20k^*	-	24 Month IRA Certificate
OTHER TIERS: 0.60% → $1k - $20k
0.70%^*	$20k^*	-	18 Month IRA Certificate
OTHER TIERS: 0.50% → $1k - $20k
0.60%^*	$20k^*	-	12 Month IRA Certificate
OTHER TIERS: 0.40% → $1k - $20k
0.45%^*	$20k^*	-	6 Month IRA Certificate
OTHER TIERS: 0.25% → $1k - $20k
0.40%^*	$20k^*	-	3 Month IRA Certificate
OTHER TIERS: 0.20% → $1k - $20k
0.40%^*	$20k^*	-	9 Month IRA Certificate
OTHER TIERS: 0.30% → $1k - $20k

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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