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Garden State Federal Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.gardenstatefcu.org
856-235-4096
144 W Route 38
Moorestown, NJ 08057

Garden State Federal Credit Union is headquartered in MOORESTOWN and is the 52nd largest credit union in the state of New Jersey. It is also the 2,654th largest credit union in the nation. It was established in 1960 and as of March of 2025, it had grown to 3,426 members at 2 locations. Garden State Federal Credit Union's money market rates are 7X the national average, but 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, Collingswood, Gloucester City, Haddon, Mount Ephraim, Palmyra, Pennsauken and Woodlynne.
See current membership details

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Health
C

Data as of Q1 2025

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 - YTD0.83%
Return on Equity - YTD9.95%
Annual Interest Income$535K
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$39.3MM$40.2MM
LoansQ1 2025vs Q1 2024$25.4MM$26.3MM
DepositsQ1 2025vs Q1 2024$35.6MM$37MM
Equity CapitalQ1 2025vs Q1 2024$3.3MM$2.8MM
Loan Loss AllowanceQ1 2025vs Q1 2024$188K$222K
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$523K$316K
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%*$5k*-Member Savings Account
OTHER TIERS: 0.03% → $250 - $1k | 0.05% → $1k - $2k | 0.10% → $2k - $5k
0.25%*$5k*-Personal Savings Account
OTHER TIERS: 0.03% → $250 - $1k | 0.05% → $1k - $2k | 0.10% → $2k - $5k
0.25%*$5k*-Primary Savings
OTHER TIERS: 0.03% → $250 - $1k | 0.05% → $1k - $2k | 0.10% → $2k - $5k
0.25%*$5k*-Other Savings
OTHER TIERS: 0.03% → $250 - $1k | 0.05% → $1k - $2k | 0.10% → $2k - $5k
0.25%*$5k*-Statement Savings
OTHER TIERS: 0.03% → $250 - $1k | 0.05% → $1k - $2k | 0.10% → $2k - $5k
0.25%*$5k*-My Savings Account
OTHER TIERS: 0.03% → $250 - $1k | 0.05% → $1k - $2k | 0.10% → $2k - $5k
0.25%*$5k*-Primary Now Savings
OTHER TIERS: 0.03% → $250 - $1k | 0.05% → $1k - $2k | 0.10% → $2k - $5k
0.02%$250-Christmas Club
0.02%$250-Vacation Club

Garden State Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.25%*$250k*-Platinum Money Market Savings Account
OTHER TIERS: 0.20% → $10k - $25k | 0.50% → $25k - $50k | 0.75% → $50k - $100k | 0.90% → $100k - $250k
3.25%*$250k*-Platinum Money Market Checking Account
OTHER TIERS: 0.20% → $10k - $25k | 0.50% → $25k - $50k | 0.75% → $50k - $100k | 0.90% → $100k - $250k
1.41%*$100k*-IRA Money Market Account
OTHER TIERS: 0.01% → $0 - $250 | 0.25% → $250 - $20k | 0.40% → $20k - $50k | 1.00% → $50k - $100k
1.41%*$100k*-Roth IRA Money Market Account
OTHER TIERS: 0.01% → $0 - $250 | 0.25% → $250 - $20k | 0.40% → $20k - $50k | 1.00% → $50k - $100k
1.41%*$100k*-Education IRA Money Market
OTHER TIERS: 0.01% → $0 - $250 | 0.25% → $250 - $20k | 0.40% → $20k - $50k | 1.00% → $50k - $100k
0.51%*$25k*-Gold Money Market Savings Account
OTHER TIERS: 0.25% → $2k - $25k
0.51%*$25k*-Gold Money Market Checking Account
OTHER TIERS: 0.25% → $2k - $25k
0.25%$2.5k-Silver Money Market Savings Account
0.25%$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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%$25k-Primary Checking Account
0.05%$25k-Other Checking Account
0.05%$25k-Business Checking Account

Garden State Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.92%*$50k*-6 Month CD
OTHER TIERS: 3.66% → $1k - $50k
3.87%*$50k*-9 Month CD
OTHER TIERS: 3.61% → $1k - $50k
3.87%*$50k*-12 Month CD
OTHER TIERS: 3.61% → $1k - $50k
3.72%*$50k*-18 Month CD
OTHER TIERS: 3.46% → $1k - $50k
3.61%*$50k*-24 Month CD
OTHER TIERS: 3.36% → $1k - $50k
3.61%*$50k*-30 Month CD
OTHER TIERS: 3.36% → $1k - $50k
3.61%*$50k*-36 Month CD
OTHER TIERS: 3.36% → $1k - $50k
3.61%*$50k*-48 Month CD
OTHER TIERS: 3.36% → $1k - $50k
3.61%*$50k*-60 Month CD
OTHER TIERS: 3.36% → $1k - $50k
0.75%*$50k*-3 Month CD
OTHER TIERS: 0.50% → $1k - $50k

Garden State Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.92%*$50k*-6 Month IRA Certificate
OTHER TIERS: 3.66% → $1k - $50k
3.87%*$50k*-9 Month IRA Certificate
OTHER TIERS: 3.61% → $1k - $50k
3.87%*$50k*-12 Month IRA Certificate
OTHER TIERS: 3.61% → $1k - $50k
3.72%*$50k*-18 Month IRA Certificate
OTHER TIERS: 3.46% → $1k - $50k
3.61%*$50k*-24 Month IRA Certificate
OTHER TIERS: 3.36% → $1k - $50k
3.61%*$50k*-30 Month IRA Certificate
OTHER TIERS: 3.36% → $1k - $50k
3.61%*$50k*-36 Month IRA Certificate
OTHER TIERS: 3.36% → $1k - $50k
3.61%*$50k*-48 Month IRA Certificate
OTHER TIERS: 3.36% → $1k - $50k
3.61%*$50k*-60 Month IRA Certificate
OTHER TIERS: 3.36% → $1k - $50k
0.75%*$50k*-3 Month IRA Certificate
OTHER TIERS: 0.50% → $1k - $50k
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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