Garden State Federal Credit Union

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	ACCOUNT NAME
2.43%	5-year CD	60 Month Share Certificate 2.03% - National Average
1.72%	1-year CD	12 Month Share Certificate 2.45% - Barclays 12 Month Online CD
0.25%	Savings	Personal Savings Account 1.80% - American Express National Bank High Yield 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 2,799^th largest credit union in the nation. It was established in 1960 and as of June of 2018, it had grown to 3,926 members at 2 locations. Garden State Federal Credit Union's money market rates are 2X the national average, and it has a C+ 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

C+

Data as of Q2 2018

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	0.19%
Return on Equity - YTD	2.01%
Annual Interest Income	$610.00K

Assets and Liabilities
Assets	Q2 2018vs Q2 2017	$32.9MM$28.5MM
Loans	Q2 2018vs Q2 2017	$18.5MM$16.1MM
Deposits	Q2 2018vs Q2 2017	$29.7MM$25.7MM
Equity Capital	Q2 2018vs Q2 2017	$3.1MM$2.7MM
Loan Loss Allowance	Q2 2018vs Q2 2017	$142.00K$91.00K
Unbacked Noncurrent Loans	Q2 2018vs Q2 2017	$431.00K$178.00K
Real Estate Owned	Q2 2018vs Q2 2017	$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
0.25%^*	$5k^*	-	Personal Savings Account
OTHER TIERS: 0.10% → $250 - $2k \| 0.15% → $2k - $5k
0.15%^*	$5k^*	-	Primary Business Savings
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
1.01%^*	$100k^*	-	Platinum Money Market Savings Account
OTHER TIERS: 0.40% → $10k - $25k \| 0.50% → $25k - $50k \| 0.65% → $50k - $100k
1.01%^*	$100k^*	-	Platinum Money Market Checking Account
OTHER TIERS: 0.40% → $10k - $25k \| 0.50% → $25k - $50k \| 0.65% → $50k - $100k
0.60%^*	$100k^*	-	IRA Money Market Account
OTHER TIERS: 0.10% → $1k - $20k \| 0.35% → $20k - $50k \| 0.55% → $50k - $100k
0.50%^*	$25k^*	-	Gold Money Market Savings Account
OTHER TIERS: 0.40% → $10k - $25k
0.50%^*	$25k^*	-	Gold Money Market Checking Account
OTHER TIERS: 0.40% → $10k - $25k
0.40%^*	$100k^*	-	Business Money Market Checking
OTHER TIERS: 0.30% → $2.5k - $100k
0.30%	$2.5k	-	Silver Money Market Savings Account
0.30%	$2.5k	-	Silver Money Market Checking Account

Garden State Federal Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.15%^*	$2k^*	-	Primary Checking Account
OTHER TIERS: 0.10% → $250 - $2k
0.15%^*	$2k^*	-	Other Checking Account
OTHER TIERS: 0.10% → $250 - $2k
0.10%^*	$2k^*	-	Sunrise Checking
OTHER TIERS: 0.05% → $250 - $2k
0.05%	$25k	-	Business Checking Account

Garden State Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.43%^*	$50k^*	-	60 Month Share Certificate
OTHER TIERS: 1.92% → $1k - $20k \| 2.17% → $20k - $50k
2.37%^*	$50k^*	-	48 Month Share Certificate
OTHER TIERS: 1.87% → $1k - $20k \| 2.12% → $20k - $50k
2.32%^*	$50k^*	-	36 Month Share Certificate
OTHER TIERS: 1.82% → $1k - $20k \| 2.07% → $20k - $50k
2.22%^*	$50k^*	-	30 Month Share Certificate
OTHER TIERS: 1.72% → $1k - $20k \| 1.97% → $20k - $50k
2.12%^*	$50k^*	-	24 Month Share Certificate
OTHER TIERS: 1.62% → $1k - $20k \| 1.87% → $20k - $50k
1.92%^*	$50k^*	-	18 Month Share Certificate
OTHER TIERS: 1.42% → $1k - $20k \| 1.67% → $20k - $50k
1.72%^*	$50k^*	-	12 Month Share Certificate
OTHER TIERS: 1.22% → $1k - $20k \| 1.47% → $20k - $50k
1.47%^*	$50k^*	-	9 Month Share Certificate
OTHER TIERS: 1.01% → $1k - $20k \| 1.22% → $20k - $50k
1.27%^*	$50k^*	-	6 Month Share Certificate
OTHER TIERS: 0.75% → $1k - $20k \| 1.01% → $20k - $50k
1.01%^*	$50k^*	-	3 Month Share Certificate
OTHER TIERS: 0.50% → $1k - $20k \| 0.75% → $20k - $50k

Garden State Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
2.43%^*	$50k^*	-	60 Month IRA Certificate
OTHER TIERS: 1.92% → $1k - $20k \| 2.17% → $20k - $50k
2.37%^*	$50k^*	-	48 Month IRA Certificate
OTHER TIERS: 1.87% → $1k - $20k \| 2.12% → $20k - $50k
2.32%^*	$50k^*	-	36 Month IRA Certificate
OTHER TIERS: 1.82% → $1k - $20k \| 2.07% → $20k - $50k
2.22%^*	$50k^*	-	30 Month IRA Certificate
OTHER TIERS: 1.72% → $1k - $20k \| 1.97% → $20k - $50k
2.12%^*	$50k^*	-	24 Month IRA Certificate
OTHER TIERS: 1.62% → $1k - $20k \| 1.87% → $20k - $50k
1.92%^*	$50k^*	-	18 Month IRA Certificate
OTHER TIERS: 1.42% → $1k - $20k \| 1.67% → $20k - $50k
1.72%^*	$50k^*	-	12 Month IRA Certificate
OTHER TIERS: 1.22% → $1k - $20k \| 1.47% → $20k - $50k
1.47%^*	$50k^*	-	9 Month IRA Certificate
OTHER TIERS: 1.01% → $1k - $20k \| 1.22% → $20k - $50k
1.27%^*	$50k^*	-	6 Month IRA Certificate
OTHER TIERS: 0.75% → $1k - $20k \| 1.01% → $20k - $50k
1.01%^*	$50k^*	-	3 Month IRA Certificate
OTHER TIERS: 0.50% → $1k - $20k \| 0.75% → $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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