|
iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Garden State Federal Credit Union Rates & Review September 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: September 9, 2026
Garden State Federal Credit Union's 24 month CDs of Deposit - Rollover / New & Above rates are at 2.94%, 12 month CDs of Deposit - Rollover / New & Above rates are at 2.84%, 6 month CDs of Deposit - Rollover / New & Above rates are at 2.79%, 30 month CDs of Deposit - Rollover / New rates are at 2.73%, 18 month CDs of Deposit - Rollover / New rates are at 2.63%. Garden State Federal Credit Union's money market rates are at 2.53%. Garden State Federal Credit Union's Personal Loan Rates are at 4.99%. MonitorBankRates evaluates the financial stability of Garden State Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 11.85%. Rates last updated and verified on 09/09/2026. Garden State Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Garden State Federal Credit Union? Share your experience about Garden State Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Garden State Federal Credit Union. Garden State Federal Credit Union
MAIN OFFICE 144 W ROUTE 38
https://gardenstatefcu.org MOORESTOWN, NJ 08057-3223 
Garden State Federal Credit Union CD Rates
Garden State Federal Credit Union Money Market Rates
Garden State Federal Credit Union Checking Rates
Garden State Federal Credit Union Auto Loan Rates
Financial Health HistoryGarden State Federal Credit Union’s Texas Ratio stayed near 11.50% in Q2 2023 to 11.85% in Q1 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the amber line marks the 15% level a credit union must stay under to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy threshold
Powered by
MonitorBankRates
How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Garden State Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Garden State Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Garden State Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Garden State Federal Credit Union
Website
https://gardenstatefcu.org
Address
144 W ROUTE 38,
MOORESTOWN, NJ 08057-3223
Phone
856-235-2077
Fax
856-235-2904
President
MARK PASTORIZA
CEO
Paul Ladd
Full-Time Employees
0
Part-Time Employees
0
Branch Locations
3
ATM Locations
0
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (94/100)
Texas Ratio
11.85%
Return on Assets (ROA)
0.1498%
Return on Equity (ROE)
1.3126%
Non-Performing Loans Ratio (NPL)
2.05%
Total Assets
37,000,324
Total Amount of Shares and Deposits
33,055,828
Total Shares and Deposits < 1 Year
32,375,170
Total Shares and Deposits 1 3 Years
678,639
Total Shares and Deposits > 3 Years
2,020
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
1,384,474
Total Uninsured Shares and Deposits > $250K (F+J)
1,384,474
Total Insured Shares and Deposits > $250K (item 17 less item K)
31,671,354
Total Interest Expense (Sum of items 6 8)
65,703
Share Certificates
217
Number of Accounts for Share Drafts
1,401
IRA KEOGH Accounts
51
Number of Accounts for Regular Shares
2,231
All other shares
1,389
Non Member Deposits
1
Money Market Shares
59
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
647,244
Total Liabilities
33,384,680
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
There are no reviews for Garden State Federal Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Garden State Federal Credit Union
Frequently Asked Questions About Garden State Federal Credit UnionHow many branches does Garden State Federal Credit Union operate?Garden State Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Garden State Federal Credit Union?Yes, to access services at Garden State Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Garden State Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Garden State Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Garden State Federal Credit Union offer online and mobile banking?Most modern institutions like Garden State Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://gardenstatefcu.org. Current Garden State Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
Compare to Other Credit Unions
New Life Federal Credit Union
Fayette Federal Credit Union
Advance Financial Federal Credit Union
PML Employees Federal Credit Union
Mower County Catholic Parishes Credit Union
On Tap Credit Union
Hoboken School Employees Federal Credit Union
Saint John A M E Federal Credit Union
Erie Federal Credit Union
Power One Federal Credit Union
United Employees Credit Union
Los Angeles Lee Federal Credit Union
Antioch Credit Union
OMNI Community Credit Union
Call Federal Credit Union
Service 1 Federal Credit Union
Omega Psi Phi Fraternity Federal Credit Union
Timberland Federal Credit Union
State Employees Community Credit Union
Progressions Credit Union
Tennessee Employees Credit Union
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
