PO BOX 680
Moorestown, NJ 08057
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.05% 1.20% →
1-Year CD 0.75% 1.10% →
2-Year CD 0.90% 1.15% →
5-Year CD 1.26% 1.56% →
30-Year Mortgage N.A. 3.09% →
15-Year Mortgage N.A. 2.59% →
HELOC N.A. 2.77% →

2020 Overview

General Credit Union Information

Garden State is an NCUA insured institution located in Moorestown, NJ. It was founded in 1960 and has approximately $32.75 millions in assets.

NCUA Insured Yes
Charter Number # # 14015
Date Established 1960
Assets $32.75 million
Loans $20.98 million
Deposits $29.31 million
Capital $3.34 million

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.

Deposit Rates - August 3, 2020

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
0.05% $2,500 $4,999 Learn More
Money Market
0.10% $10,000 $14,999 Learn More
Money Market
0.20% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
3 Mo CD
0.25% $10,000 $14,999 Learn More
3 Mo CD
0.50% $100,000 $199,999 Learn More
6 Mo CD
0.30% $10,000 $14,999 Learn More
6 Mo CD
0.55% $100,000 $199,999 Learn More
12 Mo CD
0.50% $10,000 $14,999 Learn More
12 Mo CD
0.75% $100,000 $199,999 Learn More
18 Mo CD
0.60% $10,000 $14,999 Learn More
18 Mo CD
0.85% $100,000 $199,999 Learn More
24 Mo CD
0.65% $10,000 $14,999 Learn More
24 Mo CD
0.90% $100,000 $199,999 Learn More
30 Mo CD
0.75% $10,000 $14,999 Learn More
30 Mo CD
1.01% $100,000 $199,999 Learn More
36 Mo CD
0.85% $10,000 $14,999 Learn More
36 Mo CD
1.11% $100,000 $199,999 Learn More
48 Mo CD
0.90% $10,000 $14,999 Learn More
48 Mo CD
1.16% $100,000 $199,999 Learn More
60 Mo CD
1.01% $10,000 $14,999 Learn More
60 Mo CD
1.26% $100,000 $199,999 Learn More

Loan Rates - August 3, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for GARDEN STATE

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: 13256
2.930% 2.875% 0.75 $1,760 $1,038 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
People's United Bank, N.A.
People's United Bank, N.A.
4.000 %
$0 Learn More
More Info
PenFed Credit Union
PenFed Credit Union
3.750 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
2.990 %
$0 Learn More
More Info

To upload and update your bank's rates please register. It is free to register and add rates.


Below are Garden State branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:

Garden State Locations

Financial Details

Garden State Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Garden State. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Garden State U.S. Average
7.54% 6.71

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of March 30, 2020, Garden State had $258,717 in non-current loans and $8,378 in owned assets. To cover these potential losses it had $3,338,487 in net worth and $203,518 in loans loss reserves. That gives it a Texas Ratio of 7.54%.

Net Worth
Garden State U.S. Average
10.19% 13.61%

Garden State FCU has a net worth of 10.19% versus the BestCashCow average of 13.61. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Garden State

Branches and Savings

What is Garden State?

A federal credit union, registered with the NCUA under certificate #14015.
Learn more about credit unions here.

Is Garden State FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join Garden State?

Please see Field of Membership information above for information on who is eligible to join.

What are Garden State's share account and share certificate rates?

Garden State's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Garden State?

Garden State has total capital of $3.34 million. Full information on Garden State's financial position is located above.

Who owns Garden State?

Credit Unions are owned by their members.

Where are Garden State branches located?

See branch locations nearby.

Are Garden State ATMs Open 24/7?

Do Garden State ATMs accept cash deposits?

Can Garden State customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Garden State have a mobile app?

Does Garden State have mobile deposit?

Does Garden State have quick pay?

How can Garden State transfer money to other banks or credit unions?

Does Garden State report to credit bureaus?

Does Garden State use Chexsystems?

Does Garden State use Equifax?

What is Garden State's toll free phone number?

What is Garden State's ACH Routing Number?

What is Garden State's SWIFT code?

Where can I find Garden State's wire transfer form?

What is the Garden State address for deposits?

What Products Does Garden State Offer

Does Garden State offer mortgages?

Compare mortgage rates here.

Does Garden State offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Garden State offer auto and RV loans?

Compare auto loan rates here.

Does Garden State offer student loans or personal loans?

Compare personal loan rates here.

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