Credit Union Services

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Garden State Federal Credit Union is a unique financial institution. We are a not-for-profit and member-owned cooperative. Unlike banks that are profit-driven, we return excess earnings to our members in the form of lower interest rates for loans, higher yield savings and investment accounts, free or low fee money management services and outstanding personal service.Federally Insured, Financially SecureGarden State FCU is regulated by the National Credit Union Administration (NCUA), an agency of the federal government. Your deposit accounts are federally insured for up to $250,000 by the National Credit Union Share Insurance Fund (NCUSIF). There are also steps you can take to have higher insured balances. Contact the credit union for the details.Personal Savings AccountBusiness Savings AccountPersonal Checking AccountCertificates of Deposit(CDs)Retirement (IRAs)Club AccountsInvestments