Credit union · NCUA insured
Garden State Federal Credit Union Savings Rates
Garden State Federal Credit Union’s best savings rate is 0.20% APY on $10,000, with its Gold Money Market Savings Account & Checking Account. Rates checked October 22, 2026.
How Garden State Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Philadelphia, PA-NJ-DE-MD, where Garden State Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Garden State Federal Credit Union
0.20%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $20
Gold Money Market Savings Account & Checking Account
Top rate
Woori America Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $1,000
- Earns on $10,000 a year
- $500
2nd-highest rate
Comenity Capital Bank
4.05%APY
- Requires
- None
- Minimum
- $100
- Earns on $10,000 a year
- $405
Garden State Federal Credit Union savings score
68
Savings score
Higher than 22% of U.S. banks and credit unions
- $1,000 balance$1,0000.03%
- $10,000 balance$10,0000.20%
- $100,000 balance$100,0000.75%
- QualifiedQualified0.20%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Garden State Federal Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Platinum Money Market Savings Account & Checking Account
0.20%APY
Dividends compounded and paid monthly based on daily balance. Excessive withdrawal fee applies. No fixed terms once opened. NCUSIF insured up to $250,000.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,500 | 0.00% | — |
| $2,500 – $10,000 | 0.15% | — |
| $10,000 – $25,000 | 0.20% | $20 |
| $25,000 – $50,000 | 0.35% | — |
| $50,000 – $100,000 | 0.50% | — |
| $100,000 – $249,001 | 0.75% | — |
| $250,000 and up | 2.79% | — |
Sources (2)
All captured Oct 4, 2026
Gold Money Market Savings Account & Checking Account
0.20%APY
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Less than $10,000 | 0.00% | — | Less than $10,000 |
| $10,000 – $25,000$10,000 - $24,999.99 | 0.20% | $20 | $10,000 - $24,999.99 |
| $25,000 and up$25,000 & greater | 0.35% | — | $25,000 & greater |
Sources (1)
- gardenstatefcu.org/loans-rates/rates · captured Oct 4, 2026
Silver Money Market Savings Account & Checking Account
0.15%APY
There is a minimum balance and an excessive withdrawal fee. Rates tiered according to balance.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,500 | 0.00% | — |
| $2,500 and up | 0.15% | $15 |
Sources (2)
All captured Oct 4, 2026
Primary Savings, Statement Savings, Other Savings, Personal Savings, My Savings, Member Savings & Primary NOW Savings
0.10%APY
Open with $5.00 minimum deposit. Maintain $5.00 balance in Primary Savings for membership benefits.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $250 – $500 | 0.00% | — |
| $500 – $1,000 | 0.02% | — |
| $1,000 – $2,000 | 0.03% | — |
| $2,000 – $5,000 | 0.04% | — |
| $5,000 and up | 0.10% | $10 |
Sources (3)
- gardenstatefcu.org/loans-rates/rates
- gardenstatefcu.org/news-resour…losures/truth-in-savings
- gardenstatefcu.org/accounts/primary-savings
All captured Oct 4, 2026
Special-purpose accounts
Traditional IRA Money Market Account
0.15%APY
Preferred rate requires automatic payment with payroll deduction; coupon book rate is 0.5% higher.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $250Less Than $250.00 | 0.01% | — | Less Than $250.00 |
| $250 – $20,000$250.00 – $19,999.99 | 0.15% | $15 | $250.00 – $19,999.99 |
| $20,000 – $50,000$20,000.00 - $49,999.99 | 0.30% | — | $20,000.00 - $49,999.99 |
| $50,000 – $100,000$50,000.00 - $99,999.99 | 0.75% | — | $50,000.00 - $99,999.99 |
| $100,000 and up$100,000.00 & Greater | 2.53% | — | $100,000.00 & Greater |
Sources (1)
- gardenstatefcu.org/loans-rates/rates · captured Oct 4, 2026
Education IRA Money Market
0.15%APY
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $250Less Than $250.00 | 0.01% | — | Less Than $250.00 |
| $250 – $20,000$250.00 – $19,999.99 | 0.15% | $15 | $250.00 – $19,999.99 |
| $20,000 – $50,000$20,000.00 - $49,999.99 | 0.30% | — | $20,000.00 - $49,999.99 |
| $50,000 – $100,000$50,000.00 - $99,999.99 | 0.80% | — | $50,000.00 - $99,999.99 |
| $100,000 and up$100,000.00 & Greater | 1.06% | — | $100,000.00 & Greater |
Sources (1)
- gardenstatefcu.org/loans-rates/rates · captured Oct 4, 2026
The Roth IRA Money Market
0.15%APY
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $250Less Than $250.00 | 0.01% | — | Less Than $250.00 |
| $250 – $20,000$250.00 – $19,999.99 | 0.15% | $15 | $250.00 – $19,999.99 |
| $20,000 – $50,000$20,000.00 - $49,999.99 | 0.30% | — | $20,000.00 - $49,999.99 |
| $50,000 – $100,000$50,000.00 - $99,999.99 | 0.80% | — | $50,000.00 - $99,999.99 |
| $100,000 and up$100,000.00 & Greater | 1.06% | — | $100,000.00 & Greater |
Sources (1)
- gardenstatefcu.org/loans-rates/rates · captured Oct 4, 2026
Christmas Club
0.02%APY
The entire balance is transferred to checking (or savings if no checking) on or after October 1 each year, and the account remains open. Early withdrawal closes the account and incurs an early withdrawal fee, except transfers/withdrawals within the first 7 days after opening are unrestricted.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $250 and upMinimum balance to earn APY is $25.00 ($250 & greater on rate schedule). Average daily balance method. No monthly service charge.$250 and up | 0.02% | $2 | Minimum balance to earn APY is $25.00 ($250 & greater on rate schedule). Average daily balance method. No monthly service charge. |
Sources (3)
- gardenstatefcu.org/accounts/club-accounts
- gardenstatefcu.org/loans-rates/rates
- gardenstatefcu.org/news-resour…losures/truth-in-savings
All captured Oct 4, 2026
Vacation Club
0.02%APY
Transferred on March 1 of each year into checking (or savings if no checking). Two withdrawals per quarter allowed, after which a fee will be imposed. Subject to early withdrawal fee.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $250 and upMinimum balance to earn APY is $25.00 ($250 & greater on rate schedule). Average daily balance method. No monthly service charge.$250 and up | 0.02% | $2 | Minimum balance to earn APY is $25.00 ($250 & greater on rate schedule). Average daily balance method. No monthly service charge. |
Sources (3)
- gardenstatefcu.org/accounts/club-accounts
- gardenstatefcu.org/loans-rates/rates
- gardenstatefcu.org/news-resour…losures/truth-in-savings
All captured Oct 4, 2026
Who can join Garden State Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.