--- title: "Garden State Credit Union Rates (Nov 2026): CDs to 3.56%" description: "Garden State Credit Union rates today: savings & CDs up to 3.56% APY. Every rate verified daily from the official website — no pay-to-rank. See who can join Garden State Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/new-jersey/garden-state" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Garden State Credit Union Rates (Nov 2026): CDs to 3.56% ### Auto & vehicle rates 3 offers | Product | Published | Rate | Term / condition | Status | | **60-Month New Auto Loan** auto_new_60mo | — APR | 5.240% | 60 mo · new | Standard | | **72-Month New Auto Loan** auto_new_72mo | — APR | 5.990% | 72 mo · new | Standard | | **84-Month New Auto Loan** auto_new_84mo | — APR | 6.240% | 84 mo · new | Standard | Garden State Credit Union auto & vehicle rates as of November 12, 2026 ### Personal loan rates 4 offers | Product | Published | Rate | Term / condition | Status | | **All Other Secured Unsecured Loan Rates (3 Years)** personal_unsecured_36mo | — APR | 9.990% | 36 mo | Standard | | **All Other Secured Unsecured Loan Rates (4 Years)** personal_unsecured_48mo | — APR | 10.240% | 48 mo | Standard | | **All Other Secured Unsecured Loan Rates (5 Years)** personal_unsecured_60mo | — APR | 10.740% | 60 mo | Standard | | **All Other Secured Unsecured Loan Rates (6 Years)** personal_unsecured_72mo | — APR | 10.990% | 72 mo | Standard | Garden State Credit Union personal loan rates as of November 12, 2026 ### Savings & CD rates 34 offers | Product | Published | Rate | Term / condition | Status | | **Traditional IRA Money Market Account (Less Than $250.00)** ira | — APY | 0.01% | — | Standard | | **Traditional IRA Money Market Account ($250.00 – $19,999.99)** ira | — APY | 0.15% | — | Standard | | **Platinum Money Market Savings Account Checking Account ($2,500.00. - $9,999.99)** money_market | — APY | 0.15% | — | Specialty offer | | **Platinum Money Market Savings Account Checking Account ($10,000 - $24,999.99)** money_market | — APY | 0.20% | — | Specialty offer | | **Traditional IRA Money Market Account ($20,000.00 - $49,999.99)** ira | — APY | 0.30% | — | Standard | | **Platinum Money Market Savings Account Checking Account ($25,000.00 - $49,999.99)** money_market | — APY | 0.35% | — | Specialty offer | | **Platinum Money Market Savings Account Checking Account ($50,000 - $99,999.99)** money_market | — APY | 0.50% | — | Specialty offer | | **Platinum Money Market Savings Account Checking Account ($100,00000 & $249,000.99)** money_market | — APY | 0.75% | — | Specialty offer | | **Traditional IRA Money Market Account ($50,000.00 - $99,999.99)** ira | — APY | 0.75% | — | Standard | | **Education IRA Money Market ($50,000.00 - $99,999.99)** ira | — APY | 0.80% | — | Context only | | **Certificates of Deposit - Rollover / New Balances $1,000 - $49,999.99 (3 months)** cd_3mo | — APY | 1.00% | 3 mo | Standard | | **Education IRA Money Market ($100,000.00 & Greater)** ira | — APY | 1.05% | — | Context only | | **The Roth IRA Money Market ($100,000.00 & Greater)** ira | — APY | 1.06% | — | Context only | | **Certificates of Deposit - Rollover / New Balances $50,000 Above (3 months)** cd_3mo | 1.26% APY | 1.25% | 3 mo | Standard | | **Traditional IRA Money Market Account ($100,000.00 & Greater)** ira | — APY | 2.50% | — | Standard | | **Certificates of Deposit - Rollover / New Balances $1,000 - $49,999.99 (6 months)** cd_6mo | — APY | 2.75% | 6 mo | Standard | | **Platinum Money Market Savings Account Checking Account ($250,000.00 & Greater)** money_market | — APY | 2.75% | — | Specialty offer | | **Certificates of Deposit - Rollover / New Balances $1,000 - $49,999.99 (9 months)** cd_9mo | — APY | 2.85% | 9 mo | Standard | | **Certificates of Deposit - Rollover / New Balances $1,000 - $49,999.99 (12 months)** cd_12mo | — APY | 2.90% | 12 mo | Standard | | **Certificates of Deposit - Rollover / New Balances $1,000 - $49,999.99 (18 months)** cd_18mo | — APY | 3.00% | 18 mo | Standard | | **Certificates of Deposit - Rollover / New Balances $1,000 - $49,999.99 (24 months)** cd_24mo | — APY | 3.05% | 24 mo | Standard | | **Certificates of Deposit - Rollover / New Balances $50,000 Above (6 months)** cd_6mo | 3.10% APY | 3.05% | 6 mo | Standard | | **Certificates of Deposit - Rollover / New Balances $1,000 - $49,999.99 (30 months)** cd_30mo | — APY | 3.10% | 30 mo | Standard | | **Certificates of Deposit - Rollover / New Balances $50,000 Above (9 months)** cd_9mo | 3.15% APY | 3.10% | 9 mo | Standard | | **Certificates of Deposit - Rollover / New Balances $1,000 - $49,999.99 (36 months)** cd_36mo | — APY | 3.15% | 36 mo | Standard | | **Certificates of Deposit - Rollover / New Balances $50,000 Above (18 months)** cd_18mo | 3.20% APY | 3.15% | 18 mo | Standard | | **Certificates of Deposit - Rollover / New Balances $1,000 - $49,999.99 (48 months)** cd_48mo | — APY | 3.20% | 48 mo | Standard | | **Certificates of Deposit - Rollover / New Balances $50,000 Above (12 months)** cd_12mo | 3.20% APY | 3.15% | 12 mo | Standard | | **Certificates of Deposit - Rollover / New Balances $1,000 - $49,999.99 (60 months)** cd_60mo | — APY | 3.25% | 60 mo | Standard | | **Certificates of Deposit - Rollover / New Balances $50,000 Above (24 months)** cd_24mo | 3.35% APY | 3.30% | 24 mo | Standard | | **Certificates of Deposit - Rollover / New Balances $50,000 Above (30 months)** cd_30mo | 3.41% APY | 3.35% | 30 mo | Standard | | **Certificates of Deposit - Rollover / New Balances $50,000 Above (36 months)** cd_36mo | 3.46% APY | 3.40% | 36 mo | Standard | | **Certificates of Deposit - Rollover / New Balances $50,000 Above (48 months)** cd_48mo | 3.51% APY | 3.45% | 48 mo | Standard | | **Certificates of Deposit - Rollover / New Balances $50,000 Above (60 months)** cd_60mo | 3.56% APY | 3.50% | 60 mo | Standard | Garden State Credit Union savings & cd rates as of November 12, 2026 Savings and certificate yields up to 3.56% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/new-jersey/garden-state) , verified from [Garden State Credit Union's official website](https://gardenstatefcu.org/) Loading branch locator… ## About Garden State Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 3.2K Assets $37M Founded 1960 Locations reported 3 NCUA charter 14015 Charter type Federal credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Credit-builder products - Payday Alternative Loans I - Payday Alternative Loans II Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**New Jersey Community** Main Office · Moorestown · NJ · 08057 About 1.5 miles away](https://rateapi.dev/credit-unions/new-jersey/new-jersey-community) [**Energy People** Moorestown · Moorestown · NJ · 08057-1140 About 2.1 miles away](https://rateapi.dev/credit-unions/new-jersey/energy-people) [**American Heritage** Moorestown · Moorestown · NJ · 08057-1505 About 2.8 miles away](https://rateapi.dev/credit-unions/pennsylvania/american-heritage) [**First Harvest** Mount Laurel · Mount Laurel · NJ · 08054-1172 About 3.0 miles away](https://rateapi.dev/credit-unions/new-jersey/first-harvest) [**Police & Fire** Moorestown Mall · Maple Shade · NJ · 08052-1601 About 3.0 miles away](https://rateapi.dev/credit-unions/pennsylvania/police-fire) [**Campbell** CAMPBELL FEDERAL CU · Maple Shade · NJ · 08052-2036 About 3.6 miles away](https://rateapi.dev/credit-unions/new-jersey/campbell) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Garden State Credit Union Membership eligibility from Garden State Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Garden State Credit Union's website. Check the membership page below to confirm whether you qualify. - Association American Consumer Council Verified from [Garden State Credit Union's membership page](https://gardenstatefcu.org/about-us/join-garden-state/) . Final membership determination is always made by the credit union. ## Membership rules for Garden State Credit Union Associations · Family 2 published paths to membership, last verified August 21, 2026, quoted from Garden State Credit Union’s own published criteria. ### Associations 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Member of American Consumer Council “You can join through the American Consumer Council.” > [source ↗](https://gardenstatefcu.org/about-us/join-garden-state/) - Member of American Consumer Council ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Family of a member immediate family member “You can also join if you are an immediate family member of a current member.” > [source ↗](https://gardenstatefcu.org/about-us/join-garden-state/) - Family member (immediate family member) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Garden State Credit Union? Yes No ## Work at Garden State Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Garden State Credit Union ranks against New Jersey peers. - See which AI assistants fetched Garden State Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in New Jersey - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=garden-state&state=new-jersey&code=NJ&name=Garden%20State%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Garden State Credit Union offer? Garden State Credit Union currently offers Auto loan, and personal loan rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Garden State Credit Union rates updated? RateAPI verifies Garden State Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Garden State Credit Union's rate data? Rate data is collected directly from Garden State Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is Garden State Credit Union's best CD rate? As of November 12, 2026, Garden State Credit Union offers savings and certificate (CD) yields up to 3.56% APY. ### Who can join Garden State Credit Union? Garden State Credit Union publishes its membership criteria on its own website. RateAPI tracks 2 published membership paths covering 1 association for Garden State Credit Union, each quoted from Garden State Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Garden State Credit Union's rates against national credit-union benchmarks. [More New Jersey credit unions](https://rateapi.dev/credit-unions/new-jersey) [New Jersey auto loan rate leaders](https://rateapi.dev/auto-loan-rates/new-jersey) [New Jersey personal loan leaders](https://rateapi.dev/personal-loan-rates/new-jersey) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://gardenstatefcu.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Garden State Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when New Jersey credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Garden State Credit Union curl "https://api.rateapi.dev/credit-unions/new-jersey /garden-state " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Garden State Credit Union locations Search, filter, and browse all 3 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/new-jersey/garden-state Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp