NCUA Insured
Member-Owned
1 charter
Established in 1968
Contact this credit union directly for detailed information about membership eligibility and current rates.
Membership Eligibility
Membership is limited to members of a specific organization, church, union, or association. Contact the credit union to find out which groups qualify.
Check eligibility on their website →NCUA Insured — deposits protected up to $250,000
Member-Owned — not-for-profit cooperative
1 charter
Established in 1968
Low-Income Designated
Contact this credit union directly for detailed information about membership eligibility, current rates, and services.
Services Offered
This credit union is located in Parsippany and serves members in the NJ area. Currently serving 30,733 members.
Contact the credit union to confirm membership eligibility requirements for your area.
Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.
Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.
Source: NCUA Federally Insured Credit Unions list, Q4 2025.
Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.
New Auto Loan
4.24%Used Auto Loan
10.26%Personal Loan
10.99%Credit Card APR
8.00%Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.
Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.
Lowest rates currently reported by credit unions in NJ (NCUA Q4 2025).
Vineland, NJ
Manville, NJ
Linden, NJ
Englewood Cliff, NJ
Rates from NCUA regulatory filings. Contact credit unions directly for current rates.
4.5
479 Google reviews
Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.
View on Google MapsStefania Kartsounas
5 months ago
I had the pleasure of working with Stephanie Parise, and I cannot speak highly enough about her professionalism and dedication. From the moment I walked into the branch, Stephanie greeted me with genuine kindness and courtesy, making me feel valued and respected as a customer. Her ability to listen attentively and understand my needs was remarkable. What truly stood out was her efficiency and speed in handling my request. Every step of the process was seamless, and she ensured that everything was completed accurately without compromising quality. Her knowledge and confidence instilled trust, and she went above and beyond to provide clear explanations and helpful guidance. Stephanie exemplifies what exceptional customer service should be—kind, courteous, efficient, and quick. She turned what could have been a stressful experience into a smooth and pleasant one. I highly recommend this branch and commend Stephanie for setting such a high standard of excellence.
Vincent Corsale
3 months ago
Christine Russo for Garden State savings Federal credit Union is the best person I’ve ever dealt with applying for a loan. CARES, she’s patient and understanding. You do not get that very often five stars for her
Bequia Crews
4 months ago
Joining Garden Savings Federal Credit Union, added more to my life than just a source to handle financial services, it added an extended family. They go above and beyond to accommodate me and my family. With every transaction it's smooth and efficient with a layer of care I've never experienced at other financial institutions. Thank you to everyone from my branch in South Orange,NJ from tellers to managers 🧡. Thank you to everyone from headquarters including "Alex" who delivers great messages to loan officers who make it easy. YOU ARE TRULY APPRECIATED AND I CONTINUE TO REGULARLY RECOMMEND GSFCU TO EVERYONE who mentions a need for your services.
B Dubs
4 months ago
I recently called in and had contact with Adriana. She was very knowledgeable and courteous. My questions were answered and I am extremely satisfied. I usually don't have high expectations when I have to call ANY customer service number these days but I was pleasantly surprised. Thank you to Adriana and garden savings!
Kathy Fellows
3 months ago
I have been a member of Garden Savings Federal credit union for years. Shortly into my membership, Carlos Ronquillo joined the staff. Carlos is responsible for educating us members about financial matters. In my experience, Carlos also is an expert problem solver. Carlos is an expert troubleshooter. Carlos always goes above and beyond. For example, Carlos solves problems that other people are unable to solve. Carlos always goes the extra mile. Carlos is super responsive. Carlos has always made me feel like my concerns are his concerns. In summary: Carlos is magnificent.
Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.
Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).
Phone
(973) 576-2000Website
Visit WebsiteMembers
30,733
Total Assets
$492.7M
Year Opened
1968
Net Worth
Well Capitalized
Designations
Official NCUA Data
All data sourced from the National Credit Union Administration (NCUA).
View NCUA Profile