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. Garden State Federal Credit Union was founded in 1960 as The Camden District Telephone Federal Credit Union. Today we serve over 4,400 members from 37 Member Groups and 9 select cities and towns.