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Garden State FCU is regulated by the National Credit Union Administration (NCUA), an agency of the federal government. Member deposit accounts are federally insured for up to $250,000 by the National Credit Union Share Insurance Fund (NCUSIF).
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Address: 144 W Route 38 Moorestown, NJ 08057. Hours: Monday...
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- State vs. Federally Chartered Credit Unions: An Overview
- State-Chartered Credit Unions
- Federally Chartered Credit Unions
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In the United States, credit unions are divided into two categories: state-chartered and federally chartered. Though they share many characteristics, requirements, and purposes, the difference in charters impacts the regulation and titling of a given credit union. State-chartered credit unions fall under the regulatory authority of their respective...
There are some advantages to state charters for credit unions. For one, federal credit unions have maximum interest rateregulations, whereas different states may have higher or no limits on interest rate charges. In addition, state regulatory authorities often have a much greater familiarity with their local credit unions than the NCUA enjoys with ...
Even though they include the word "federal" in their name, federal credit unions(FCUs) are not operated by the federal government. Not only are all of these organizations regulated by the NCUA but they are also insured by the National Credit Union Share Insurance Fund (NCUSIF). In 1970, Congress established the NCUSIF, which the NCUA manages, to in...
Credit unions are nonprofitfinancial savings and lending cooperatives whose members are also part-owners, distinguishing them from true intermediaries like banks. Many credit unions are considered more "community-oriented" and have significantly different operational objectives than other savings and lending institutions. In the United States, cred...
A state chartered credit union has a charter granted by a state. These credit unions follow state regulations. A federally charted credit union has a charter from the federal government granting it the ability to operate. Federally charted credit unions follow federal regulations, sometimes more strict than state regulations. Some states do not gra...
Established in 1960, Garden State Federal Credit Union is headquartered in Moorestown, New Jersey. Main Address. PO Box 680 Moorestown, NJ 08057. Credit Union Details. Charter Number: 14015. Year Opened: 1960. Date Insured: January 4, 1971. Routing Number: 231278083. Peer Group: Assets between $10 million to $50 million
Garden State FCU is regulated by the National Credit Union Administration (NCUA), an agency of the federal government. Member deposit accounts are federally insured for up to $250,000 by the National Credit Union Share Insurance Fund (NCUSIF).
Jun 30, 2024 · Opened 64 years ago in 1960, GARDEN STATE FEDERAL CREDIT UNION has about 3,765 members offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
- 144 W ROUTE 38, MOORESTOWN, 08057-3223, NJ
- (856) 235-2077
Feb 13, 2019 · Federal Credit Union: NCUA is the regulator for ALL federal credit unions. Federal credit unions generally have the word "federal" in its name. Additionally, credit unions with headquarters in Arkansas, Delaware, South Dakota, Wyoming or the District of Columbia, are federal credit unions.
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Is Garden State FCU regulated?
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Are credit unions state charted?
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A credit union receives its authority to operate by obtaining a federal or state charter. Annual examinations and oversight are conducted by the supervisory agencies ‒ the National Credit Union Administration (NCUA) for federal credit unions. Garden State is also governed by its member-elected, volunteer Board of Directors.
