Garden State FCU is a friendly and helpful credit union. The staff is professional, nice, knowledgeable, and personable. The location is in a converted house, which is easy to miss, and has limited parking. There is no drive-up, ATM, or bathroom, and waits are common with only two tellers. For many, it has been a convenient and welcome alternative after other local branches closed. Customers appreciate the themed holiday decorations and the overall positive experience, even with occasional short delays.