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Business Loans built with your business in mind.

Your business - Your loan - Your terms.

Key Features

  • Lower Rates
  • Local Loan Experts
  • Personalized Products

Our Business Rewards Mastercard Credit Card is a fixed rate card with higher limits for small business owners. There are no annual fees, cash advance fee or balance transfer fee.

  • Enhanced purchasing power locally, across the globe, or online
  • Competitively low, fixed rate
  • Earn 2 points per every $1 spent redeemable through our ScoreCard Rewards Program for
    • Gifts
    • Travel Discounts
    • Gift Cards
    • Cash Back
  • Earn extra points during promotional periods throughout the year
  • No hidden costs
  • No minimum finance charge
  • No annual fee
  • Easy account access – view balances, transaction histories, and make payments from your computer
  • Avoid finance charges when your balance is paid in full within 25 days
  • Easily replaced if lost or stolen

Free Balance Transfers

Take advantage of your entire credit limit and low rate by transferring balances from other credit cards to your Garden Savings credit card. Enjoy the convenience of having fewer bills, lower payments, and no balance transfer fees.

Request a Balance Transfer

Free Cash Advances

Take advantage of cash advances with your card at any Garden Savings branch or any affiliated financial institution. There is NO cash advance fee from us. Interest accrues from date of advance.

  • Competitively low rates for new or used vehicles
  • Up to 100% financing available
  • Budget-friendly repayment terms up to 84 months
  • Convenient automatic payment option available
  • Free pre-approval for extra confidence upon negotiations
  • Simple, hassle-free process supported by our local decision making and processing
  • Detail-oriented lending specialists who answer your questions in a timely fashion

Additional Auto Resources

Beyond financing, we also offer a wide range of coverage options and auto buying discounts and helpful tools to our members. See Coverage Options and Auto Buying Help below for more information.

  • Competitively low rates
  • Borrow up to $30,000 for almost any personal need
  • Does not require collateral backing (signature loan)
  • Minimum loan amount of $1,000
  • Repayment terms available up to 72 months
  • No application fee
  • Simple, hassle-free process supported by our local decision making and processing
  • Detail-oriented lending specialists who answer your questions in a timely fashion

ePayments

Pay your loans from an outside account

  • Variable rate line-of-credit for business owners
  • Advances funds to business checking account for overdraft coverage
  • Utilize debit card, checks, or online transfers for fund advances
  • Competitively low interest rates
  • Borrow up to $25,000 for personal needs
  • Simple, hassle-free process with local decision making and processing
  • Larry Slavin

    Always friendly, excellent service, and rates.

  • Debra Gottsleben

    I love dealing with Garden Savings FCU!

  • Jasmine Norman

    Everyone goes above and beyond to help!

  • Olivia Soprano

    Great experience and great help!

  • Katharina Woelfl

    "My experience was good."

  • Oscar Romero

    "Excellent service, very professional and polite."

  • Rachid Laamal

    "Honest and best rates in town."

  • Moonika T

    "Easy sign up,good rates."

  • Eric Bogan

    "Good customer service!"

  • James Griffinn

    "I recommend everyone I know there."

  • Robert George Jr

    "Great service. They care about their members."