Premier Rate Mastercard |
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CashBack Plus Mastercard |
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We have you covered when it matters most
No matter which card you choose whether you are looking for a low fixed rate or a rewards based card Garden Savings members will get access to many fantastic benefits through Mastercard. Access to the benefits are as easy as picking up the phone! Here are a few:
Cellular Wireless Telephone ProtectionMastercard AirportConcierge™Mastercard Global Emergency ServicesMastercard ID Theft Protection™MasterRental® Collision Damage WaiverMedical Evacuation |
Priceless Cities Offers & ExperiencesPrice Drop ProtectionTravel Accident Insurance with Baggage DelayTravel Assistance ServicesTrip Cancellation & Trip InterruptionZero Liability |
View the full Mastercard Benefits here.
Learn More about the ScoreCard Rewards program.
New Member Apply Now Existing Member Apply Now
- Enhanced purchasing power locally, across the globe, or online
- Competitively low, fixed rate
- 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.
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.
Share Secured Credit Card
We offer share secured credit cards for all members.
| Interest Rates and Interest Charges | Rates Effective 03/31/2022 |
|---|---|
| Annual Percentage Rate (APR) for Purchases |
When you open your account based on your credit worthiness |
| APR for Balance Transfers | Same APR as for Purchases as Listed Above Fixed |
| APR for Cash Advances | Same APR as for Purchases as Listed Above Fixed |
| Penalty APR and When it Applies | None |
| How to Avoid Paying Interest on Purchases | Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date (Grace Period) each month. |
| Minimum Interest Charge | If you are charged interest, the charge will be no less than $0.00 |
| For Credit Card Tips from the Federal Reserve Board | To learn more about factors to consider when applying for or using a credit card, visit the web site of the Federal Reserve Board |
| Fees | Mastercard |
|---|---|
| Annual Fee | None |
| Transaction Fees | |
| Balance Transfer | None |
| Cash Advances | None |
| Foreign Transaction | None |
| Penalty Fees | |
| Late Payment | Up to $30.00 |
| Over-the-Credit-Limit | None |
| Returned Payment | Up to $30.00 |
| Other Fees | |
| Rush Card Fee | $25.00 |
How We Will Calculate Your Balance: We use a method called "average daily balance" (including new purchases). An explanation of this method is provided in your account agreement.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.
- Enhanced purchasing power locally, across the globe, or online
- Competitively low, variable rate
- Earn 1 point per every $1 spent redeemable through our ScoreCard Rewards Program for gifts, travel discounts, gift cards, and 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 compute
- Avoid finance charges when your balance is paid in full within 25 days
- Easily replaced if lost or stolen
Learn more about ScoreCard Rewards
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.
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.
Share Secured Credit Card
We offer share secured credit cards for all members.
| Interest Rates and Interest Charges | Rates Effective 03/31/2022 |
|---|---|
| Annual Percentage Rate (APR) for Purchases |
When you open your account based on your credit worthiness, after that your APR will vary with the market based on the Prime Rate |
| APR for Balance Transfers |
Same APR as for Purchases as Listed Above When you open your account based on your credit worthiness, after that your APR will vary with the market based on the Prime Rate |
| APR for Cash Advances |
Same APR as for Purchases as Listed Above When you open your account based on your credit worthiness, after that your APR will vary with the market based on the Prime Rate |
| Penalty APR and When it Applies | None |
| How to Avoid Paying Interest on Purchases | Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date (Grace Period) each month. |
| Minimum Interest Charge | If you are charged interest, the charge will be no less than $0.00 |
| For Credit Card Tips from the Federal Reserve Board | To learn more about factors to consider when applying for or using a credit card, visit the web site of the Federal Reserve Board |
| Fees | Mastercard |
|---|---|
| Annual Fee | None |
| Transaction Fees | |
| Balance Transfer | None |
| Cash Advances | None |
| Foreign Transaction | None |
| Penalty Fees | |
| Late Payment | Up to $30.00 |
| Over-the-Credit-Limit | None |
| Returned Payment | Up to $30.00 |
| Other Fees | |
| Rush Card Fee | $25.00 |
How We Will Calculate Your Balance: We use a method called "average daily balance" (including new purchases). An explanation of this method is provided in your account agreement.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.
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Larry Slavin
Always friendly, excellent service, and rates.
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Debra Gottsleben
I love dealing with Garden Savings FCU!
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Jasmine Norman
Everyone goes above and beyond to help!
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Olivia Soprano
Great experience and great help!
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Katharina Woelfl
"My experience was good."
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Oscar Romero
"Excellent service, very professional and polite."
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Rachid Laamal
"Honest and best rates in town."
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Moonika T
"Easy sign up,good rates."
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Eric Bogan
"Good customer service!"
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James Griffinn
"I recommend everyone I know there."
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Robert George Jr
"Great service. They care about their members."
