We are pleased to welcome you to the Garden Savings Federal Credit Union family. As part of the recent transition of the Unilever Federal Credit Union credit card portfolio, your credit card account will now be serviced by Garden Savings FCU.
Your new Garden Savings Mastercard will be mailed to you shortly, giving you the same reliable access you’re accustomed to—now backed by a financial institution dedicated to people, not profit.
CashBack Plus Mastercard Details
Timeline:
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November 19, 2025: A Goodbye letter from NCUA on behalf of Unilever informing credit cardholders of the conversion to Garden Saving FCU was mailed.
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December 3, 2025: A welcome letter has been sent to cardholders to give more information about the conversion.
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December 4, 2025: A welcome email has been sent to cardholders to give more information about the conversion.
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Updated December 12, 2025: New Garden Savings CashBack Plus Mastercards start mailing out to cardholders.
- Updated December 23-26, 2025: You should receive your card on or shortly after December 14. Please activate and register your new card at EZ Card to easily manage and pay your bill. See below info for more details.
Ways to Manage & Pay Your Credit Card
Online Access
You’ll continue using EZCard just as before; however, you must re-register under Garden Savings FCU once your new Mastercard credit card is received.
Register Now
Select Enroll Now and follow the steps to create credentials.
Pay by Mail
Garden Savings Federal Credit Union
PO Box 4517
Carol Stream, IL 60197-4517
Pay by Phone
to make a payment by phone.
Keep Your Information Up to Date
If your mailing address, email address, or phone number has recently changed, please notify us so we can update your account records and ensure you continue to receive important communications.
We’re Here to Support You!
If you have questions, need assistance with activation or payments, or would like to learn more about your new credit card account, our team is ready to help.
Become a Member — With $5 on Us!
As a Garden Savings Mastercard cardholder, we invite you to become a full credit union member and enjoy all the benefits and savings opportunities we offer.
You’re eligible to join through the American Consumer Council, and when you open your membership, we will fund your $5 share deposit. Simply, select American Consumer Council on the first step of your online application and then select Mail A Check on the third step and we will handle the rest!
Thank you for your patience during this transition. We look forward to serving you and providing the personalized, member-first experience Garden Savings FCU is known for.
FREQUENTLY ASKED QUESTIONS
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What changes should I expect with my credit card?
You will be transitioning from a Visa to a Mastercard as your credit card will now be the Garden Savings CashBack Plus Mastercard. This means you’ll continue to enjoy the same access and benefits with some enhanced features.
What is my credit card's interest rate?
Your current credit card term rate is variable and will remain unchanged for the next six billing cycles or until May 2026. After that, it will be adjusted based on the Prime rate and our base rate.
What happens to my rewards points?
If you were a rewards cardholder with Unilever, your points will carry over, and you will continue to earn 1 point per dollar spent. If you did not have a rewards card, you will now start earning points at the same rate of 1 point per dollar spent. Please register your new credit card at scorecardrewards.com to track your reward points.
How can I access my credit card transactions and statements?
You can view your credit card transactions and future statements by visiting GardenSavingsFCU.Org/Unilever, which redirects you to ezcardinfo.com.
What are my payment options?
You can continue to make payments utilizing your outside account and routing number via phone or through the ezcard online portal. You can also start mailing payments to the below mailing address.
Select Enroll Now and follow the steps to create credentials.
Pay by Mail
Garden Savings Federal Credit Union
PO Box 4517
Carol Stream, IL 60197-4517
Pay by Phone
Call 866-207-9651 to make a payment by phone.
What should I do if I have a credit reporting dispute?
For any credit reporting disputes, please contact the credit bureaus directly. We will respond to inquiries through the appropriate channels.
How can I get urgent assistance?
Please contact us if you need urgent assistance at 973-576-2010. You can also visit any of our branches located in Dover, Parsippany, South Orange, Newark, Sayreville, or Brick, NJ. Click here to find the nearest branch near you.
Why should I consider becoming a member of Garden Savings FCU?
We encourage you to join Garden Savings as a member. As a member, you will benefit from a safe and sound financial institution, gain access to online banking, low-rate loan opportunities, free checking account options, and many other great benefits tailored to support your financial journey.
How do I become a Garden Savings FCU member?
Joining is simple! Just follow the membership application steps by clicking 'Join Now' on our website. When asked how you'll fund your regular share account, choose 'mail a check.' Plus, we'll even cover your $5 share deposit when you sign up.
Where can I find more information about my new credit card?
For any additional questions or concerns, please don’t hesitate to reach out via email at [email protected] or call our call center at 973-576-2010. We’re here to support you!
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