Take control of your balance with our low fixed-rate credit card! Say goodbye to fluctuating rates and hello to payment certainty with our Premier Rate Card!
We have you covered when it matters most
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 |
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- 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 | |
|---|---|
| Annual Percentage Rate (APR) for Purchases |
2.99% introductory APR for 12 months. After this, your APR will be determined based on your creditworthiness. This APR is fixed and will not change with the market. |
| APR for Balance Transfers |
2.99% introductory APR for 12 months. After this, your APR will be determined based on your creditworthiness. This APR is fixed and will not change with the market. |
| APR for Cash Advances | This APR is fixed and will not change with the market. |
| 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.
