Credit union · NCUA insured
Garden Savings FCU Credit Card Rates
Top CarrotGarden Savings FCU credit card rates start at 8.00% APR. Rates checked October 22, 2026.
How Garden Savings FCU’s credit card rates compare
Compared with banks and credit unions near New York, NY-NJ, where Garden Savings FCU has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Garden Savings FCU
– –
No ongoing APR published
Lowest rate
Fox Federal Credit Union
6.95%APR
2nd-lowest rate
NYU Federal Credit Union
7.90%APR
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
CashBack Plus Mastercard
Rate is determined by credit score and credit worthiness. Variable APR tied to the Prime Rate as published by the Wall Street Journal plus an index. No annual fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 14.75%–18.00% | None | Variable APR for Purchases, Balance Transfers, and Cash Advances. Determined by credit score and creditworthiness; tied to Wall Street Journal Prime Rate plus index. 25-day interest-free grace period on purchases if paid in full. No annual fee. Rates effective 01/01/2025. |
Premier Rate Mastercard
Fixed interest rate. Rate is determined by credit score and creditworthiness.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 8.00%–18.00% | None | Fixed APR for Purchases, Balance Transfers, and Cash Advances. Rate is determined by credit score and credit worthiness. |
Who can join Garden Savings FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Eligibility is open to people who live, work, worship, volunteer, attend school, or regularly conduct business in Newark, Jersey City, or Elizabeth.
Employers and groups
- Eligibility is open to employees or members associated with sponsor companies or Select Employer Groups in the field of membership.
- Eligibility is open to residents of New Jersey, New York, or Pennsylvania who become members of the American Consumer Council.
Family and household
- Eligibility is open to immediate family members of existing members as well as persons who reside in their households.
Cost to join
- Opening a Membership Savings account with at least $5 secures membership.
Membership information collected October 5, 2026.