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Business
Rates & FeesHelping Businesses Grow is What We Do
Let’s get you where you want to grow, with the right rates on savings or checking accounts or our Grow Visa® Business Rewards Credit Card.
To make sure your money stays where it belongs, we also make it easy for you to understand what fees you may be charged and how to avoid them. View the Business Fee Schedule.
Like the way we do business?
Setting You Up For Success
Our no-fuss savings options help your hard-earned money work for you.
Savings Accounts Minimum Deposit Dividend Rate Annual Percentage Yield (APY) Business Savings Account $1.00 0.15% 0.15%1 Club Account $5.00 0.15% 0.15%1 Minimum Deposit $1.00 Dividend Rate 0.15% Annual Percentage Yield (APY) 0.15%1 Minimum Deposit $5.00 Dividend Rate 0.15% Annual Percentage Yield (APY) 0.15%1 1The APY quoted is effective as of 07/04/2025 and is subject to change. The APY may change after the account is opened. This is a variable rate account. Fees could reduce earnings.
Money Market Account Dividend Rate Annual Percentage Yield (APY) Balance less than $25,000 1.10% 1.11%1 Balance of $25,000 to $49,999.99 1.35% 1.36%1 Balance of $50,000 to $99,999.99 1.55% 1.56%1 Balance of $100,000 to $249,999.99 1.70% 1.71%1 Balance of $250,000 to $499,999.99 1.90% 1.92%1 Balance of $500,000 and more 2.10% 2.12%1 Dividend Rate 1.10% Annual Percentage Yield (APY) 1.11%1 Dividend Rate 1.35% Annual Percentage Yield (APY) 1.36%1 Dividend Rate 1.55% Annual Percentage Yield (APY) 1.56%1 Dividend Rate 1.70% Annual Percentage Yield (APY) 1.71%1 Dividend Rate 1.90% Annual Percentage Yield (APY) 1.92%1 Dividend Rate 2.10% Annual Percentage Yield (APY) 2.12%1 1The APY quoted is effective as of 07/04/2025 and is subject to change. The APY may change after the account is opened. This is a tiered variable rate account. Fees could reduce earnings.
Checking Accounts That Care
Owning a business takes work, but our checking accounts help do the heavy lifting.
Grow Business Checking Minimum Deposit Dividend Rate Annual Percentage Yield (APY) Grow Business Checking $0.00 0.00% 0.00% Minimum Deposit $0.00 Dividend Rate 0.00% Annual Percentage Yield (APY) 0.00% High Yield Business Checking Minimum Deposit Dividend Rate Annual Percentage Yield (APY) Balance less than $10,000 $0.00 0.00% 0.00%1 Balance of $10,000 to $24,999.99 $0.00 0.15% 0.15%1 Balance of $25,000 to $49,999.99 $0.00 0.30% 0.30%1 Balance of $50,000 and more $0.00 0.40% 0.40%1 Minimum Deposit $0.00 Dividend Rate 0.00% Annual Percentage Yield (APY) 0.00%1 Minimum Deposit $0.00 Dividend Rate 0.15% Annual Percentage Yield (APY) 0.15%1 Minimum Deposit $0.00 Dividend Rate 0.30% Annual Percentage Yield (APY) 0.30%1 Minimum Deposit $0.00 Dividend Rate 0.40% Annual Percentage Yield (APY) 0.40%1 1The APY quoted is effective as of 07/04/2025 and is subject to change. The APY may change after the account is opened. This is a tiered variable rate account. Fees could reduce earnings on the account. If the minimum daily balance falls below $10,000, a $15 monthly service fee will be charged.
A Business Card That Means Business
Your business deserves all the support it can get, and our Grow Visa® Business Rewards Credit Card is here to help every step of the way.
Business Credit Cards Annual Percentage Rate (APR) Business Rewards Introductory rate as low as 1.99% to 8.99% APR. The introductory rate is effective for the first six billing cycles for qualifying members on purchases and balance transfers. The introductory rate the business owner receives will be based on their creditworthiness and other factors. After the introductory period expires, your APR will range between 14.49% and 17.99%* for purchases and balance transfers. Business Rewards Secured Annual Percentage Rate as low as 12.40%* for purchases and balance transfers. Annual Percentage Rate (APR) Introductory rate as low as 1.99% to 8.99% APR. The introductory rate is effective for the first six billing cycles for qualifying members on purchases and balance transfers. The introductory rate the business owner receives will be based on their creditworthiness and other factors. After the introductory period expires, your APR will range between 14.49% and 17.99%* for purchases and balance transfers. Annual Percentage Rate (APR) Annual Percentage Rate as low as 12.40%* for purchases and balance transfers. *Annual Percentage Rate (APR). Rates are variable and will vary with the market based on Prime Rate as published in the Wall Street Journal “Money Rates” table on the last day of each calendar month. If the minimum monthly payment is 60 days late twice in a twelve month period, the rate will revert to a default rate of 18.00% for six (6) billing cycles. Other APRs: Cash Advances 18.00%, Overdraft to Share Account 18.00%. A finance charge of 1.00% will be charged on foreign transactions. The rate the business owner receives will be based on their creditworthiness and other factors. Rates are effective as of 07/04/2025 and could change without notice.
Something Saved For Future You
Our certificate accounts help your money grow with time, setting down-the-road you up for success.
Certificate Account Dividend Rate $500 - $99,999.99 Annual Percentage Yield (APY) $500 - $99,999.99 Dividend Rate $100,000+ Annual Percentage Yield (APY) $100,000+ 6 - 11 months 3.90% 3.97%1 4.00% 4.07%1 12 - 17 months 3.80% 3.87%1 3.90% 3.97%1 18 - 23 months 3.80% 3.87%1 3.90% 3.97%1 24 - 29 months 4.00% 4.07%1 4.10% 4.18%1 30 - 35 months 3.80% 3.87%1 3.90% 3.97%1 36 - 47 months 3.80% 3.87%1 3.90% 3.97%1 48 - 59 months 3.85% 3.92%1 3.95% 4.02%1 60 months 3.85% 3.92%1 3.95% 4.02%1 Dividend Rate $500 - $99,999.99 3.90% Annual Percentage Yield (APY) $500 - $99,999.99 3.97%1 Dividend Rate $100,000+ 4.00% Annual Percentage Yield (APY) $100,000+ 4.07%1 Dividend Rate $500 - $99,999.99 3.80% Annual Percentage Yield (APY) $500 - $99,999.99 3.87%1 Dividend Rate $100,000+ 3.90% Annual Percentage Yield (APY) $100,000+ 3.97%1 Dividend Rate $500 - $99,999.99 3.80% Annual Percentage Yield (APY) $500 - $99,999.99 3.87%1 Dividend Rate $100,000+ 3.90% Annual Percentage Yield (APY) $100,000+ 3.97%1 Dividend Rate $500 - $99,999.99 4.00% Annual Percentage Yield (APY) $500 - $99,999.99 4.07%1 Dividend Rate $100,000+ 4.10% Annual Percentage Yield (APY) $100,000+ 4.18%1 Dividend Rate $500 - $99,999.99 3.80% Annual Percentage Yield (APY) $500 - $99,999.99 3.87%1 Dividend Rate $100,000+ 3.90% Annual Percentage Yield (APY) $100,000+ 3.97%1 Dividend Rate $500 - $99,999.99 3.80% Annual Percentage Yield (APY) $500 - $99,999.99 3.87%1 Dividend Rate $100,000+ 3.90% Annual Percentage Yield (APY) $100,000+ 3.97%1 Dividend Rate $500 - $99,999.99 3.85% Annual Percentage Yield (APY) $500 - $99,999.99 3.92%1 Dividend Rate $100,000+ 3.95% Annual Percentage Yield (APY) $100,000+ 4.02%1 Dividend Rate $500 - $99,999.99 3.85% Annual Percentage Yield (APY) $500 - $99,999.99 3.92%1 Dividend Rate $100,000+ 3.95% Annual Percentage Yield (APY) $100,000+ 4.02%1 1The APY quoted is effective as of 07/04/2025 and is subject to change. The APY may change after the account is opened. Fees could reduce earnings. A penalty may be imposed for early withdrawals. If the account is opened with $100,000 or more, you must maintain a daily balance of $100,000 in your account each day to obtain the disclosed APY. If the account is opened with less than $100,000, you must maintain a minimum daily balance of $500.00 in your account each day to obtain the disclosed APY. If your account falls below the minimum balance requirements, your account will be closed.
Accounts are subject to approval.
How to Find Your Routing & Account Numbers
When you make a payment online, by phone or on a mobile device, you may be asked for our routing number and your checking account number. Credit unions and banks use these numbers to identify accounts and make sure money gets where it’s supposed to be. You’ll also need to provide your routing and checking account numbers for:
- Direct deposits
- Electronic checks
- Military allotments
- Wire transfers
Where to Find Your Routing & Checking Account Numbers
Your personal checks include both our routing number and your account number, as shown on the Grow check example below.
Don’t have a Grow check? No worries.
Visit any Grow store and ask for a Direct Deposit Form. It lists both your routing number and checking account number.
Making a Loan Payment
Incorrect Phone Number Alert
We’ve identified an incorrect phone number listed in a letter sent to a select group of new members with auto loans. The incorrect number is NOT affiliated with Grow. Please be sure to use our official phone number, 800.839.6328, which you can verify on our Contact Information page. For your security, keep your personal information safe and avoid sharing it over the phone, email or text message. We will never ask you for your credit or debit card security code, expiration date or PIN, login security codes, or your online banking password.
When it comes to making payments, we try to make it as painless as possible to pay your loan every month. We have several different ways to pay, including convenient online options.
Pay Online
You have two ways to pay online by transferring funds from another bank or credit union.
- Grow Online Banking (Preferred payment method for any loan)
This is the simplest way to pay your loan. You can make one-time payments or set up automatic recurring payments in Grow Online Banking. Once you log in, select “Transfer/Payments” from the menu. If you’re not enrolled in Grow Online Banking yet, you can set up your account in just a few minutes.
Log In
- Debit Card or ACH (Available for auto, personal loans and HELOCs)
Note: ACH and debit card payments are not available for credit cards or most mortgages, except HELOCs.
We accept ACH payments with no additional fees, consumer Mastercard® and Visa® debit cards with a convenience fee of $4.95, or commercial Mastercard® and Visa® debit cards with a convenience fee of 2.95% of the payment amount. To get started with an online ACH or debit card payment, select Pay Now below.
Pay Now
Pay by Mail
You can also pay any Grow loan by check through the mail. Please remember to include your account number and Grow loan number on the check. (For credit card payments, please do not write your 16-digit credit card number on the check, which can cause a delay in processing the payment.)
Address for auto, credit card, personal loan and HELOC payments:
Grow Financial Federal Credit Union
P.O. Box 75466
Chicago, IL 60675-5466Address for personal first or second mortgages and home equity payments:
Grow Financial Federal Credit Union
P.O. Box 11733
Newark, NJ 07101-4733You Are About To Leave GrowFinancial.org
At certain places on this site, there are links to other websites. Grow Financial Federal Credit Union does not endorse, approve, represent, certify or control those external sites. The credit union does not guarantee the accuracy, completeness, efficacy, timeliness or accurate sequencing of the information contained on them. You will not be represented by Grow Financial Federal Credit Union if you enter into a transaction. Privacy and security policies may differ from those practiced by the credit union. Click CONTINUE if you wish to proceed.
- Personal
- Membership
- Membership
- Rates & Fees
- Checking
- Checking
- Personal Loans
- Personal Loans
- Wealth Management
- Investment Services
- Financial Advisors
- Resource Center
- Business
Business
Rates & FeesHelping Businesses Grow is What We Do
Let’s get you where you want to grow, with the right rates on savings or checking accounts or our Grow Visa® Business Rewards Credit Card.
To make sure your money stays where it belongs, we also make it easy for you to understand what fees you may be charged and how to avoid them. View the Business Fee Schedule.
Like the way we do business?
Setting You Up For Success
Our no-fuss savings options help your hard-earned money work for you.
Savings Accounts Minimum Deposit Dividend Rate Annual Percentage Yield (APY) Business Savings Account $1.00 0.15% 0.15%1 Club Account $5.00 0.15% 0.15%1 Minimum Deposit $1.00 Dividend Rate 0.15% Annual Percentage Yield (APY) 0.15%1 1The APY quoted is effective as of 07/04/2025 and is subject to change. The APY may change after the account is opened. This is a variable rate account. Fees could reduce earnings.
Accounts are subject to approval.