- Personal Loans
- Personal Loans
- Home & Auto
Rates & Fees
Helping 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.
Business Savings Accounts Minimum Deposit Dividend Rate Annual Percentage Yield (APY) Business Savings $1.00 0.10% 0.10%1 Money Market Accounts Minimum Deposit Dividend Rate Annual Percentage Yield (APY) Balance less than $1,000 $0.00 0.00% 0.00%2 Balance of $1,000 to $9,999.99 $0.00 0.25% 0.25%2 Balance of $10,000 to $24,999.99 $0.00 0.30% 0.30%2 Balance of $25,000 to $49,999.99 $0.00 0.50% 0.50%2 Balance of $50,000 to $99,999.99 $0.00 0.80% 0.80%2 Balance over $100,000 $0.00 0.95% 0.95%2 Certificate Accounts Annual Percentage Yield (APY) $500 - $99,999.99 Annual Percentage Yield (APY) $100,00+ 6 - 11 months 1.10%3 1.20%3 12 - 17 months 1.60%3 1.70%3 18 - 23 months 1.80%3 1.90%3 24 - 29 months 1.95%3 2.05%3 30 - 35 months 2.00%3 2.10%3 36 - 47 months 2.05%3 2.15%3 48 - 59 months 2.10%3 2.20%3 60 months 2.15%3 2.25%3
1The APY quoted is effective as of 7/1/2009 and is subject to change. The APY may change after the account is opened. This is a variable rate account. Fees could reduce earnings. Minimum opening deposit of $1.00.
2The APY quoted is effective as of 8/1/2019 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.
3The APY quoted is effective as of 8/1/2019 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.
Business Checking Accounts Minimum Deposit Dividend Rate Annual Percentage Yield (APY) Grow Business Checking $0.00 0.00% 0.00% High Yield Business Checking $0.00 Balance less than $10,000 0.00% 0.00%1 Balance of $10,000 to $24,999.99 0.15% 0.15%1 Balance of $25,000 to $49,999.99 0.30% 0.30%1 Balance of $50,000 and more 0.40% 0.40%1
1The APY quote is effective as of 10/01/2015 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.
Intro APR Standard APR Business Rewards 1.99% - 4.99% APR 12.49% - 14.49% APR
Introductory rate as low as 1.99% to 4.99% 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 12.49% to 14.49%* for purchases and balance transfers. This is a variable rate. The rate the business owner receives will be based on their creditworthiness and other factors.
*Annual Percentage Rate (APR). This rate 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. The APR will not exceed 18.00%. 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. Rates are effective as of 01/01/2019 and could change without notice.
Grow Savings Accounts are subject to ChexSystems® 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
Nobody likes paying bills. We get it. That’s why at Grow, we make it as painless as possible to pay your loan every month. You can even choose how to do it.
Pay From Another Credit Union or Bank
You have two ways to pay by transferring funds online from another institution.
- Debit Card or ACH
We accept both Mastercard® and Visa® debit cards and ACH. With debit cards you’ll also pay a convenience fee of $4.95. To make a loan payment other than your mortgage or Grow Visa® credit card, click the button below.
- Grow Online Banking
You can make one-time payments or set up automatic recurring payments in your Grow Online Banking account. Simply select “Transfer/Payments” from the menu. And if you’re not enrolled in Grow Online Banking, you can set up your account in just a few minutes.
Pay by Mail
You can also pay your loan by check through the mail. Please remember to include your account number and Grow loan number on the check.
Send auto, credit card and personal loan payments to:
Grow Financial Federal Credit Union
P.O. Box 10006
Irmo, SC 29063-5006
Send home loan and home equity payments to:
Grow Financial Federal Credit Union
P.O. Box 11733
Newark, NJ 07101-4733