- Personal Loans
- Personal Loans
- Home & Auto
October 14, 2021
Choosing a Credit Card: Four Options at Grow
Choosing a credit card can feel like a big task. With all the options on the market today, it can be overwhelming to wade through the waters of many details which can leave you wondering, which credit card is best? It all depends on what you need and how you’ll use it.
Do you want to earn rewards points or cash back on your purchases? Are you looking for simplicity with the best possible Annual Percentage Rate (APR)? Are you working to rebuild your credit and need a card designed with that in mind?
We’ve got something for almost everyone among our selection of Grow Visa® credit cards. All our credit cards are backed by Visa® Zero Liability Protection against fraud, and you’ll find no annual fees or balance transfer fees in sight.
Which credit card is right for you?
Grow Visa Rewards Card Grow Visa Cash Rewards Card Grow Visa Preferred Card Grow Visa Preferred Secured Credit Card Best For You If: You want to earn Grow rewards points with every swipe. You’re a frequent card user and prefer earning cash instead of points. You prefer simplicity: a great value card with a low standard APR. You’re working to rebuild your credit score. Annual Fee Never! Nope! Nada! Zilch! Balance Transfer Fee $0 $0 $0 – Introductory APR As low as 1.99% to 8.99% APR, good for the first six billing cycles on purchases and balance transfers – As low as 1.99% to 4.99% APR, good for the first six billing cycles on purchases and balance transfers As low as 1.99% to 11.99%* for the first six billing cycles on purchases and balance transfers Annual Percentage Rate (APR) After the introductory period expires, or if you do not qualify for an introductory rate, your standard APR will range from 11.24% to 15.24%.* As low as 13.99% to 15.74% for purchases and balance transfers* After the introductory period expires, or if you do not qualify for an introductory rate, your standard APR will range from 6.99% to 17.49%.* After the introductory period, or if you don’t qualify for an introductory rate, your APR will range between 6.99% to 15.74%.*
Grow Visa Rewards Card
Great for frequent card users, this card earns Grow rewards with every swipe. Redeem those points for gift cards, appliances, name brand products and more.
Grow Visa Cash Rewards Card
Would you rather earn cash? With this card, you can earn cash back on every swipe with no spending limits.
Grow Visa Preferred Card
If you’re looking for a great value and simplicity, this card might be right for you. The biggest draw? Typically, members qualify for the lowest standard APR with the Grow Visa Preferred Card plus fee-free balance transfers, which can come in handy if you’re looking to pay down higher interest debt. Learn more about our Grow Visa Preferred Card.
Grow Visa Preferred Secured Credit Card
Rebuilding your credit? Our Grow Visa Preferred Secured Credit Card can start you on the path toward rebuilding credit. It’s secured by a deposit to a savings account, and the balance in that account is your credit limit. After a period of on-time payments, and no late payments with your other accounts, you may qualify for an unsecured credit card. Learn more about good habits to rebuild your credit score.
Find a Card You Like?
Our easy online application takes just a few minutes.
Subject to credit approval.
*Annual Percentage Rate (APR). This rate is 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. 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. The rate you receive will be based on your creditworthiness. Rates are effective as of 04/07/2020 and could change without notice.
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
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.
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.
- 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 or Mastercard® and Visa® debit cards with a convenience fee of $4.95. To get started with an online ACH or debit card payment, select Pay Now below.
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 60675-5466
Address for personal first or second mortgages and home equity payments:
Grow Financial Federal Credit Union
P.O. Box 11733
Newark, NJ 07101-4733