- Personal
- Membership
- Membership
- Rates & Fees
- Checking
- Checking
- Personal Loans
- Personal Loans
- Wealth Management
- Investment Services
- Financial Advisors
- Resource Center
- Business
November 7, 2023
Earn Rewards for Your Holiday Spending With a Grow Visa Rewards Card
Almost three-quarters of holiday shoppers plan to use credit cards for their holiday purchases.1 Now, we’re all about making sure you can avoid common holiday spending blunders, like not setting a budget or overspending your budget. Once you’ve created your holiday spending budget, think about how you can maximize credit card rewards. When you shop with a Grow Visa® Rewards Card, you’ll earn rewards on every dollar you spend.2
Earn rewards points on every purchase.
Yes, you’ll rack up rewards each time you use your card, no matter what you’re buying. Your Thanksgiving turkey and all the fixings. Gifts for your family and friends. Maybe even a little something special for you! All these purchases and more could be earning rewards at a rate of one rewards point per $1 spent. Redeem those points for gift cards to your favorite retailers and restaurants or items from the Grow rewards catalog. It’s like your holiday gift-giving gives you a little bit back. You might even come to think of holiday shopping season as rewards season!
When you open a Grow Visa Rewards Credit Card, get an introductory APR as low as 1.99% to 8.99%, good for the first six billing cycles on purchases and balance transfers.3 After the introductory period expires, or if you do not qualify for an introductory rate, you’ll enjoy a low standard variable APR from 15.99% to 17.99%. Another great perk? We don’t like fees, so we avoid all the big ones:
- No annual fee
- No balance transfer fees
- No cash advance fees
All Grow Visa credit cards include contactless payment, so you can simply tap your card at the checkout to enjoy fast, secure transactions. Plus, you’ll be protected by Visa Zero Liability Fraud Protection which safeguards against unauthorized card use. Enjoy peace of mind, rewards on every dollar you spend, no annual fee and a competitive APR.
Ready to start earning rewards?
OPEN A GROW VISA REWARDS CREDIT CARD
1NerdWallet. 2023 Holiday Shopping Report. Accessed October 18, 2023. https://www.nerdwallet.com/article/shopping/2023-holiday-shopping-report.
2Subject to credit approval.
3Introductory rate as low as 1.99% to 8.99% APR. The introductory rate is effective for the first six billing cycles 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 15.99% to 17.99% for purchases and balance transfers. This is a variable rate. The rate you receive will be based on your credit worthiness. This rate will vary with the market based on the 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 12-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 10/16/2024 and could change without notice. Annual Percentage Rate (APR).
Posted In:
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.
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 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 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.