- Personal Loans
- Personal Loans
- Home & Auto
June 8, 2023
Do These Four Things to Get Ready for Hurricane Season
With hurricane season upon us, now is the right time to get prepared. Hurricanes and other weather emergencies can bring additional stress and uncertainty, especially in flood-prone or coastal areas. Being prepared can help give you peace of mind and keep you and your family safe. Make sure you add these four tasks to your list before a storm:
1. Get physically prepared.
When it comes to riding out stormy weather, getting your physical supplies together is key, including gathering enough shelf-stable food and drinking water for your family. Generally, one gallon of water, per person, per day, with enough to last five to seven days is recommended. Don’t forget to know your evacuation zone and routes and to keep an eye on your area’s weather alerts before, during and after a major storm. (An emergency weather alert radio is smart to keep around, plus extra batteries.) It’s also important to review your family emergency plan together to make sure everyone knows how you will communicate, where you will meet and what steps you will take in the event of a hurricane or other emergency.
Generators are a great asset to have during a power outage because they can power critical appliances, like your refrigerator. If you’re considering getting a generator, start the process now to avoid the post-hurricane rush. For those in Florida, you may have taken advantage of the first of two disaster preparedness sales tax holidays from May 27 through June 9, 2023, where certain hurricane season preparation items were tax-free. If you missed it, there’s a second disaster preparedness tax-free holiday from August 26 through September 8, 2023! If you want additional advice about physical preparation, the National Weather Service has an excellent resource library with instructions about how to prepare for all kinds of weather emergencies, including how to prepare for hurricanes and tropical storms.
2. Stash an emergency fund.
As you’re preparing physically, remember to prepare financially, as well. It’s always wise to have at least three to six months of living expenses in a place you can easily access, such as a Grow Basic Savings Account, to cover the cost of any unforeseen situations. That’s especially true after an emergency. It’s also important to keep some cash on hand in a safe location. You never know when ATMs or terminals might be temporarily down after extreme weather, so stash some cash just in case.
3. Check your insurance coverage.
Review your current insurance policies, including homeowners, renters and auto, to ensure you’re sufficiently covered in case of damage or loss. Increase your coverage limits, if needed, and be aware of out-of-pocket expenses and deductibles. If you don’t already have it, consider adding a flood insurance policy. No one in the history of post-hurricane cleanup has ever said, “I wish I didn’t have that flood insurance.” In fact, it’s usually the opposite — don’t wait until it’s too late to add flood insurance coverage for your home. If you’re looking for insurance policies, check out our affiliated insurance services provider, Quorum Insurance, LLC, for a free, no-obligation quote.*
4. Keep important documents safe.
It’s crucial to keep important documents safe and accessible — things like household identification, financial and legal documentation, and medical information — whether in a safe deposit box, secure cloud storage, or another safe place during a weather emergency. Use this FEMA checklist to learn more about safeguarding critical documents and valuables. In addition to these three essential steps above, we recommend reviewing the Emergency Financial First Aid Kit, a joint publication from Operation Hope and FEMA that will help you prepare financially and reduce the impact of disasters on you and your family.
By completing these essential tasks before a severe weather event, you’ll be well-prepared to face potential challenges and protect what matters most. Remember, preparedness is key!
*Quorum Insurance, LLC is an affiliate of Grow Financial. Insurance products purchased through Quorum Insurance, LLC are not deposits of Grow Financial and are not protected by NCUA. They are not an obligation of or guaranteed by Grow Financial and may be subject to risk. Business conducted with Quorum Insurance, LLC is separate and distinct from any business conducted with Grow Financial. Grow Financial is in no way responsible for the services provided through this program.
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