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- Personal Loans
- Personal Loans
- Commercial Loan Officers
- Online & Mobile Banking
- Additional Services
- Member Testimonials
- SBA PPP Loan
- Home & Auto
Putting You In The Driver's Seat
There’s no bigger thrill than driving your own car. For many, it’s the first taste of true independence. So when you’re ready to buy a car, new or used, Grow is ready with an auto loan that fits. You’ll get easy financing, preapprovals so you can shop with confidence, and low rates. Apply for a loan with us to get preapproved in as little as 60 seconds, and take that to any dealer anywhere in the country. You can also buy select pre-owned vehicles for as low as 0.0% APR1 from Grow through CU Auto Branch, a dealership dedicated to credit union members.
Vehicle Loans Rate Type Terms APR New Cars, Trucks and Vans Fixed Varies As Low As 2.99%2 Used Cars, Trucks and Vans Fixed Varies As low as 3.24%3 New Watercraft Fixed Varies As Low As 7.5%4 Used Watercraft Fixed Varies As Low As 8.25%4 New RV Fixed Varies As Low As 5.0%5 Used RV Fixed Varies As Low As 5.5%5 New Motorcycles Fixed Varies As Low As 8.0%6 Used Motorcycles Fixed Varies As Low As 8.25%6 New BMW, Ducati, Harley Davidson & Triumph Motorcycles Fixed Varies As Low As 7.75%7 Used BMW, Ducati, Harley Davidson & Triumph Motorcycles Fixed Varies As Low As 8.0%7
Annual Percentage Rate (APR). The loan rates quoted are effective 05/20/2022 and are subject to change. Subject to credit approval.
2Fixed rates for new vehicles range from 2.99% APR to 18.0% APR. The rate you receive is determined by your credit history, collateral, term and loan to value.
3Fixed rates for used vehicles range from 3.24% APR to 18.0% APR. The rate you receive is determined by your credit history, collateral, term and loan to value.
4Fixed rates for watercrafts range from 7.5% APR to 9.75% APR. The rate you receive is determined by your credit history, year of the watercraft, and term of the loan.
5Fixed rates for RVs range from 5.0% APR to 8.5% APR. The rate you receive is determined by your credit history, year of the RV, class, and term of the loan.
6Fixed rates for motorcycles range from 8.0% APR to 10.0% APR. The rate you receive is determined by your credit history, year of the motorcycle, and term of the loan.
7Fixed rates for premier motorcycles range from 7.75% APR to 10.5% APR. The rate you receive is determined by your credit history, year of the motorcycle, and term of the loan.
Dealership and Done
Car shopping is exhausting. We get it. That’s why we have over 1,000 participating dealerships across six states—Florida, South Carolina, Alabama, Georgia, North Carolina and Tennessee—offering auto loans with Grow Financial. Get great rates and close your loan without even leaving the showroom. It’s that easy.8
Wherever you are across the southeast United States, we’re helping you get competitive rates and loans, even when we’re closed.
Important Information About Procedures for Opening a New Account
To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: when you open an account we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.
1Fixed rates for select pre-owned vehicles range between 0.00% APR and 6.50% APR for terms up to 60 months. The rate you receive is determined by your credit history, year of the vehicle, and term of the loan.
8Subject to credit 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
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 and home equity 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 and personal loan payments:
Grow Financial Federal Credit Union
P.O. Box 75466
Chicago, IL 60675-5466
Address for mortgage and home equity payments:
Grow Financial Federal Credit Union
P.O. Box 11733
Newark, NJ 07101-4733