- Personal Loans
- Personal Loans
- Home & Auto
Making Life Less Scary
Think of Grow Financial Credit Union as your go-to resource for all things financial. Unlike banks, we’re owned by our members, which means we’ll always put you first. After all, our mission is to serve people, not profit. Whether you’re applying for a mortgage, looking for a new ride, or taking another big step in life, we’re here to help. We know those steps can seem intimidating. That’s why we’re here every step of the way, making life feel just a little less scary.
Grow understands your financial fears and is here to help you face them.
WATCH NOW TO LEARN MORE.
Face Your Financial Fears
We get it, figuring out your finances can feel frightening. That mortgage seems to creep up on you in the night, that credit card payment can haunt you, and contributing to your savings can even seem spooky. We’ll give you a hand in facing your financial fears, showing you they aren’t as scary as you might think.
Is the idea of a mortgage intimidating? Click below to overcome your fears.
Do credit cards feel daunting? Click below to conquer your financial anxieties.
Are you scared of saving? Click below to see it’s not so scary.
Let’s dispel these common fears about mortgages.
The good news is that you don’t have to. Our team of professional Real Estate Loan Officers are ready to help you simplify the mortgage process, from choosing the right mortgage type for you to understanding the application and approval process.Get Help With Mortgages
We’ll help you find the right mortgage type that fits both your budget and lifestyle. Grow offers a variety of options, including fixed-rate and adjustable-rate options, jumbo loans, professional loans and mortgages with down payment assistance.See Mortgage Options
Not always. While 20% is the most common down payment percentage, Grow can help you choose the right home loan and payment plan for your budget. For example, an FHA loan would require as little as a 3.5% down payment.View Loan Options
Let’s dispel these common fears about credit cards.
Opening a credit card triggers a hard inquiry, which can lower your score a few points. But when used responsibly, your credit card can help you quickly earn points and boost your score. We even designed the Grow Visa® Preferred Secured Credit Card for our members who want to improve their credit.View Credit Card Options
We know the options can seem overwhelming, but Grow helps you choose the right card for your lifestyle. If you want to earn cash back, then our Grow Visa® Cash Rewards Credit Card might be the one for you. If rewards like gift cards or travel perks are more your style, then you might want to consider our Grow Visa Rewards Credit Card.See Credit Card Options
Having trouble making your payment on the due date? While making on-time payments is essential, our Grow Financial team members are here to lend a hand and offer solutions to prevent any negative impact on your credit score. For valuable tips on maintaining a good credit score, visit our Credit Education page.View More Credit Education
Let’s dispel these common fears about your savings and checking accounts.
We make it easy for you to understand what fees you may be charged and how to avoid them.View Rates & Fees
Of course! We offer a variety of savings account options based on what you’re looking for, whether you’re wanting to keep your money secure or help it grow over time.See Savings Account Options
While individual savings goals can vary, our Grow team can help you create a plan that best fits your needs. And with high dividends on savings accounts and cash back credit card options, we make it easy to save as you spend.See Savings Account Benefits
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