- Personal Loans
- Personal Loans
- Home & Auto
Grow is different. We’re not a bank. We’re a credit union, which means we’re a not-for-profit owned by our members. You might ask, “are credit unions safe?” Absolutely. We are insured by the NCUA, keeping your money safe and secure. Instead of being obligated to increase profits for stockholders, we’re dedicated to serving members. That shows in everything we do — like in the rates we can offer, the service we provide when you’re buying a home or the help we give when you’re saving for retirement.
How to Become A Grow Member
Managing your finances shouldn’t be intimidating, which is why we’ve made becoming a Grow member accessible and easy. The first step is opening a Basic Savings Account. Once you’ve done this, we have several account options to help you manage and grow your money.
When you open a Basic Savings Account, we invest our profits in you, helping you enjoy today while saving for tomorrow. That means you can still enjoy your favorite cup of coffee or craft beer while saving for life’s next adventure.
Credit Unions vs. Banks
We’ve put together this video to help you understand the difference between a credit union and a bank. Spoiler: the key difference is, we put people over profit. Become a member today by opening a Basic Savings Account, and start enjoying all the benefits our credit union has to offer.
Explore All the Ways We Can Help You Grow
Save More With Grow
Our various savings accounts keep you in charge of your money, no matter how you want to watch it thrive.
Checking Done Your Way
From getting rewarded for shopping to checking without the checks, our checking accounts are tailored to your spending needs.
A Card for How You Spend
Whether you’re looking for cash back or rewards points, we have the right card for you.
Get Help Hitting the Road
Get help finding the right auto loan for your next adventure.
Find Your Way Home
We’re here to help you feel at home as you find your home.
Don’t Let Debt Keep You Down
When you transfer to a Grow Visa® Preferred Credit Card, there’s no transfer fee, cash advance fee, or annual renewal fee.1
Our various savings accounts keep you in charge of your money, no matter how you want to watch it thrive.View Savings Accounts
From getting rewarded for shopping to checking without the checks, our checking accounts are tailored to your spending needs.View Checking Accounts
Whether you’re looking for cash back or rewards points, we have the right card for you.Compare Cards
Let’s Do This Together
Ever since we were founded in 1955, Grow has been more about people than profit. Since banks back then didn’t really understand how to work with service members, a group of civilian employees at MacDill Air Force Base in Tampa decided base personnel needed their own credit union. These employees cleared out a broom closet, and the MacDill Air Force Base Federal Credit Union was born. The next couple of decades were a boom time for the Sunbelt, and our credit union welcomed all kinds of people, not just military personnel. As we grew with the community, we became Grow. The name reflected the essence of who we are and what we set out to do — help people grow. Personally. Professionally. Financially. And after 60 years, we’re just getting started.
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.
1Introductory Rate as low as 1.99% to 4.99% 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 between 8.49% 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 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. Rates are effective as of 03/16/2023 and could change without notice. Annual Percentage Rate (APR).
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