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Advantages of
Joining a
Credit Union
Grow isn’t a bank. We’re a credit union. That means we’re not-for profit and owned by our members — not by corporate stockholders. You might wonder, “Are credit unions safe?” Absolutely. We are insured by the NCUA, keeping your money safe and secure. As a credit union, we put you first. From the rates we offer to the services we provide, we’re dedicated to serving you every step of the way.
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 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 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
When you transfer to a Grow Visa® Preferred Credit Card, there’s no transfer fee, cash advance fee or annual renewal fee.1
Learn About Balance TransfersLet’s Do This Together
Your Questions, Answered
We’ve answered some of our most commonly received questions to make sure you have everything you need to thrive.
You Grow More When You Spend Less
We make sure you always benefit, and that starts with better rates and lower fees.
About Grow
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 that 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 does this mean 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.
Credit cards are subject to credit approval. Not all will qualify for the lowest rate.
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 from 11.24% 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 07/06/2025 and could change without notice. Annual Percentage Rate (APR).
