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Switching toa Credit Union
Move On Up
When you make the move to Grow, you’re welcomed by people who put you first. All it takes is a $1 initial deposit to open a Basic Savings Account, instantly giving you access to all the benefits of a credit union membership.1 You can cut your high-interest credit card debt with a lower-rate Grow Visa® credit card or open a Grow CashBack Checking Account that pays you cash back. Yes, on your checking. No, it’s not what you expect when you bank. But we’re no bank. We’re a credit union, and we give you more of what you need.
How Grow Helps You Thrive
Opening a savings account with Grow means you’re in control of your money. We offer a variety of savings accounts to suit a variety of needs. Whether you need a straightforward savings account or want to watch your savings grow over several years, there’s an account that’s just right for you.
No minimum balance for our Money Market Accounts
Insured by the NCUA
Mobile and online banking
Get To Know Our Services
Don’t Let Debt Keep You Down
When you transfer a high-interest card to a Grow Visa® Preferred Credit Card, there’s no transfer fee, no cash advance fee, and no annual renewal fee.2 It’s just another way we put people before profit and help you get one step closer to a debt-free life.
Save Today, Thrive Tomorrow
When you switch to a credit union, you stay in control of your money as it grows.
Checking Made Simple
When you move your accounts to Grow, we make checking convenient and personalized to your spending habits.
A Card for How You Spend
Whether you’re looking for cash back or rewards points, we’ll help you choose the right Grow card for you.
Explore All the Ways We Can Help You Grow
We’re Here to Help
If you’re still wondering, “should I switch to a credit union?” feel free to visit your local Grow store to chat with one of our friendly Grow representatives. They will happily answer all of your questions and help you move your assets when you open an account with Grow.
Fewer Fees, Better Rates
From offering higher dividend rates on savings accounts to helping you avoid fees, we always put people before profit.
Your Questions, Answered
We’ve answered some of our most commonly received questions to make sure you have everything you need to thrive.
Everything You Need To Grow
Read our blog to learn more about membership and everything else in the Grow world.See All BlogsOctober 14, 2021
The Credit Union Difference: Why Choose a Credit Union Over a Bank
Banks and credit unions both provide an array of financial services from everyday banking to loans, but the main difference is the ownership.October 10, 2019
Let Bill Payments Be the Least of Your Worries
No one wants to spend hours writing out checks. With Bill Pay in Grow online and mobile banking, you can take care of them anytime, anywhere.June 8, 2021
Financial Literacy for Kids: Tips From Our Team Members
We asked our team members how they teach their own kids about important financial topics and received some excellent advice.
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.
1Membership requires purchasing a share in the credit union for $1.
2Subject to credit approval. 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 07/16/2022 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