Grow Financial Federal Credit Union

Rates
& Fees

Our Low Credit Union Interest Rates Help You Earn More & Pay Less


At Grow, we think you should be paid more — and pay less. It’s just another way we put people before profit. Whether it’s offering higher dividend rates on savings or lower interest rates on car loans and mortgages, you’re the one who benefits.

We don’t want to charge fees, either. So we make it easy for you to understand what fees you may be charged and how to avoid them. It’s what makes us one of the best credit unions in Florida. View the Fee Schedule.

Quality Care at Any Rate

Whether you’re getting a loan for a new car or putting away money in your savings account, our Grow team is dedicated to giving you the care you deserve every step of the way.

Loan Rates You’ll Adore

When you’re looking for a personal loan, you want a low rate and we deliver.

Apply for a Signature Loan
Vehicle LoansRate TypeTermsAPR
New Cars, Trucks and VansFixedVariesAs Low As 5.10%1
Used Cars, Trucks and VansFixedVariesAs low as 5.75%2
New WatercraftFixedVariesAs Low As 7.50%3
Used WatercraftFixedVariesAs Low As 8.25%3
New RVFixedVariesAs Low As 5.00%4
Used RVFixedVariesAs Low As 5.50%4
New MotorcyclesFixedVariesAs Low As 8.00%5
Used MotorcyclesFixedVariesAs Low As 8.25%5
New BMW, Ducati, Harley Davidson & Triumph MotorcyclesFixedVariesAs Low As 7.75%6
Used BMW, Ducati, Harley Davidson & Triumph MotorcyclesFixedVariesAs Low As 8.00%6
Personal LoansRate TypeTermsAPR
SignatureFixedVariesAs Low As 9.25%7
Certificate SecuredFixedVariesCertificate Rate +3.00%8
Share SecuredVariableVariesRate +3.00%9

Annual Percentage Rate (APR). The loan rates quoted are effective 03/23/2023 and are subject to change. Subject to credit approval.

1Fixed rates for new vehicles range from 5.10% APR to 18.0% APR. The rate you receive is determined by your credit history, collateral, term and loan to value.

2Fixed rates for used vehicles range from 5.75% APR to 18.0% APR. The rate you receive is determined by your credit history, collateral, term and loan to value.

3Fixed 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.

4Fixed 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.

5Fixed 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.

6Fixed 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.

7Fixed rates for signature loans range from 9.25% APR to 16.45% APR. The rate you receive is determined by your credit history.

8Fixed certificate secured loans. The APR is calculated at 3.00% above the dividend rate paid on the Certificate Account.

9Share secured loan rates are variable and subject to change without notice. Payment will not change if rate increases or decreases, instead, approximate term of loan will adjust. The APR is calculated at 3.00% above the dividend rate paid on the Basic Savings Account or Club Account.

Home Loans That Will Keep Your Home Happy

A home loan can often be the biggest debt you have. Our rates can make it easier to manage.

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.