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.

Loans
Checking
Savings
Credit Cards

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 Loans	Rate Type	Terms	APR
New Cars, Trucks and Vans	Fixed	Varies	As Low As 5.10%¹
Used Cars, Trucks and Vans	Fixed	Varies	As low as 5.75%²
New Watercraft	Fixed	Varies	As Low As 7.50%³
Used Watercraft	Fixed	Varies	As Low As 8.25%³
New RV	Fixed	Varies	As Low As 5.00%⁴
Used RV	Fixed	Varies	As Low As 5.50%⁴
New Motorcycles	Fixed	Varies	As Low As 8.00%⁵
Used Motorcycles	Fixed	Varies	As Low As 8.25%⁵
New BMW, Ducati, Harley Davidson & Triumph Motorcycles	Fixed	Varies	As Low As 7.75%⁶
Used BMW, Ducati, Harley Davidson & Triumph Motorcycles	Fixed	Varies	As Low As 8.00%⁶

Personal Loans	Rate Type	Terms	APR
Signature	Fixed	Varies	As Low As 9.25%⁷
Certificate Secured	Fixed	Varies	Certificate Rate +3.00%⁸
Share Secured	Variable	Varies	Rate +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.

Earn Cash Back On Your Checking

With us, you’ll even earn money on your checking account and have the convenience of a Grow Visa^® debit card.

Open a Checking Account

Personal Checking Accounts	Overview	Minimum Deposit	Dividend Rate	Annual Percentage Yield (APY)
Grow CashBack Checking¹	Our checking pays you! You’ll earn an extra 5 cents for every qualifying swipe of your Grow Visa Debt debt card.	$0.00	0.00%	0.00%¹
Grow Checkless Checking²	Checking without checks? We have the technology! Checkless Checking offers a simple, basic way to keep track of your spending, without checks or nonsufficient funds fees.	$0.00	-	-

Grow Checking Accounts are subject to ChexSystems^® approval.

¹Annual Percentage Yield. Grow CashBack Checking is a variable rate account. The APY may change without notice after the account is opened. You will earn a cash back bonus of $0.05 per qualifying Grow Visa debit card transaction. Qualified debit card transactions include signature or PIN based point-of-sale purchases, bill payment made with your Grow Visa debit card, and online purchases. Excludes ATM withdrawals, deposits and transfers. We will deposit your cash back bonus earnings the last day of the month. Fees could reduce earnings on the account. The APY is accurate as of 07/01/2020 and may change without notice.

²You cannot use paper checks on this account. Any check written will be returned unpaid, even if you have sufficient money in your account.

Grow Visa Debit Card Point-of-Sale Transaction Limitation
Based on your account relationship the daily limit for purchases ranges from $3,000 to $7,500. This applies to all types of checking accounts.

We’ll Help Your Savings Pile Up

You expect to earn a dividend on your savings, but we think these rates will be a pleasant surprise.

Open a Savings Account

Savings Accounts	Minimum Deposit	Dividend Rate	Annual Percentage Yield (APY)
Basic Savings Account	$1.00	0.10%	0.10%¹
Club Account	$5.00	0.10%	0.10%¹
IRA Savings Account	$0.00	0.25%	0.25%¹
Roth IRA Savings Account	$0.00	0.25%	0.25%¹
Coverdell Education Savings Account	$0.00	0.25%	0.25%¹
Health Savings Account	$0.00	0.10%	0.10%¹
Get Fit Account	$5.00	0.35%	0.35%²

Money Market Account	Dividend Rate	Annual Percentage Yield (APY)
Balance less than $25,000	0.90%	0.90%³
Balance of $25,000 to $49,999.99	1.00%	1.00%³
Balance of $50,000 to $99,999.99	1.10%	1.11%³
Balance of $100,000 to $249,999.99	1.25%	1.26%³
Balance of $250,000 to $499,999.99	1.50%	1.51%³
Balance of $500,000 and more	1.75%	1.76%³

Certificate Account	Dividend Rate $500 - $99,999.99	Annual Percentage Yield (APY) $500 - $99,999.99	Dividend Rate $100,000+	Annual Percentage Yield (APY) $100,000+
6 - 11 months	2.00%	2.02 %⁴	2.10%	2.12%⁴
12 - 17 months	3.00%	3.04%⁴	3.10%	3.14%⁴
18 - 23 months	3.00%	3.04%⁴	3.10%	3.14%⁴
24 - 29 months	3.00%	3.04%⁴	3.10%	3.14%⁴
30 - 35 months	3.20%	3.25%⁴	3.30%	3.35%⁴
36 - 47 months	3.20%	3.25%⁴	3.30%	3.35%⁴
48 - 59 months	3.20%	3.25%⁴	3.30%	3.35%⁴
60 months	3.90%	3.97%⁴	4.00%	4.07%⁴

IRA Certificate Account	Dividend Rate $500 - $99,999.99	Annual Percentage Yield (APY) $500 - $99,999.99	Dividend Rate $100,000+	Annual Percentage Yield (APY) $100,000+
6 - 11 months	2.00%	2.02%⁴	2.10%	2.12%⁴
12 - 17 months	3.00%	3.04%⁴	3.10%	3.14%⁴
18 - 23 months	3.00%	3.04%⁴	3.10%	3.14%⁴
24 - 29 months	3.00%	3.04%⁴	3.10%	3.14%⁴
30 - 35 months	3.20%	3.25%⁴	3.30%	3.35%⁴
36 - 47 months	3.20%	3.25%⁴	3.30%	3.35%⁴
48 - 59 months	3.20%	3.25%⁴	3.30%	3.35%⁴
60 months	3.90%	3.97%⁴	4.00%	4.07%⁴

Grow Savings Accounts are subject to ChexSystems^® approval.

¹The APYs are accurate as of 10/01/2022 and may change without notice after the account is opened. Variable Rate. Fees could reduce earnings.

²The APYs are accurate as of 07/01/2013 and may change without notice after the account is opened. Variable Rate. Fees could reduce earnings. Minimum balance to open is $5. Maximum balance to open is $400. Minimum deposit per month is $20. Maximum deposit per month is $400, withdrawals are permitted. Bonus: When the account reaches $10,000, we will deposit $100 to that account within 90 days and your funds will be transferred to your Basic Savings Account. If more than $400 per month is deposited, the excess will be automatically transferred to your Basic Savings Account. If excess deposits have to be transferred 3 times to the Basic Savings Account, during a 12-month period, the balance of the account will be transferred to the Basic Savings Account. If you fail to deposit $20 per month for 3 months during a 12 month period, the funds in the account will be transferred to the Basic Savings Account. Fees could reduce earnings.

³The APYs are accurate as of 02/01/2023 and may change without notice after the account is opened. This is a tiered account. Variable Rate Account. Fees could reduce earnings.

⁴The APYs are accurate as of 01/10/2023 and may change without notice. Fees could reduce earnings on the account. A penalty will be imposed for early withdrawals. If the account is opened with $100,000 or more, you must maintain a daily balance of $100,000 in your account each day to obtain the disclosed APY. If the account is opened with less than $100,000, you must maintain a minimum daily balance of $500.00 in your account each day to obtain the disclosed APY. If your account falls below the minimum balance requirements, your account will be closed. Certain restrictions apply on IRAs. Not all taxpayers are eligible. Consulate your tax advisor.

Fees: Please refer to our separate fee schedule.

Get the Credit Card Rates You Deserve

The less you pay in interest on your credit cards, the better you can manage your money. Our low rates on Grow Visa^® credit cards can help.

Compare Cards

	Visa Preferred	Visa Rewards	Visa Cash Rewards	Visa Preferred Secured
Intro Offer	Introductory 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.	Introductory Rate as low as 1.99% to 8.99% APR. The introductory rate is effective for the first six billing cycles for purchases and balance transfers.	None	Introductory 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.
Annual Percentage Rate (APR)	After the introductory period expires, or if you do not qualify for an introductory rate, your standard APR will range between 11.49% to 17.99%* for purchases and balance transfers. This is a variable rate.	After the introductory period expires, or if you do not qualify for an introductory rate, your standard APR will range between 15.74% to 17.99%* for purchases and balance transfers. This is a variable rate.	Annual Percentage Rate as low as 17.99%* 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 11.49% to 17.99%* for purchases and balance transfers. This is a variable rate.
Rewards	None	1 point per $1 spent	1 point per $1 spent	None
Annual Fee	$0	$0	$0	$0

*Annual Percentage Rate (APR). Rates are variable and 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. 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. The rate you receive will be based on your creditworthiness. Rates are effective as of 03/16/2023 and could change without notice.

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.

View Mortgage Rates

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.