Grow Financial Federal Credit Union

Rates & Fees

Earning More and Paying Less Sure Beats the Other Way Around


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. View the 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.

Apply for a Credit Card
Intro APRStandard APR
Grow Visa Rewards1.99% - 8.99% APR12.99% - 16.99% APR
Grow Visa Cash Rewards15.74% - 17.49% APR
Grow Visa Preferred1.99% - 4.99% APR8.74% - 11.74% APR

Grow Visa Rewards
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. After the introductory period expires, your standard APR will range between 12.99% to 16.99%* for purchases and balance transfers. This is a variable rate. The rate you receive will be based on your creditworthiness.

Grow Visa Cash Rewards
Annual Percentage Rate as low as 15.74% to 17.49%* for purchases and balance transfers. The rate you receive is based on your creditworthiness.

Grow Visa Preferred
Low 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. After the introductory period expires, or if you do not qualify for an introductory rate, your standard APR will range between 8.74% to 11.74% for purchases and balance transfers. This is a variable rate. The rate you receive will be based on your credit worthiness.

*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. 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 10/01/2019 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.

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.