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The Card You Need,
The Rewards You Want
For most people, choosing a credit card comes down to how they plan to use it. Are you a frequent swiper who likes getting cash back? There’s a card for that. Prefer rewards points instead? We’ve got ‘em. Looking for simplicity and the lowest possible rates? There’s a card for that too. Plus, as a credit union, our rates on any credit card will never exceed 18% — though most members enjoy rates much lower than that.
Grow Visa Rewards Grow Visa Cash Rewards Grow Visa Preferred Grow Visa Preferred Secured Annual Fee $0 $0 $0 $0 Balance Transfer Fee $0 $0 $0 $0 Earns Rewards Yes Yes No No Intro Annual Percentage Rate (APR) As low as 1.99% to 8.99% APR, good for the first six billing cycles on purchases and balance transfers No As low as 1.99% to 4.99% APR, good for the first six billing cycles on purchases and balance transfers As low as 1.99% to 4.99% APR, good for the first six billing cycles on 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 from 13.49% to 17.49%.* As low as 16.24% to 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 from 9.24% to 17.99%.* After the introductory period expires, or if you do not qualify for an introductory rate, your standard APR will range from 9.24% to 17.99%.* Visa Zero Liability Protection Yes Yes Yes Yes
Grow Visa Rewards Credit Card
Our top pick for frequent card users, this card earns rewards on every swipe. Take those points and redeem them for gift cards, travel and other perks from the Grow Rewards Catalog. Plus, enjoy an intro APR period for the first six months.
Grow Visa Cash Rewards Credit Card
Prefer cash over points? This is the card for you. Earn cash back on every swipe, with no spending limits. That means there’s no cap on the cash back you can earn, so you’ll cash in on every dollar you spend — even paying bills.
Grow Visa Preferred Credit Card
If you like simplicity and value, the Grow Visa Preferred Credit Card has both. With our lowest intro APR range for both balance transfers and purchases, this card is popular for both debt consolidation and everyday spending.
Grow Visa Preferred Secured Credit Card
Is your credit score not quite where it needs to be? We designed the Grow Visa Preferred Secured Credit Card for our members who want to improve their credit. Secured by funds in your savings account, this card makes a great tool to help you build a positive credit history and credit score.
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.
Subject to credit approval.
*Annual Percentage Rate (APR). This rate is 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. The rate you receive will be based on your creditworthiness. Rates are effective as of 08/16/2022 and could change without notice.
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