- Personal Loans
- Personal Loans
- Home & Auto
The Card You Need,
The Rewards You Want
For most people, choosing a credit card comes down to how they plan to use it. So why shouldn’t you get to choose your rewards, too? Whether you want rewards points or cash back or simple value, at Grow, it’s your choice. We have a Grow Visa® credit card to suit pretty much everyone, no matter how you like to be rewarded.
Grow Visa Rewards Grow Visa Cash Rewards Grow Visa Preferred Grow Visa Preferred Secured Visa Zero Liability Protection • • • • No Annual Fee • • • • No Balance Transfer Fee • • • • No Cash Advance Fee • • • • Earn Rewards • • Low Intro APR for 6 Months •
1.99% - 8.99% APR
1.99% - 4.99% APR
1.99% - 11.99% APR
Low Standard APR •
12.99% - 16.99% APR
15.74% - 17.49% APR
8.74% - 11.74% APR
8.74% - 16.74% APR
Grow Visa Rewards
Rewards valid on purchases only. Introductory rate as low as 1.99% to 8.99% APR.1 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 12.99% to 16.99%1 for purchases and balance transfers. This is a variable rate. The rate you receive will be based on your credit worthiness.
Grow Visa Cash Rewards Credit Card
Cash rewards valid on purchases only. Annual Percentage Rate as low as 15.74% to 17.49%1 for purchases and balance transfers. This is a variable rate. The rate you receive is based on your credit worthiness.
Grow Visa Preferred Credit Card
Introductory Rate as low as 1.99% to 4.99% APR.1 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%1 for purchases and balance transfers. This is a variable rate. The rate you receive will be based on your credit worthiness.
Grow Visa Preferred Secured Credit Card
Secured by funds in your savings account, the Grow Visa Preferred Secured Credit Card can help you build a positive credit history and credit score. Depending on your credit worthiness, your introductory APR will range between 1.99% and 11.99%1 for the first six billing cycles on purchases and balance transfers. After the introductory period, or if you don’t qualify for an introductory rate, your APR will range between 8.74% and 16.74%¹ for purchases and balance transfers.
As of December 31, 2017, Grow has discontinued selling gift cards.
Previously issued gift cards with a remaining balance may still be used according to the gift card’s Terms and Conditions. Gift card holders will continue to have access to their account via the website www.MAP-gift.com and via the call center at 1.800.711.1806 ($3.95 Customer Service Rep Phone Fee may apply).
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.
1Annual 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. Rates are effective as of 10/01/2019 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
Nobody likes paying bills. We get it. That’s why at Grow, we make it as painless as possible to pay your loan every month. You can even choose how to do it.
Pay From Another Credit Union or Bank
You have two ways to pay by transferring funds online from another institution.
- Debit Card or ACH
We accept both Mastercard® and Visa® debit cards and ACH. With debit cards you’ll also pay a convenience fee of $4.95. To make a loan payment other than your mortgage or Grow Visa® credit card, click the button below.
- Grow Online Banking
You can make one-time payments or set up automatic recurring payments in your Grow Online Banking account. Simply select “Transfer/Payments” from the menu. And if you’re not enrolled in Grow Online Banking, you can set up your account in just a few minutes.
Pay by Mail
You can also pay your loan by check through the mail. Please remember to include your account number and Grow loan number on the check.
Send auto, credit card and personal loan payments to:
Grow Financial Federal Credit Union
P.O. Box 10006
Irmo, SC 29063-5006
Send home loan and home equity payments to:
Grow Financial Federal Credit Union
P.O. Box 11733
Newark, NJ 07101-4733