Grow Financial Federal Credit Union

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Personal
Loans

Adding Flexibility to Your Finances


Whenever you need extra cash, Grow is ready to help with our suite of personal loans. Our small personal loans are designed to give your finances flexibility should a need or opportunity arise by offering a variety of amounts and payment schedules. Whether you need simple overdraft protection, you’re building your credit or making a large purchase, or you have just about any other financial need, Grow personal loans are available to all creditworthy members in good standing.

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Benefits of a Credit Union Personal Loan

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Interest rates that are typically lower than a cash advance on a credit card

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Flexible repayment options in monthly installments

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Ideal for life emergencies, debt consolidation or large purchases

A Loan for Every Need

Our personal loan options are designed to best fit your needs, helping you confidently make that big purchase or consolidate your debt.

Shared Secured Loans

With a Share Secured Loan, members can borrow up to 100% of the funds they have on account with Grow. Loans come with a variable interest rate when you borrow against a Basic Savings Account or Club Account and a fixed rate when borrowing against a Certificate Account.

Signature Loans

For creditworthy members, we offer our Signature Loans: unsecured personal loans available in amounts starting at $500 to meet any financial need.

Overdraft Protection

We offer Overdraft Protection from a minimum of $500 to a maximum of $1,000. This is an unsecured, revolving loan that is only available to cover an overdraft and is transferred to a member’s account in increments of $50.

Loan Rates You’ll Adore

Personal Loans Rate Type TermsAPR
SignatureFixedVariesAs Low As 11.45%1
Certificate Secured FixedVariesCertificate Rate +3.00%2
Share Secured VariableVariesRate +3.00%3

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Explore All the Ways We Can Help You Grow

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Making a Loan Payment

We make paying your loans as easy and painless as possible, from paying online to sending a payment in the mail.

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Apply for a Grow Credit Card

If a personal loan doesn’t suit your financial needs, our credit card options can help you confidently make big or everyday purchases.

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Learn More About Loans

Need help understanding loan payments and approvals? Our blog is here to help.

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March 11, 2021

Develop These Four Habits to Improve Your Credit

Most of us care about improving our credit scores, not only because boosting your credit score feels like a personal win, but also because it helps you get better interest rates on new credit and saves you money over time.

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July 11, 2019

Need Extra Cash? Here’s Why a Grow Personal Loan Is the Perfect Solution

Sometimes, life takes an unexpected turn where you suddenly need some extra financing. A Grow personal loan can be just the thing to get you back on track.

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September 9, 2021

Nine Tips to Be Smarter with Your Money

You don’t have to be rich to be smart with your money. Grow team members share nine financial tips about savings, credit and more.

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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.

Loans are subject to credit approval.

1Fixed rates for signature loans range from 11.45% APR to 16.45% APR. The rate you receive is determined by your credit history.

2Fixed certificate secured loans. The APR is calculated at 3.00% above the dividend rate paid on the Certificate Account.

3Share 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.

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