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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.

Benefits of a Credit Union Personal Loan

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

Flexible repayment options in monthly installments

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.

Share 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

When you’re looking for a personal loan, you want a low rate and we deliver.

Personal Loans	Rate Type	Terms	APR
Signature	Fixed	Varies	As Low As 9.75%¹
Certificate Secured	Fixed	Varies	Certificate Rate +3.00%²
Share Secured	Variable	Varies	Rate +3.00%³

Rate Type	Fixed
Terms	Varies
APR	As Low As 9.75%¹

Rate Type	Variable
Terms	Varies
APR	Rate +3.00%³

Find A Loan You Like?

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

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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.

Pay Now

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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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April Credit Education: Good Credit Scores & Bad Credit Scams

It wouldn’t be a Financial Literacy Month without some credit education! While you’re doing your financial spring cleaning tasks, take some time to check in on your credit.

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 does this mean 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.

^*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.

Annual Percentage Rate (APR). The loan rates quoted are effective 07/16/2025 and are subject to change. Subject to credit approval.

¹Fixed rates for signature loans range from 9.75% APR to 17.99% 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.