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Money
Market &
CertificateHigher Balances Deserve
Higher Rates
Save long enough and you just may grow a nice chunk of change. In today’s world, we know how hard that can be, so we think that effort should earn you a higher dividend rate. That’s why our Money Market, Certificate and IRA Certificate Accounts come with the most competitive dividends we offer. So, the more you save, the more you earn, and the faster your money grows.
Money Market Account
You don’t need to have a rich uncle to get a great dividend. You can earn one of our most competitive rates and still be able to get your hands on your money when you need it. A Money Market Account is great for stashing money you may need.
Certificate Account
If you have any amount over $500 that doesn’t fit under your mattress anymore, you can open a Certificate Account.1 You choose how long, from six months to five years and your money grows steadily as dividends compound throughout the term.
IRA Certificate Account
Since you won’t need your retirement savings for a few decades, our IRA Certificate Account offers our most attractive rates. With balances of $500 or more, you get the best of everything—the security of a Certificate Account1 plus potential tax advantages2 that could really make your savings grow faster.
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.
Grow Savings Accounts are subject to ChexSystems® approval.
1A penalty will be imposed for early withdrawals.
2Certain restrictions apply. Not all taxpayers are eligible. Consult your tax advisor.
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.
Pay Online
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.
Log In
- 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 Now
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 60675-5466Address for personal first or second mortgages and home equity payments:
Grow Financial Federal Credit Union
P.O. Box 11733
Newark, NJ 07101-4733You Are About To Leave GrowFinancial.org
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