- Personal
- Membership
- Membership
- Rates & Fees
- Checking
- Checking
- Personal Loans
- Personal Loans
- Wealth Management
- Investment Services
- Life Events
- Trust and Will
- Financial Advisors
- Business
Retirement
AccountsSave For The Future
You Dream Of
Chances are, your retirement isn’t going to be like a TV commercial. You might not be sailing the Mediterranean or opening a winery in Napa. But if you save for it, you’ll have plenty of time and money for the things you really love. This is where we come in with the assist—by helping make the retirement you want possible. We have educational resources ready for you, and we can explain how to get started and keep moving in the right direction. So, no matter where you are, we can help you decide the best way to get where you want to be with a retirement account.1 Grow members can open a retirement account through online banking.
Traditional IRA
With a Traditional IRA, your contributions may be tax deductible during your working years which means you save more today, but you’ll pay income taxes on the withdrawals you take in retirement.
Not yet a Grow member? You can still open an IRA at any of our stores.
Existing Grow MembersRoth IRA
With a Roth IRA, your contributions are made with after tax dollars, and the withdrawals you make in retirement may be tax free. Something to think about.
Not yet a Grow member? You can still open a Roth IRA at any of our stores.
Existing Grow MembersLearn How IRAs Work IRL
Since IRAs can be tricky, how do you know which one to choose? That’s why it’s important to have someone to talk to. At Grow, we get it, and we have people who can explain it to you. This is someone who’s earned certifications through an accredited training program offered to banks and credit unions. In other words, we know our stuff.
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.
1Certain 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
At certain places on this site, there are links to other websites. Grow Financial Federal Credit Union does not endorse, approve, represent, certify or control those external sites. The credit union does not guarantee the accuracy, completeness, efficacy, timeliness or accurate sequencing of the information contained on them. You will not be represented by Grow Financial Federal Credit Union if you enter into a transaction. Privacy and security policies may differ from those practiced by the credit union. Click CONTINUE if you wish to proceed.