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You'll Thank Yourself Tomorrow
For Saving Today
To us, saving isn’t about giving things up. It’s not about cutting out your morning coffee just so you can hand that money to a bank. At Grow, we think you should be able to have your craft beer and a new home, too. It’s about us investing our profits in you, with higher dividend rates on your savings so you can enjoy today while saving for tomorrow. It’s about offering a variety of accounts to fit your financial needs. We can even help you avoid account service fees, so you keep more and save faster.
Learn how to save and watch your money grow.Play Video
How Our Basic Savings Account Works
Your Basic Savings Account is the starting point to your membership at Grow, and you only need a $1 initial deposit to open the account. Ready to watch your savings grow? You can make deposits through direct deposit, online, by mail or in person at any of our store locations. You’ll earn dividends and be credited quarterly. You can also use your Basic Savings Account for overdraft protection1 on a Grow CashBack Checking Account or Checkless Checking Account if you want. Wondering about fees? We don’t like charging fees, so we make it easy to understand what fees may apply and how to avoid them. View the Fee Schedule.
Youth Savings Account
The Bugg Club is a fun and unique way to help little ones learn the value of money and the importance of saving.
Health Savings Account
An HSA from Grow allows you to save tax-deductible contributions for qualified health expenses.2
Money Market & Certificate Accounts
You get some of our best rates with our Money Market & Certificate Accounts so your money can really grow.
Individual Retirement Accounts
Your retirement is out there, and our retirement accounts can help you grab onto it.
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 $5 fee will be charged each time funds are transferred from your Basic Savings Account to your checking account.
2Determining eligibility for an HSA and the amounts contributed are strictly the responsibility of the member. 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.
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.
- 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 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 60675-5466
Address for personal first or second mortgages and home equity payments:
Grow Financial Federal Credit Union
P.O. Box 11733
Newark, NJ 07101-4733