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Here, Your Money Means More
We encounter a lot of financial jargon in our everyday lives: Net Worth. Account Balance. Return on Investment. What if these terms actually meant something more, something beyond the acronyms, spreadsheets and zeros in your account? Here at Grow Financial, we define money differently. Because when you put people first, money takes on a whole new meaning.
Come back each month for an interactive word search highlighting the deeper meaning behind common financial terms.
Return on Investment
Return on Investment (ROI) is a metric that determines how profitable an investment has been, where you compare every gain and loss to your initial investment. But at Grow, returns go far beyond a few numbers. They’re the moments you’re rewarded with, when you invest in what matters most.
Learn more about ROIs below and use our return on investment calculator to get a hands-on experience.
Explore Helpful Resources
Safe Investment: Certificate Ladder
A Certificate Account is a safe investment to earn a guaranteed return.1 You can start saving with as little as $500 and select terms from six months to five years.
Understanding Compound Interest: Making Time Work for You
Even if your retirement is still decades away, saving should be a priority. Why? When it comes to maximizing your dollar, time really is money. That’s why you need to understand compound interest.
Investment Calculator
This calculator shows how your money compounds over time—so you can see both your total investment and how much interest you’ll earn.2
Find the “More” Behind the Term
When you bank with Grow, Return on Investment isn’t just a financial term. It’s more. Search for the words that give it meaning beyond money. To play, click, tap or drag across letters to connect a word.
Search For:
- Gratitude
- Growth
- Reunion
- Impact
- Safety
- Pride
- Reward
You found it!
We hope you found value in learning something new.Net Worth
Net Worth can mean more than a total on a statement. It can be the people who support you, the relationships that lift you up and the moments that make life feel whole.
Figuring out how to calculate Net Worth can seem tricky at first, but we’re here to help. Net Worth is the total value of your assets minus the total value of your liabilities. Check out these resources for learning all about Net Worth.
Explore Helpful Resources
What is Net Worth?
A lot of people think that Net Worth is a fancy way of saying how much money someone has, but this isn’t necessarily true. Learn more about what Net Worth means and how to determine yours.
Top Three Reasons to Buy Your Home
Considering your first home? Discover three ways homeownership can become a long-term asset, helping you build equity and grow your Net Worth.
Savings Calculator
This savings calculator is designed to illustrate how your savings will grow using compound interest, which is the most common type of interest for savings accounts.
Find the “More” Behind the Term
When you bank with Grow, Net Worth isn’t just a financial term. It’s more. Search for the words that give it meaning beyond money. To play, click, tap or drag across letters to connect a word.
Search For:
- Family
- Friends
- Belonging
- Connection
- Together
- Roots
- Share
You found it!
We hope you found value in learning something new.Direct Deposit
A Direct Deposit is an electronic transfer of funds directly from the payer’s account to the recipient’s. Think paychecks, pensions, Social Security and more. But at Grow, a Direct Deposit isn’t just money moving from one account to another. It’s the way you give back to the communities you care about.
Learn more about Direct Deposit and money management below.
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Manage Direct Deposit
With our Manage Direct Deposit tool, it’s easier than ever to switch your direct deposit over to us. You can quickly set up and manage your accounts right from your mobile device.
Smart Financial Tips to Strengthen Your Money Management
When it comes to managing your finances, small habits can lead to big rewards. Check out these tips to help you build a stronger financial future.
Continue Expanding Financial Literacy
The importance of financial literacy keeps growing. From direct deposits to saving and managing debt, these essential topics matter more than ever.
Find the “More” Behind the Term
When you bank with Grow, Direct Deposit isn’t just a financial term. It’s more. Search for the words that give it meaning beyond money. To play, click, tap, or drag across letters to connect a word.
Search For:
- Community
- Time
- Neighbor
- Hands
- Service
- Support
- Heart
- Give
You found it!
We hope you found value in learning something new.Ready to Experience the Credit Union Difference?
As a local credit union, we focus on making things grow — people, communities, money and dreams.
Ready to experience what credit union memberships are all about?1A penalty will be imposed for early withdrawal.
2This calculator is intended for informational purposes only and is not a guarantee of investment earnings.
Lost or Stolen Card?
We’re here to help. If your card has been misplaced or stolen, we’ll act quickly to protect your account. You can report a missing card in the following ways:
Online and Mobile Banking
Log in and follow these three easy steps:
- From the menu, select Tools
- Select Card Manager
- Report your card as Lost or Stolen*
By phone or at a Grow store
Call 800.839.6328 to speak to a team member or let us know in person at any Grow store.Notice: Taking these steps will immediately cancel your card to prevent unauthorized transactions. If you find your card later after reporting it lost or stolen, it cannot be reactivated.
*The selected card will be canceled and removed from Manage Cards when it is reported as lost. Once your new card has been issued, it will be available in Manage Cards. The replacement card will have a new card number. Your replacement card will be sent to the mailing address on your account, and you should receive it within 7 to 10 business days.
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.

Where to Find Your Checking Account Number in Grow Online and Mobile Banking
If you don’t have a physical check on hand, you can also locate your Checking Account Number for Electronic Transactions in Grow Online and Mobile Banking.*
Here’s how to find it:
- In the Grow Mobile Banking app, select your checking account, then tap Show Details in the top right corner. Locate the account number that says, “For Electronic Transactions.”
- In Grow Online Banking, select your checking account, then click Account Details. Locate the account number that says, “For Electronic Transactions.”
Don’t have a Grow check or Online Banking? No worries.
Visit any Grow store or call us 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, consumer Mastercard® and Visa® debit cards with a convenience fee of $4.95, or commercial Mastercard® and Visa® debit cards with a convenience fee of 2.95% of the payment amount. 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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