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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.
An Investment Portfolio is a collection of financial assets with one purpose: to build wealth over time. At Grow, we believe accumulating wealth means more than how much money you have. It’s lifelong friendships. The time you invest into the people, communities and causes you care about. It’s the bonds that can never be broken (and not just the ones you purchase).
Learn how to balance where you put your heart with where you place your money so you can invest even more into the things that matter most.
Explore Helpful Resources
Tips for How to Create a Balanced Investment Portfolio
It’s best to think of investing as a tool, rather than a lottery ticket. If used carefully, you can minimize risk and maximize your chances for slow but significant gains.
Stock Market Basics
The Stock Market is a great place for people to make extra income without having to work overtime to do it, but it does come with some risks. So, let’s just take it one step at a time.
Understanding 401(k) Investment Options
As you embark on retirement planning, it’s essential to understand the various investment options available in your 401(k) plan. This article will help you make informed decisions that align with your financial goals and risk tolerance.
Find the “More” Behind the Term
When you bank with Grow, Investment Portfolio 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:
- Purpose
- Goals
- Causes
- Future
- Value
- Promise
- Build
- Vision
You found it!
We hope you found value in learning something new.Interest Rate
An interest rate is really just the price of money — what you pay when you borrow and what you earn when you save. For many financial institutions, that number is set to do one job: return a profit to stockholders.
But interest means something else, too. It’s what you pay attention to, a measure of how much something matters to you and the growth that can follow.
We’re a credit union, so for us, those two definitions are the same. We don’t answer to outside investors. We answer to our members. That shapes how we think about every rate we set and who it’s meant to serve.
Explore Helpful Resources
Understanding Compound Interest
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.
Consolidating High-Interest Debt
If you’re stuck in a debt cycle, it can feel like you’re bailing out a sinking boat with a small bucket — paying just enough to get by but not seeing real progress. We can help you stop sinking and get on the path toward living debt-free.
Simple vs. Compound Interest Calculator
You want to earn as much interest as possible on your savings but not pay more than you have to when you borrow. One of the biggest factors in both is whether you’re accruing simple or compound interest.
Find the “More” Behind the Term
When you bank with Grow, Interest Rate 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:
- Care
- Attention
- Curious
- Listen
- Learn
- Passion
- Engage
- Notice
You found it!
We hope you found value in learning something new.Account Balance
Balance can be more than what’s sitting in your checking account. It can mean stability when navigating life’s biggest milestones.
At Grow, we know balance is found in the everyday moments that help life feel steady—like paying bills, planning what’s next, or having a little breathing room when you need it most. With accounts designed to support where you are today and where you’re growing next, Grow can help you manage your money with confidence through every season of life.
Explore Helpful Resources
Smart Financial Tips
When it comes to managing your finances, small habits can lead to big rewards. We asked our team members to share their best financial habits, and their advice covers everything from savings strategies to credit management and long-term planning. Check out these tips to help you build a stronger financial future.
Build Your Financial Confidence
No matter your financial footing, it’s possible to build financial confidence so you feel self-assured in managing your money and handling unexpected but inevitable challenges. Think of building financial confidence like building your muscles—small improvements over time can yield big results.
The Credit Union Difference
Have you ever wondered what the difference is between a credit union and a bank? Both financial institutions provide an array of financial services from everyday banking to loans, but the main difference between them is in the ownership. Banks have customers. Credit unions have members.
Find the “More” Behind the Term
When you bank with Grow, Account Balance 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:
- Peace
- Calm
- Rest
- Center
- Focus
- Harmony
- Ease
- Quiet
You found it!
We hope you found value in learning something new.Home Equity
Home Equity is the value you build in your home over time — the difference between the amount you owe on the house and what it’s worth. But at Grow, we know Home Equity isn’t just built with money. It’s built with family, with friends, with the day-to-day moments that couldn’t happen anywhere else. That’s why we’re dedicated to helping you find and finance a home that’s not just a place to live, but a place to grow.
Explore Helpful Resources
How to Tap into Your Home’s Equity with Confidence
With home values rising steadily over the past few years, many people now have significant equity built up in their homes. The first step in leveraging your equity is making sure you do it responsibly.
HELOC Basics: Making the Most of Your Home’s Equity
If you’re a homeowner, you might already know that you’re building equity in your home over time. What you may not know is you can use the equity in your home to finance other things. That’s where a Home Equity Line of Credit (HELOC) can come in handy.
HELOC Calculator
A HELOC is a line of credit that allows you to tap into your home’s equity and borrow against it. This calculator will help you estimate the limit you could be approved for.
Find the “More” Behind the Term
When you bank with Grow, Home Equity 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:
- Home
- Comfort
- Shelter
- Haven
- Welcome
- Light
- Nest
- Steady
You found it!
We hope you found value in learning something new.Shareholders
Being a Shareholder means owning a piece of a company. But at Grow, it’s about more than just owning a share in the credit union. It’s about sharing life’s moments with the people who matter most, so we make it easier to save, dream big and plan for the future.
Learn more about growing your financial wellness with helpful tools and resources.
Explore Helpful Resources
Understanding 401(k) Investment Options
As you embark on retirement planning, it’s essential to understand the various investment options available in your 401(k) plan. This article will help you make informed decisions that align with your financial goals and risk tolerance.
Credit Unions: Where You and Your Money Belong
Maybe you’ve seen our colorful billboards around town with the slogan, “We Serve People. Not Profit.” To us, it’s more than a slogan. It’s what we’re all about, and why credit unions are different from banks.
Share Certificate Calculator
A share certificate is a savings account where you can’t withdraw the money for a fixed amount of time. In exchange, you are offered a higher guaranteed interest rate than a normal savings account.
Find the “More” Behind the Term
When you bank with Grow, Shareholders 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:
- Gather
- Embrace
- Support
- Legacy
- Estate
- Home
- Generations
- Memories
You found it!
We hope you found value in learning something new.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.
Explore Helpful Resources
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 setting up direct deposit, making an electronic payment or transferring money between financial institutions, you’ll typically need two unique numbers:
- Grow’s routing number: 263182914
- Your account number for external transfers and direct deposit
For direct deposits, ACH payments, external account transfers, military allotments, tax refund direct deposit, wire transfers and other transactions outside of Grow, use the Account Number (For External Transfers and Direct Deposit).
When another company, employer or financial institution asks for your Account Number, this is the number they need. Be sure to include all the zeros at the beginning of your Account Number.
Where to find your Account Number
Locate your full account number in just a few steps using Grow Online or Mobile Banking.*
- Log in and select the correct account from your dashboard overview.
- Select Account Details above your transaction activity list.
- Locate the number labeled Account Number (For External Transfers and Direct Deposit).
You will also find Grow’s routing number and your Account Number on a check. as shown on the Grow check example below.
Understanding the difference between your Member Number and Account Number
When viewing your account details in Grow Online Banking or Mobile Banking, you’ll also see your Member Number (For Internal Transfers Only). This number is used within Grow and may include a suffix such as:
- -0001 for a Basic Savings account
- -0015 for a Checking account
These suffixes help us identify different account types within your membership.
You can use your Member Number for:
- Setting up internal transfers to another Grow member
- Resetting your online banking username or password
Remember, don’t use your Member Number (For Internal Transfers Only) when setting up transactions with another financial institution, or the transactions may not go through.
Need help?
If you don’t have checks or access to online banking, we’re happy to help. Contact us for assistance finding your 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
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.
- Personal
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.
An Investment Portfolio is a collection of financial assets with one purpose: to build wealth over time. At Grow, we believe accumulating wealth means more than how much money you have. It’s lifelong friendships. The time you invest into the people, communities and causes you care about. It’s the bonds that can never be broken (and not just the ones you purchase).
Learn how to balance where you put your heart with where you place your money so you can invest even more into the things that matter most.
Explore Helpful Resources
Tips for How to Create a Balanced Investment Portfolio
It’s best to think of investing as a tool, rather than a lottery ticket. If used carefully, you can minimize risk and maximize your chances for slow but significant gains.
Stock Market Basics
The Stock Market is a great place for people to make extra income without having to work overtime to do it, but it does come with some risks. So, let’s just take it one step at a time.
Understanding 401(k) Investment Options
As you embark on retirement planning, it’s essential to understand the various investment options available in your 401(k) plan. This article will help you make informed decisions that align with your financial goals and risk tolerance.
Find the “More” Behind the Term
When you bank with Grow, Investment Portfolio 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:
- Purpose
- Goals
- Causes
- Future
- Value
- Promise
- Build
- Vision
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.