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COLLECTION
Managing Debt
Many people find themselves in debt, and many people also find ways out of it. Don’t be discouraged, there are ways to manage your bills and come out on top.
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Calculator
Debt Payoff Calculator
Shows how long it will take to pay off a loan and how much interest will be paid.
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Calculator
Minimum Payment Calculator
See long-term cost impact if you pay only the minimum on loans / credit cards.
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Article
Refinancing Loans
Stuck making payments on a loan with unfavorable terms? Refinancing may help.
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Article
Reasons to Refinance
Refinancing can help you get out of debt quicker or pay less in interest if everything lines up.
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Coach
Navigating Debt Collections
Make a plan for what to do when you’re contacted by a debt collector.
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Article
Personal Bankruptcy
Understand the consequences of filing for personal bankruptcy.
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Article
How to Avoid Predatory Lending
Predatory lending defines any loan practice that’s unfair, deceptive or abusive to borrowers. Protect your financial future by learning how to recognize and avoid the dangers of predatory lending practices.
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Article
Preparing Your Finances to Leave the Military
Be prepared to leave the military by learning about the financial realities that accompany civilian life.
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Article
What is Net Worth?
Net worth is a subtraction of someone’s liabilities from their assets. And, understanding net worth, makes planning for your future gets a whole lot simpler.
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Coach
Repairing Credit
Learn how to repair your credit score when it's gone awry.
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Article
When You Can’t Afford Your Minimum Payments
If you’ve found yourself unable to make minimum payments, you have options to help improve your situation.
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Coach
Get Out of Debt
Receive guidance for getting out of debt based on your unique situation.
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Explore All The Ways We Can Help You Grow
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Calculator
Student Loan Payoff Calculator
Estimate how additional monthly payments affect student loan payoff speed and total interest.
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Article
Four Good Credit Habits to Improve Your Credit Score
Learn how to improve your credit score with these four essential habits. Boost your score and secure better interest rates.
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Article
Borrowing Basics: How Loans Work
Debt often carries a negative reputation, but borrowing can be a practical and even strategic part of managing your finances. The key is understanding how loans work so you can borrow with purpose, repay with confidence, and protect your credit health.
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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
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.