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Making Life Less Scary
Watch VideoFace Your Financial Fears
Plenty of things in life are scary, like running into your ex, trying to find parking downtown, getting the wrong milk in your coffee, receiving a call from an unknown number — the list goes on. But at Grow Financial, we like to think your finances don’t have to frighten you. In fact, we’re here to help make all of life’s financial monsters a little less scary, whether you’re applying for a mortgage, financing your first car or taking another big step in life.
Face Your Credit Card Fears
Your favorite TV show might get canceled? That’s nerve-wracking. Using a credit card doesn’t have to be.
Let’s dispel some common credit card fears together.Will opening a credit card hurt my credit score?
Opening a credit card triggers a hard inquiry, which can lower your score a few points. But when used responsibly, your credit card can help you quickly earn points and boost your score. We even designed the Grow Visa® Preferred Secured Credit Card for our members who want to improve their credit.
How do I choose the right credit card?
We know the options can seem overwhelming, but Grow helps you choose the right card for your lifestyle. If you want to earn cash back, then our Grow Visa Cash Rewards Credit Card might be the one for you. If rewards like gift cards or travel perks are more your style, then you might want to consider our Grow Visa Rewards Credit Card.
Can I avoid paying interest?
If you want to avoid paying interest on your credit card, all you have to do is pay your balance in full every month. If this feels daunting, our Grow team members are here to lend a hand in helping you maintain healthy credit habits.
Opening a credit card triggers a hard inquiry, which can lower your score a few points. But when used responsibly, your credit card can help you quickly earn points and boost your score. We even designed the Grow Visa® Preferred Secured Credit Card for our members who want to improve their credit.
View Credit Card OptionsWe know the options can seem overwhelming, but Grow helps you choose the right card for your lifestyle. If you want to earn cash back, then our Grow Visa Cash Rewards Credit Card might be the one for you. If rewards like gift cards or travel perks are more your style, then you might want to consider our Grow Visa Rewards Credit Card.
View Credit Card OptionsIf you want to avoid paying interest on your credit card, all you have to do is pay your balance in full every month. If this feels daunting, our Grow team members are here to lend a hand in helping you maintain healthy credit habits.
View More Credit EducationFace Your Money Market Fears
Signing up for a 5 am workout class can feel pretty scary, but maximizing your savings with a Money Market Account doesn’t have to be.
Let’s dispel some common money market fears together.Will the stock market affect my savings?
Money Market Accounts aren’t influenced by the stock market, so your funds won’t be affected by it. In fact, your combined accounts are insured for up to $250,000, making it a safer option for saving your money.
Do I need a minimum balance to open the account?
Nope! All you need is to open a Basic Savings Account with Grow with just a $1 initial deposit, and then you have access to our many different accounts and financial resources.
Will I have access to my funds?
You sure will. When saving with a Money Market Account, you’ll have instant access to your money whenever you’re ready to use it.
Money Market Accounts aren’t influenced by the stock market, so your funds won’t be affected by it. In fact, your combined accounts are insured for up to $250,000, making it a safer option for saving your money.
Start SavingNope! All you need is to open a Basic Savings Account with Grow with just a $1 initial deposit, and then you have access to our many different accounts and financial resources.
Open a Basic Savings AccountYou sure will. When saving with a Money Market Account, you’ll have instant access to your money whenever you’re ready to use it.
See Money Market Account BenefitsFace Your Mortgage Fears
Buying a home can be scary, but before you know it, managing your mortgage can seem less stressful than trying to keep a plant alive.
Let’s dispel some common mortgage fears together.I don’t even know where to start.
The good news is that you don’t have to. Our team of professional Real Estate Loan Officers are ready to help you simplify the mortgage process, from choosing the right type of mortgage for you to understanding the application and approval process.
Can I afford to buy a home?
We’ll help you find the right type of mortgage that fits both your budget and lifestyle. Grow offers a variety of options, including fixed-rate and adjustable-rate options, jumbo loans, professional loans and mortgages with down payment assistance.
Do I really need a 20% down payment?
Not always. While 20% is the most common down payment percentage, Grow can help you choose the right home loan and payment plan for your budget. For example, a Federal Housing Administration (FHA) loan would require as little as a 3.5% down payment.
The good news is that you don’t have to. Our team of professional Real Estate Loan Officers are ready to help you simplify the mortgage process, from choosing the right type of mortgage for you to understanding the application and approval process.
Get Help With MortgagesWe’ll help you find the right type of mortgage that fits both your budget and lifestyle. Grow offers a variety of options, including fixed-rate and adjustable-rate options, jumbo loans, professional loans and mortgages with down payment assistance.
See Mortgage OptionsNot always. While 20% is the most common down payment percentage, Grow can help you choose the right home loan and payment plan for your budget. For example, a Federal Housing Administration (FHA) loan would require as little as a 3.5% down payment.
View Loan OptionsFace Your Savings Fears
Achieving your savings goals doesn’t have to feel as overwhelming as driving through rush hour traffic.
Let’s dispel some common savings fears together.Will I be charged fees?
We know rates and fees can feel overwhelming, so we do our best to make them easy to understand and avoid, whenever possible. We even offer Checkless Checking, a no-cost way to keep track of your spending.
Can I access my money when I need it?
Of course! We offer a variety of savings account options based on what you’re looking for, whether you’re stashing money for a rainy day or looking for maximum growth.
How much should I be saving?
While individual savings goals can vary, our Grow team can help you create a plan that best fits your needs. And with high dividends on savings accounts and cash back credit card options, we make it easy to save as you spend.
We know rates and fees can feel overwhelming, so we do our best to make them easy to understand and avoid, whenever possible. We even offer Checkless Checking, a no-cost way to keep track of your spending.
View Rates & FeesOf course! We offer a variety of savings account options based on what you’re looking for, whether you’re stashing money for a rainy day or looking for maximum growth.
See Savings Account OptionsWhile individual savings goals can vary, our Grow team can help you create a plan that best fits your needs. And with high dividends on savings accounts and cash back credit card options, we make it easy to save as you spend.
See Our Finance EducationCome Get to Know Our Monsters
Ready to face your financial fears? Get started with meeting our not-so-scary monsters. They’ll be all around Tampa Bay helping you overcome your financial anxieties (and just have a good time, too).
Meet Our MonstersMeet Our Monsters
Come see for yourselves that the monsters aren’t so scary. Our monsters will be hanging out at community events around Tampa Bay, so be sure to stop by and say hi!
No Tricks, Just Treats!
Date: October 19, 2024
Time: 10 am to 12 pm
Location: Center Court, International PlazaEvent Details:
Join us and our monsters for a fun day at the mall. We’ll be hosting a pumpkin painting contest (with prizes, of course) and handing out treats all afternoon. Come dressed in your best monster costumes!Riverwalk Trick or Treat
Date: October 26, 2024
Time: 4 pm to 7 pm
Location: Tampa RiverwalkEvent Details:
Stop by and say hi to our monsters as you trick or treat along Riverwalk. We’ll be hanging out at Water Works Park and sponsoring the costume contest, so don’t forget to dress to impress.Halloween On Central
Date: October 27, 2024
Time: 12 pm to 5 pm
Location: MLK to 31st Street along Central AvenueEvent Details:
Come trick or treat with us on Central! Our not-so-scary monsters will be hanging out and handing out goodies throughout the day in sunny St. Pete.Not So Scared Anymore?
Get in Touch.If you’re ready to face your financial fears, then we’re ready to help you conquer them all! Locate an ATM or Grow store near you, or give us a call to get started.
Find A LocationCall UsHow 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
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