Rates & Fees

Our Low Credit Union Interest Rates Help You Earn More & Pay Less

That’s another way we put people before profit. Whether it’s through higher dividend rates on savings or lower interest rates on car loans and mortgages, you’re the one who benefits.

We don’t want to charge fees either, so we make it easy for you to understand what fees you may be charged and how to avoid them. It’s what makes us one of the best credit unions in Florida. View the Fee Schedule.

Quality Service at Any Rate

Whether you’re getting a loan for a new car or putting away money in your savings account, our Grow team is dedicated to giving you the care you deserve every step of the way.

Earn Cash Back On Your Checking

With us, you’ll even earn money on your checking account and have the convenience of a Grow Visa^® debit card.

Personal Checking Accounts	Overview	Minimum Deposit	Dividend Rate	Annual Percentage Yield (APY)
Grow Cashback Checking¹	Our checking pays you! You’ll earn an extra 5 cents for every qualifying swipe of your Grow Visa® debit card.	$0.00	0.00%	0.00%¹
Grow Checkless Checking²	Checking without checks? We have the technology! Checkless Checking offers a simple, basic way to keep track of your spending, without checks or nonsufficient funds fees.	$0.00	-	-

Overview	Our checking pays you! You’ll earn an extra 5 cents for every qualifying swipe of your Grow Visa® debit card.
Minimum Deposit	$0.00
Dividend Rate	0.00%
Annual Percentage Yield (APY)	0.00%¹

Overview	Checking without checks? We have the technology! Checkless Checking offers a simple, basic way to keep track of your spending, without checks or nonsufficient funds fees.
Minimum Deposit	$0.00
Dividend Rate	-
Annual Percentage Yield (APY)	-

Ready to Apply?

Open a Grow Checking Account

Accounts are subject to approval.

¹Annual Percentage Yield. Grow CashBack Checking is a variable rate account. The APY may change without notice after the account is opened. You will earn a cashback bonus of $0.05 per qualifying Grow Visa debit card transaction. Qualified debit card transactions include signature or PIN-based point-of-sale purchases, bill payments made with your Grow Visa debit card, and online purchases. Excludes ATM withdrawals, deposits and transfers. We will deposit your cashback bonus earnings on the last day of the month. Fees could reduce earnings on the account. The APY is accurate as of 11/23/2024 and may change without notice.

²You cannot use paper checks on this account. Any check written will be returned unpaid, even if you have sufficient money in your account.

Grow Visa Debit Card Point-of-Sale Transaction Limitation
Based on your account relationship the daily limit for purchases ranges from $3,000 to $7,500. This applies to all types of checking accounts.

Get the Credit Card Rates You Deserve

The less you pay in interest on your credit cards, the better you can manage your money. Our low rates on Grow Visa^® credit cards can help.

Credit Cards	Visa Rewards	Visa Cash Rewards	Visa Preferred	Visa Preferred Secured
Intro Offer	Introductory rate as low as 1.99% to 8.99% APR. The introductory rate is effective for the first six billing cycles for purchases and balance transfers.	None	Introductory rate as low as 1.99% to 4.99% APR. The introductory rate is effective for the first six billing cycles for purchases and balance transfers.	Introductory rate as low as 1.99% to 4.99% APR. The introductory rate is effective for the first six billing cycles for purchases and balance transfers.
Annual Percentage Rate (APR)	After the introductory period expires, or if you do not qualify for an introductory rate, your standard APR will range from 15.99% to 17.99%* for purchases and balance transfers. This is a variable rate.	APR as low as 17.99%* for purchases and balance transfers.	After the introductory period expires, or if you do not qualify for an introductory rate, your standard APR will range from 11.74% to 17.99%* for purchases and balance transfers. This is a variable rate.	After the introductory period expires, or if you do not qualify for an introductory rate, your standard APR will range from 11.74% to 17.99%* for purchases and balance transfers. This is a variable rate.
Rewards	1 point per $1 spent	1 point per $1 spent	None	None
Annual Fee	$0	$0	$0	$0

Visa Rewards	Introductory rate as low as 1.99% to 8.99% APR. The introductory rate is effective for the first six billing cycles for purchases and balance transfers.
Visa Cash Rewards	None
Visa Preferred	Introductory rate as low as 1.99% to 4.99% APR. The introductory rate is effective for the first six billing cycles for purchases and balance transfers.
Visa Preferred Secured	Introductory rate as low as 1.99% to 4.99% APR. The introductory rate is effective for the first six billing cycles for purchases and balance transfers.

Visa Rewards	After the introductory period expires, or if you do not qualify for an introductory rate, your standard APR will range from 15.99% to 17.99%* for purchases and balance transfers. This is a variable rate.
Visa Cash Rewards	APR as low as 17.99%* for purchases and balance transfers.
Visa Preferred	After the introductory period expires, or if you do not qualify for an introductory rate, your standard APR will range from 11.74% to 17.99%* for purchases and balance transfers. This is a variable rate.
Visa Preferred Secured	After the introductory period expires, or if you do not qualify for an introductory rate, your standard APR will range from 11.74% to 17.99%* for purchases and balance transfers. This is a variable rate.

Visa Rewards	1 point per $1 spent
Visa Cash Rewards	1 point per $1 spent
Visa Preferred	None
Visa Preferred Secured	None

Visa Rewards	$0
Visa Cash Rewards	$0
Visa Preferred	$0
Visa Preferred Secured	$0

Ready to Apply?

Apply For a Grow Credit Card

^*Annual Percentage Rate (APR). Rates are variable and will vary with the market based on Prime Rate as published in the Wall Street Journal “Money Rates” table on the last day of each calendar month. If the minimum monthly payment is 60 days late twice in a 12-month period, the rate will revert to a default rate of 18.00% for six (6) billing cycles. Other APRs: Cash Advances 18.00%, Overdraft to Share Account 18.00%. A finance charge of 1.00% will be charged on foreign transactions. The rate you receive will be based on your creditworthiness. Rates are effective as of 11/23/2024 and could change without notice.

Loan Rates You’ll Adore

When you’re looking for a loan, you want a low rate and we deliver.

Vehicle Loans	Rate Type	Terms	APR
New cars, trucks and vans	Fixed	Varies	As low as 5.14%¹
Used cars, trucks and vans	Fixed	Varies	As low as 5.40%²
New watercraft	Fixed	Varies	As low as 7.50%³
Used watercraft	Fixed	Varies	As low as 8.25%³
New RV	Fixed	Varies	As low as 5.00%⁴
Used RV	Fixed	Varies	As low as 5.50%⁴
New motorcycles	Fixed	Varies	As low as 8.00%⁵
Used motorcycles	Fixed	Varies	As low as 8.25%⁵
New BMW, Ducati, Harley Davidson & Triumph Motorcycles	Fixed	Varies	As low as 7.75%⁶
Used BMW, Ducati, Harley Davidson & Triumph Motorcycles	Fixed	Varies	As low as 8.00%⁶

Rate Type	Fixed
Terms	Varies
APR	As low as 5.14%¹

Ready to Apply?

Apply For a Vehicle Loan

Annual Percentage Rate (APR). The loan rates quoted are effective 11/23/2024 and are subject to change. Subject to credit approval.

¹Fixed rates for new vehicles range from 5.24% APR to 18.0% APR. The rate you receive is determined by your credit history, collateral, term and loan to value.

²Fixed rates for used vehicles range from 6.00% APR to 18.0% APR. The rate you receive is determined by your credit history, collateral, term and loan to value.

³Fixed rates for watercraft range from 7.5% APR to 9.75% APR. The rate you receive is determined by your credit history, year of the watercraft, and term of the loan.

⁴Fixed rates for RVs range from 5.0% APR to 8.5% APR. The rate you receive is determined by your credit history, year of the RV, class, and term of the loan.

⁵Fixed rates for motorcycles range from 8.0% APR to 10.0% APR. The rate you receive is determined by your credit history, year of the motorcycle, and term of the loan.

⁶Fixed rates for premier motorcycles range from 7.75% APR to 10.50% APR. The rate you receive is determined by your credit history, year of the motorcycle, and term of the loan.

Personal Loans	Rate Type	Terms	APR
Signature	Fixed	Varies	As Low As 9.50%¹
Certificate Secured	Fixed	Varies	Certificate Rate +3.00%²
Share Secured	Variable	Varies	Rate +3.00%³

Rate Type	Fixed
Terms	Varies
APR	As Low As 9.50%¹

Rate Type	Variable
Terms	Varies
APR	Rate +3.00%³

Ready to Apply?

Get a Personal Loan

¹Fixed rates for signature loans range from 9.50% APR to 17.99% APR. The rate you receive is determined by your credit history.

²Fixed certificate secured loans. The APR is calculated at 3.00% above the dividend rate paid on the Certificate Account.

³Share secured loan rates are variable and subject to change without notice. Payment will not change if rate increases or decreases, instead, approximate term of loan will adjust. The APR is calculated at 3.00% above the dividend rate paid on the Basic Savings Account or Club Account.

We’ll Help Your Savings Pile Up

You expect to earn a dividend on your savings, but we think these rates will be a pleasant surprise.

Savings Accounts	Minimum Deposit	Dividend Rate	Annual Percentage Yield (APY)
Basic Savings Account	$1.00	0.15%	0.15%¹
Club Account	$5.00	0.15%	0.15%¹
IRA Savings Account	$0.00	0.25%	0.25%¹
Roth IRA Savings Account	$0.00	0.25%	0.25%¹
Coverdell Education Savings Account	$0.00	0.25%	0.25%¹
Health Savings Account	$0.00	0.10%	0.10%¹
Get Fit Account	$5.00	0.35%	0.35%²

Minimum Deposit	$1.00
Dividend Rate	0.15%
Annual Percentage Yield (APY)	0.15%¹

Minimum Deposit	$5.00
Dividend Rate	0.15%
Annual Percentage Yield (APY)	0.15%¹

Minimum Deposit	$0.00
Dividend Rate	0.25%
Annual Percentage Yield (APY)	0.25%¹

Minimum Deposit	$0.00
Dividend Rate	0.25%
Annual Percentage Yield (APY)	0.25%¹

Minimum Deposit	$0.00
Dividend Rate	0.25%
Annual Percentage Yield (APY)	0.25%¹

Minimum Deposit	$0.00
Dividend Rate	0.10%
Annual Percentage Yield (APY)	0.10%¹

Minimum Deposit	$5.00
Dividend Rate	0.35%
Annual Percentage Yield (APY)	0.35%²

Ready to Apply?

Open A Basic Savings Account

Accounts are subject to approval.

¹The APYs are accurate as of 11/23/2024 and may change without notice after the account is opened. Variable Rate. Fees could reduce earnings.

²The APYs are accurate as of 11/23/2024 and may change without notice after the account is opened. Variable Rate. Fees could reduce earnings. Minimum balance to open is $5. Maximum balance to open is $400. Minimum deposit per month is $20. Maximum deposit per month is $400, withdrawals are permitted. Bonus: When the account reaches $10,000, we will deposit $100 to that account within 90 days and your funds will be transferred to your Basic Savings Account. If more than $400 per month is deposited, the excess will be automatically transferred to your Basic Savings Account. If excess deposits have to be transferred 3 times to the Basic Savings Account, during a 12-month period, the balance of the account will be transferred to the Basic Savings Account. If you fail to deposit $20 per month for 3 months during a 12 month period, the funds in the account will be transferred to the Basic Savings Account. Fees could reduce earnings.

Fees: Please refer to our separate Fee Schedule.

Money Market Account	Dividend Rate	Annual Percentage Yield (APY)
Balance less than $25,000	1.10%	1.11%¹
Balance of $25,000 to $49,999.99	1.45%	1.46%¹
Balance of $50,000 to $99,999.99	1.65%	1.66%¹
Balance of $100,000 to $249,999.99	1.85%	1.86%¹
Balance of $250,000 to $499,999.99	2.05%	2.07%¹
Balance of $500,000 and more	2.25%	2.27%¹

Dividend Rate	1.10%
Annual Percentage Yield (APY)	1.11%¹

Dividend Rate	1.45%
Annual Percentage Yield (APY)	1.46%¹

Dividend Rate	1.65%
Annual Percentage Yield (APY)	1.66%¹

Dividend Rate	1.85%
Annual Percentage Yield (APY)	1.86%¹

Dividend Rate	2.05%
Annual Percentage Yield (APY)	2.07%¹

Dividend Rate	2.25%
Annual Percentage Yield (APY)	2.27%¹

Ready to Apply?

Open a Money Market Account

¹The APYs are accurate as of 11/23/2024 and may change without notice after the account is opened. This is a tiered account. Variable Rate Account. Fees could reduce earnings.

Fees: Please refer to our separate Fee Schedule.

Setting You Up For Success

See how much you can save over your desired period of time.

Certificate Account	Dividend Rate $500 - $99,999.99	Annual Percentage Yield (APY) $500 - $99,999.99	Dividend Rate $100,000+	Annual Percentage Yield (APY) $100,000+
6 - 11 months	4.50%	4.59%¹	4.60%	4.70%¹
12 - 17 months	4.40%	4.49%¹	4.50%	4.59%¹
18 - 23 months	4.00%	4.07%¹	4.10%	4.18%¹
24 - 29 months	4.00%	4.07%¹	4.10%	4.18%¹
30 - 35 months	3.45%	3.51%¹	3.55%	3.61%¹
36 - 47 months	3.55%	3.61%¹	3.65%	3.71%¹
48 - 59 months	3.55%	3.61%¹	3.65%	3.71%¹
60 months	3.55%	3.61%¹	3.65%	3.71%¹

Dividend Rate $500 - $99,999.99	4.50%
Annual Percentage Yield (APY) $500 - $99,999.99	4.59%¹
Dividend Rate $100,000+	4.60%
Annual Percentage Yield (APY) $100,000+	4.70%¹

Dividend Rate $500 - $99,999.99	4.40%
Annual Percentage Yield (APY) $500 - $99,999.99	4.49%¹
Dividend Rate $100,000+	4.50%
Annual Percentage Yield (APY) $100,000+	4.59%¹

Dividend Rate $500 - $99,999.99	4.00%
Annual Percentage Yield (APY) $500 - $99,999.99	4.07%¹
Dividend Rate $100,000+	4.10%
Annual Percentage Yield (APY) $100,000+	4.18%¹

Dividend Rate $500 - $99,999.99	4.00%
Annual Percentage Yield (APY) $500 - $99,999.99	4.07%¹
Dividend Rate $100,000+	4.10%
Annual Percentage Yield (APY) $100,000+	4.18%¹

Dividend Rate $500 - $99,999.99	3.45%
Annual Percentage Yield (APY) $500 - $99,999.99	3.51%¹
Dividend Rate $100,000+	3.55%
Annual Percentage Yield (APY) $100,000+	3.61%¹

Dividend Rate $500 - $99,999.99	3.55%
Annual Percentage Yield (APY) $500 - $99,999.99	3.61%¹
Dividend Rate $100,000+	3.65%
Annual Percentage Yield (APY) $100,000+	3.71%¹

Dividend Rate $500 - $99,999.99	3.55%
Annual Percentage Yield (APY) $500 - $99,999.99	3.61%¹
Dividend Rate $100,000+	3.65%
Annual Percentage Yield (APY) $100,000+	3.71%¹

Dividend Rate $500 - $99,999.99	3.55%
Annual Percentage Yield (APY) $500 - $99,999.99	3.61%¹
Dividend Rate $100,000+	3.65%
Annual Percentage Yield (APY) $100,000+	3.71%¹

Ready to Apply?

Open A Certificate Account

¹The APYs are accurate as of 11/23/2024 and may change without notice. Fees could reduce earnings on the account. A penalty will be imposed for early withdrawals. If the account is opened with $100,000 or more, you must maintain a daily balance of $100,000 in your account each day to obtain the disclosed APY. If the account is opened with less than $100,000, you must maintain a minimum daily balance of $500.00 in your account each day to obtain the disclosed APY. If your account falls below the minimum balance requirements, your account will be closed. Certain restrictions apply on IRAs. Not all taxpayers are eligible. Consult your tax advisor. View additional Certificate Account disclosures.

Fees: Please refer to our separate Fee Schedule.

IRA Certificate Account	Dividend Rate $500 - $99,999.99	Annual Percentage Yield (APY) $500 - $99,999.99	Dividend Rate $100,000+	Annual Percentage Yield (APY) $100,000+
6 - 11 months	4.50%	4.59%¹	4.60%	4.70%¹
12 - 17 months	4.40%	4.49%¹	4.50%	4.59%¹
18 - 23 months	4.00%	4.07%¹	4.10%	4.18%¹
24 - 29 months	4.00%	4.07%¹	4.10%	4.18%¹
30 - 35 months	3.45%	3.51%¹	3.55%	3.61%¹
36 - 47 months	3.55%	3.61%¹	3.65%	3.71%¹
48 - 59 months	3.55%	3.61%¹	3.65%	3.71%¹
60 months	3.55%	3.61%¹	3.65%	3.71%¹

Dividend Rate $500 - $99,999.99	4.50%
Annual Percentage Yield (APY) $500 - $99,999.99	4.59%¹
Dividend Rate $100,000+	4.60%
Annual Percentage Yield (APY) $100,000+	4.70%¹

Dividend Rate $500 - $99,999.99	4.40%
Annual Percentage Yield (APY) $500 - $99,999.99	4.49%¹
Dividend Rate $100,000+	4.50%
Annual Percentage Yield (APY) $100,000+	4.59%¹

Ready to Apply?

Open A IRA Certificate Account

¹The APYs are accurate as of 11/23/2024 and may change without notice. Fees could reduce earnings on the account. A penalty will be imposed for early withdrawals. If the account is opened with $100,000 or more, you must maintain a daily balance of $100,000 in your account each day to obtain the disclosed APY. If the account is opened with less than $100,000, you must maintain a minimum daily balance of $500.00 in your account each day to obtain the disclosed APY. If your account falls below the minimum balance requirements, your account will be closed. Certain restrictions apply on IRAs. Not all taxpayers are eligible. Consult your tax advisor. View additional Certificate Account disclosures.

Fees: Please refer to our separate Fee Schedule.

Home Loans That Will Keep Your Home Happy

A home loan can often be the biggest debt you have. Our rates can make it easier to manage.

View Mortgage Rates

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 does this mean 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.