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Rates
& FeesHome › Membership › 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 AccountAccounts 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 11/21/2024 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 11/21/2024 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 Rate Type Fixed Terms Varies APR As low as 5.40%2 Rate Type Fixed Terms Varies APR As low as 7.50%3 Rate Type Fixed Terms Varies APR As low as 8.25%3 Rate Type Fixed Terms Varies APR As low as 5.00%4 Rate Type Fixed Terms Varies APR As low as 5.50%4 Rate Type Fixed Terms Varies APR As low as 8.00%5 Rate Type Fixed Terms Varies APR As low as 8.25%5 Rate Type Fixed Terms Varies APR As low as 7.75%6 Rate Type Fixed Terms Varies APR As low as 8.00%6 Ready to Apply?
Apply For a Vehicle LoanAnnual Percentage Rate (APR). The loan rates quoted are effective 11/21/2024 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 Fixed Terms Varies APR Certificate Rate +3.00%2 Rate Type Variable Terms Varies APR Rate +3.00%3 Ready to Apply?
Get a Personal Loan1Fixed 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 AccountAccounts are subject to approval.
1The APYs are accurate as of 11/21/2024 and may change without notice after the account is opened. Variable Rate. Fees could reduce earnings.
2The APYs are accurate as of 11/21/2024 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 Account1The APYs are accurate as of 11/21/2024 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 Account1The APYs are accurate as of 11/21/2024 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 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 IRA Certificate Account1The APYs are accurate as of 11/21/2024 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.
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.
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.
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
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.
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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.
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.
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 Ready to Apply?
Open a Money Market Account1The APYs are accurate as of 11/21/2024 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.
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.
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.