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Grow Financial Federal Credit Union

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Grow Financial Federal Credit Union Rates & Review November 2026

Q: What are the current interest rates at Grow Financial Federal Credit Union?

Current rates for Grow Financial Federal Credit Union include: 12-Month CD: 3.87%, 18-Month CD: 3.97%, 24-Month CD: 3.82%, 60-Month CD: 3.71%, Savings: 0.25%, MMA: 2.12%

Q: What CD terms does Grow Financial Federal Credit Union offer?

Grow Financial Federal Credit Union CD rates are 3.87% APY for a 12 month CD, 4.07% APY for a 17 month CD, 3.97% APY for an 18 month CD, 3.82% APY for a 2 year CD, 4.18% APY for a 29 month CD and 4.02% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Grow Financial Federal Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 29, 2026

Grow Financial Federal Credit Union's 24 - 29 Month CD Account rates are at 4.18%, CD Account - 24 - 29 month rates are at 4.18%, 12 - 17 Month CD Account rates are at 4.07%, CD Account - 12 - 17 month rates are at 4.07%, 60 Month CD Account rates are at 4.02%. Grow Financial Federal Credit Union's savings rates are at 0.25%. Grow Financial Federal Credit Union's money market rates are at 2.12%. Grow Financial Federal Credit Union's Personal Loan Rates are as low as 9.75%. Grow Financial Federal Credit Union's Credit Card Rates are at 10.49%. Grow Financial Federal Credit Union's CD rates are 35% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Grow Financial Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.70%. Rates last updated and verified on 10/29/2026.

Grow Financial Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Grow Financial Federal Credit Union? Share your experience about Grow Financial Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Grow Financial Federal Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.70%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Grow Financial Federal Credit Union
Headquarters

1242 E 5th Ave Fl 4
Tampa, FL 33605

https://www.growfinancial.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Grow Financial Federal Credit Union CD Rates

Product	Rate	APY	Term
24 - 29 Month Certificate Account	4.10%	4.18%	24 - 29 months
Min Balance $100,000 Details Balance: $100,000+ Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 4.18% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
24 - 29 Month IRA Certificate Account	4.10%	4.18%	24 - 29 months
Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 4.18% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
Certificate Account - 24 - 29 month	4.10%	4.18%	24-29 months
Min Balance $100,000 Details Balance: $100,000+ Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 4.18% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
12 - 17 Month Certificate Account	4.00%	4.07%	12 - 17 months
Min Balance $100,000 Details Balance: $100,000+ Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 4.07% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
12 - 17 Month IRA Certificate Account	4.00%	4.07%	12 - 17 months
Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 4.07% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
24 - 29 Month Certificate Account	4.00%	4.07%	24 - 29 months
Min Balance $500 Details Balance: $500 - $99,999.99 Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 4.07% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
24 - 29 Month IRA Certificate Account	4.00%	4.07%	24 - 29 months
Min Balance $500 Details Balance: $500 - $99,999.99 Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 4.07% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
Certificate Account - 12 - 17 month	4.00%	4.07%	12-17 months
Min Balance $100,000 Details Balance: $100,000+ Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 4.07% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
Certificate Account - 24 - 29 month	4.00%	4.07%	24-29 months
Min Balance $500 Details Balance: $500 - $99,999.99 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 4.07% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
60 Month Certificate Account	3.95%	4.02%	60 months
Min Balance $100,000 Details Balance: $100,000+ Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 4.02% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
60 Month IRA Certificate Account	3.95%	4.02%	60 months
Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 4.02% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
12 - 17 Month Certificate Account	3.90%	3.97%	12 - 17 months
Min Balance $500 Details Balance: $500 - $99,999.99 Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 3.97% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
12 - 17 Month IRA Certificate Account	3.90%	3.97%	12 - 17 months
Min Balance $500 Details Balance: $500 - $99,999.99 Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 3.97% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
6 - 11 Month Certificate Account	3.90%	3.97%	6 - 11 months
Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 3.97% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
6 - 11 Month IRA Certificate Account	3.90%	3.97%	6 - 11 months
Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 3.97% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
Certificate Account - 12 - 17 month	3.90%	3.97%	12-17 months
Min Balance $500 Details Balance: $500 - $99,999.99 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 3.97% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
Certificate Account - 6 - 11 month	3.90%	3.97%	6-11 months
Min Balance $100,000 Details Balance: $100,000+ Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 3.97% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
18 - 23 Month Certificate Account	3.85%	3.92%	18 - 23 months
Min Balance $100,000 Details Balance: $100,000+ Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 3.92% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
18 - 23 Month IRA Certificate Account	3.85%	3.92%	18 - 23 months
Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 3.92% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
60 Month Certificate Account	3.85%	3.92%	60 months
Min Balance $500 Details Balance: $500 - $99,999.99 Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 3.92% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
60 Month IRA Certificate Account	3.85%	3.92%	60 months
Min Balance $500 Details Balance: $500 - $99,999.99 Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 3.92% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
Certificate Account - 18 - 23 month	3.85%	3.92%	18-23 months
Min Balance $100,000 Details Balance: $100,000+ Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 3.92% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
6 - 11 Month Certificate Account	3.80%	3.87%	6 - 11 months
Min Balance $500 Details Balance: $500 - $99,999.99 Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 3.87% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
6 - 11 Month IRA Certificate Account	3.80%	3.87%	6 - 11 months
Min Balance $500 Details Balance: $500 - $99,999.99 Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 3.87% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
Certificate Account - 6 - 11 month	3.80%	3.87%	6-11 months
Min Balance $500 Details Balance: $500 - $99,999.99 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 3.87% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
18 - 23 Month Certificate Account	3.75%	3.82%	18 - 23 months
Min Balance $500 Details Balance: $500 - $99,999.99 Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 3.82% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
18 - 23 Month IRA Certificate Account	3.75%	3.82%	18 - 23 months
Min Balance $500 Details Balance: $500 - $99,999.99 Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 3.82% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
36 - 47 Month Certificate Account	3.75%	3.82%	36 - 47 months
Min Balance $100,000 Details Balance: $100,000+ Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 3.82% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
36 - 47 Month IRA Certificate Account	3.75%	3.82%	36 - 47 months
Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 3.82% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
48 - 59 Month Certificate Account	3.75%	3.82%	48 - 59 months
Min Balance $100,000 Details Balance: $100,000+ Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 3.82% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
48 - 59 Month IRA Certificate Account	3.75%	3.82%	48 - 59 months
Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 3.82% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
Certificate Account - 18 - 23 month	3.75%	3.82%	18-23 months
Min Balance $500 Details Balance: $500 - $99,999.99 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 3.82% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
Certificate Account - 36 - 47 month	3.75%	3.82%	36-47 months
Min Balance $100,000 Details Balance: $100,000+ Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 3.82% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
Certificate Account - 48 - 59 month	3.75%	3.82%	48-59 months
Min Balance $100,000 Details Balance: $100,000+ Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 3.82% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
30 - 35 Month Certificate Account	3.65%	3.71%	30 - 35 months
Min Balance $100,000 Details Balance: $100,000+ Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 3.71% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
30 - 35 Month IRA Certificate Account	3.65%	3.71%	30 - 35 months
Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 3.71% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
36 - 47 Month Certificate Account	3.65%	3.71%	36 - 47 months
Min Balance $500 Details Balance: $500 - $99,999.99 Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 3.71% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
36 - 47 Month IRA Certificate Account	3.65%	3.71%	36 - 47 months
Min Balance $500 Details Balance: $500 - $99,999.99 Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 3.71% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
48 - 59 Month Certificate Account	3.65%	3.71%	48 - 59 months
Min Balance $500 Details Balance: $500 - $99,999.99 Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 3.71% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
48 - 59 Month IRA Certificate Account	3.65%	3.71%	48 - 59 months
Min Balance $500 Details Balance: $500 - $99,999.99 Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 3.71% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
Certificate Account - 30 - 35 month	3.65%	3.71%	30-35 months
Min Balance $100,000 Details Balance: $100,000+ Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 3.71% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
Certificate Account - 36 - 47 month	3.65%	3.71%	36-47 months
Min Balance $500 Details Balance: $500 - $99,999.99 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 3.71% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
Certificate Account - 48 - 59 month	3.65%	3.71%	48-59 months
Min Balance $500 Details Balance: $500 - $99,999.99 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 3.71% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
30 - 35 Month Certificate Account	3.55%	3.61%	30 - 35 months
Min Balance $500 Details Balance: $500 - $99,999.99 Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 3.61% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
30 - 35 Month IRA Certificate Account	3.55%	3.61%	30 - 35 months
Min Balance $500 Details Balance: $500 - $99,999.99 Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 3.61% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
Certificate Account - 30 - 35 month	3.55%	3.61%	30-35 months
Min Balance $500 Details Balance: $500 - $99,999.99 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 3.61% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%

Grow Financial Federal Credit Union Savings Rates

Product	Rate	APY
IRA Savings Account	0.25%	0.25%
Min Deposit $0 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
Roth IRA Savings Account	0.25%	0.25%
Min Deposit $0 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
Basic Savings Account	0.15%	0.15%
Min Deposit $1 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
Club Account	0.15%	0.15%
Min Deposit $5 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
Health Savings Account	0.10%	0.10%
Min Deposit $0 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%

Grow Financial Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market Account	2.10%	2.12%
Min Balance $500,000 Details Balance: $500,000 and more Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.12% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
Money Market Account	1.90%	1.92%
Min Balance $250,000 Details Balance: $250,000 to $499,999.99 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.92% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
Money Market Account	1.70%	1.71%
Min Balance $100,000 Details Balance: $100,000 to $249,999.99 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.71% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
Money Market Account	1.55%	1.56%
Min Balance $50,000 Details Balance: $50,000 to $99,999.99 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.56% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
Money Market Account	1.35%	1.36%
Min Balance $25,000 Details Balance: $25,000 to $49,999.99 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.36% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
Money Market Account	1.10%	1.11%
Min Balance $0 Details Balance: Less than $25,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.11% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%

Grow Financial Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR
New cars, trucks and vans Loan	-	-	5.24%
Details As Low As; Rate Type: Fixed; Terms: Varies Last Updated 10/29/2026 Rate History 1 change since Sep 20, 2026 · 5.05% → 5.24% ▲ 0.19 pts · high 5.24% / low 5.05% Oct 23, 20265.24%▲ from 5.05% Sep 20, 20265.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
Vehicle Loans - New cars, trucks and vans	-	-	5.24%
Details As Low As; Rate Type: Fixed; Terms: Varies; Fixed rates for new vehicles range from 5.24% APR to 18.0% APR; rate determined by credit history, collateral, term and loan to value Last Updated 10/29/2026 Rate History 1 change since Oct 12, 2026 · 5.05% → 5.24% ▲ 0.19 pts · high 5.24% / low 5.05% Oct 23, 20265.24%▲ from 5.05% Oct 12, 20265.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
Used cars, trucks and vans Loan	-	-	5.74%
Details As Low As; Rate Type: Fixed; Terms: Varies Last Updated 10/29/2026 Rate History 1 change since Sep 20, 2026 · 5.45% → 5.74% ▲ 0.29 pts · high 5.74% / low 5.45% Oct 23, 20265.74%▲ from 5.45% Sep 20, 20265.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%

Grow Financial Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR
New RV Loan	-	5.00%
Details As Low As; Rate Type: Fixed; Terms: Varies Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 5.00% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
Used RV Loan	-	5.50%
Details As Low As; Rate Type: Fixed; Terms: Varies Last Updated 10/29/2026 Rate History No change since Sep 20, 2026 · 5.50% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
New watercraft Loan	-	7.50%
Details As Low As; Rate Type: Fixed; Terms: Varies Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.50% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
New BMW, Ducati, Harley Davidson & Triumph Motorcycles Loan	-	7.75%
Details As Low As; Rate Type: Fixed; Terms: Varies Last Updated 10/29/2026 Rate History No change since Sep 20, 2026 · 7.75% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
New motorcycles Loan	-	8.00%
Details As Low As; Rate Type: Fixed; Terms: Varies Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 8.00% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
Used BMW, Ducati, Harley Davidson & Triumph Motorcycles Loan	-	8.00%
Details As Low As; Rate Type: Fixed; Terms: Varies Last Updated 10/29/2026 Rate History No change since Sep 20, 2026 · 8.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
Used motorcycles Loan	-	8.25%
Details As Low As; Rate Type: Fixed; Terms: Varies Last Updated 10/29/2026 Rate History No change since Sep 20, 2026 · 8.25% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
Used watercraft Loan	-	8.25%
Details As Low As; Rate Type: Fixed; Terms: Varies Last Updated 10/29/2026 Rate History No change since Sep 20, 2026 · 8.25% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%

Grow Financial Federal Credit Union Credit Card Rates

Product	Rate	APR
Visa Preferred	-	10.49%
Details Intro/promo APR: 1.99%; As Low As; Intro rate expires: six billing cycles; Intro APR range: 1.99% to 4.99%; Regular APR: 10.49% - 17.99%; Rewards:; Annual Fee: $0 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 10.49% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
Visa Rewards	-	14.74%
Details Intro/promo APR: 1.99%; As Low As; Intro rate expires: six billing cycles; Intro APR range: 1.99% to 8.99%; Regular APR: 14.74% - 17.99%; Rewards: 1 point per $1 spent; Annual Fee: $0 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 14.74% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
Visa Cash Rewards	-	17.49%
Details As Low As; Regular APR: 17.49% - 17.99%; Rewards: 1 point per $1 spent; Annual Fee: $0 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 17.49% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%

Grow Financial Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Signature Loan	9.75%
Details Fixed rates range from 9.75% APR to 17.99% APR; rate determined by credit history Last Updated 10/29/2026 Rate History 1 change since Sep 20, 2026 · 10.50% → 9.75% ▼ 0.75 pts · high 10.50% / low 9.75% Oct 12, 20269.75%▼ from 10.50% Sep 20, 202610.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
Personal Loans - Signature	10.50%
Details As Low As; Rate Type: Fixed; Terms: Varies Last Updated 10/29/2026 Rate History No change since Oct 12, 2026 · 10.50% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%

Grow Financial Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Certificate Account - 60 months	3.85%	-	3.92%	60 months
Min Balance $500 Details Balance: $500 - $99,999.99 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 3.92% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
Certificate Account - 60 months	3.95%	-	4.02%	60 months
Min Balance $100,000 Details Balance: $100,000+ Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 4.02% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
Coverdell Education Savings Account	0.25%	-	0.25%
Min Deposit $0 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
Get Fit Account	0.35%	-	0.35%
Min Deposit $5 Details Maximum balance to open is $400; minimum deposit per month is $20; maximum deposit per month is $400; withdrawals permitted; bonus: $100 deposited when account reaches $10,000 within 90 days Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.35% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Grow Financial Federal Credit Union’s Texas Ratio stayed near 3.61% in Q3 2023 to 3.70% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$3.9B	3.70%	5.0	A+
March 31, 2026	$3.9B	2.28%	5.0	A+
December 31, 2025	$3.8B	3.02%	5.0	A+
September 30, 2025	$3.8B	2.91%	5.0	A+
June 30, 2025	$3.8B	2.88%	5.0	A+
March 31, 2025	$3.8B	3.01%	5.0	A+
December 31, 2024	$3.7B	3.82%	5.0	A+
September 30, 2024	$3.7B	3.04%	5.0	A+
June 30, 2024	$3.7B	2.22%	5.0	A+
March 31, 2024	$3.7B	2.14%	5.0	A+
December 31, 2023	$3.5B	3.48%	5.0	A+
September 30, 2023	$3.5B	3.61%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Grow Financial Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Grow Financial Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Grow Financial Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Grow Financial Federal Credit Union

Website https://www.growfinancial.org

Address 1242 E 5th Ave Fl 4, Tampa, FL 33605

Phone 813-837-2451

Fax 813-832-3619

President Richard Reeder

CEO Thomas Feindt

Full-Time Employees 595

Part-Time Employees 40

Branch Locations 26

ATM Locations 26

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

3.70%

Return on Assets (ROA)

0.3686%

Return on Equity (ROE)

3.2824%

Non-Performing Loans Ratio (NPL)

0.60%

Total Assets

3,916,121,689

Total Amount of Shares and Deposits

3,213,396,792

Total Shares and Deposits < 1 Year

2,898,904,006

Total Shares and Deposits 1 3 Years

213,114,173

Total Shares and Deposits > 3 Years

101,378,611

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

243,065,201

Total Uninsured Shares and Deposits > $250K (F+J)

243,065,201

Total Insured Shares and Deposits > $250K (item 17 less item K)

2,970,331,591

Total Interest Expense (Sum of items 6 8)

31,969,136

Share Certificates

23,793

Number of Accounts for Share Drafts

129,845

IRA KEOGH Accounts

11,648

Number of Accounts for Regular Shares

339,381

All other shares

846

Non Member Deposits

Money Market Shares

40,005

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

220,826,681

Total Liabilities

3,478,497,141

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Grow Financial Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Total Reviews

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Frequently Asked Questions About Grow Financial Federal Credit Union

Does Grow Financial Federal Credit Union offer CDs?

Yes. Grow Financial Federal Credit Union current CD rates include its 24 - 29 Month CD Account at 4.18% APY, its CD Account - 24 - 29 month at 4.18% APY and its 12 - 17 Month CD Account at 4.07% APY, verified by MonitorBankRates as of October 29, 2026.

Are CDs from Grow Financial Federal Credit Union NCUA insured?

Yes. Grow Financial Federal Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Grow Financial Federal Credit Union?

The highest Grow Financial Federal Credit Union CD rate is its 24 - 29 Month CD Account at 4.18% APY, verified by MonitorBankRates as of October 29, 2026.

What CD terms does Grow Financial Federal Credit Union offer?

Grow Financial Federal Credit Union CD rates are 3.87% APY for a 12 month CD, 4.07% APY for a 17 month CD, 3.97% APY for an 18 month CD, 3.82% APY for a 2 year CD, 4.18% APY for a 29 month CD and 4.02% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Grow Financial Federal Credit Union for its full lineup.

What is the highest savings rate at Grow Financial Federal Credit Union?

The highest Grow Financial Federal Credit Union savings rate is its IRA Savings Account at 0.25% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest money market rate at Grow Financial Federal Credit Union?

The highest Grow Financial Federal Credit Union money market rate is its Money Market Account at 2.12% APY, verified by MonitorBankRates as of October 29, 2026.

What is the lowest auto loan rate at Grow Financial Federal Credit Union?

The lowest Grow Financial Federal Credit Union auto loan rate is its New cars, trucks and vans Loan at 5.24% APR, verified by MonitorBankRates as of October 29, 2026.

What is the lowest personal loan rate at Grow Financial Federal Credit Union?

The lowest Grow Financial Federal Credit Union personal loan rate is its Signature Loan at 9.75% APR, verified by MonitorBankRates as of October 29, 2026.

What is the lowest credit card APR at Grow Financial Federal Credit Union?

The lowest Grow Financial Federal Credit Union credit card APR is its Visa Preferred Credit Card at 10.49% APR, verified by MonitorBankRates as of October 29, 2026.

How many branches does Grow Financial Federal Credit Union operate?

Grow Financial Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Grow Financial Federal Credit Union?

Yes, to access services at Grow Financial Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Grow Financial Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Grow Financial Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Grow Financial Federal Credit Union offer online and mobile banking?

Most modern institutions like Grow Financial Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.growfinancial.org.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Grow Financial Federal Credit Union rates compare?

Grow Financial Federal Credit Union's CD rates are 35% higher than the MonitorBankRates national average, and it has an A+ health rating. Grow Financial Federal Credit Union's top rates are its 24 - 29 Month CD Account at 4.18% APY, its IRA Savings Account at 0.25% APY, its Money Market Account at 2.12% APY, its Signature Loan at 9.75% APR and its Visa Preferred Credit Card at 10.49% APR, verified by MonitorBankRates on October 29, 2026.

Current Grow Financial Federal Credit Union Rates

12-Month CD3.87%
18-Month CD3.97%
24-Month CD3.82%
60-Month CD3.71%
Savings0.25%
MMA2.12%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Grow Financial Federal Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Grow Financial Federal Credit Union Texas Ratio

Grow Financial Federal Credit Union Health Trend

Grow Financial Federal Credit Union CD Rates

Grow Financial Federal Credit Union Savings Rates

Grow Financial Federal Credit Union Money Market Rates

Grow Financial Federal Credit Union Auto Loan Rates

Grow Financial Federal Credit Union RV, Boat and Powersport Loan Rates

Grow Financial Federal Credit Union Credit Card Rates

Grow Financial Federal Credit Union Personal Loan Rates

Grow Financial Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Grow Financial Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Grow Financial Federal Credit Union

Does Grow Financial Federal Credit Union offer CDs?

Are CDs from Grow Financial Federal Credit Union NCUA insured?

What is the highest CD rate at Grow Financial Federal Credit Union?

What CD terms does Grow Financial Federal Credit Union offer?

What is the highest savings rate at Grow Financial Federal Credit Union?

What is the highest money market rate at Grow Financial Federal Credit Union?

What is the lowest auto loan rate at Grow Financial Federal Credit Union?

What is the lowest personal loan rate at Grow Financial Federal Credit Union?

What is the lowest credit card APR at Grow Financial Federal Credit Union?

How many branches does Grow Financial Federal Credit Union operate?

Is a member application needed to join Grow Financial Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Grow Financial Federal Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Grow Financial Federal Credit Union rates compare?

Current Grow Financial Federal Credit Union Rates

Compare to Other Credit Unions