The Grow Financial Federal Credit Union is a personal credit card from Grow Financial Federal Credit Union. Application typically pulls a hard report from Equifax. The annual fee is $0. The ongoing APR is After the introductory period expires, or if you do not qualify for an introductory rate, standard APR between 14.74% and 17.99% for purchases and balance transfers. This is a variable rate. (Rates are effective as of 10/15/2026) after a 1.99% to 8.99% APR on purchases and balance transfers introductory rate. Rewards: 1 point per $1 spent; redeem on merchandise, gift cards, fuel with points, travel credits.