Credit union · NCUA insured
Grow Financial
Top CarrotA $3.9B credit union, the 129th largest of 4,329, headquartered in Tampa, FL, with 297,778 members and 26 branches in 2 states. Best rates: CDs 4.18% and savings 1.11% APY.
Grow Financial Carrot Score
Carrot ScoreTop Carrot
Higher than 77% of U.S. banks and credit unions
#14 of 54 in Tampa, FL metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Grow Financial
Founded in 1955 as MacDill Air Force Base Federal Credit Union in Tampa, Florida, the credit union was created by civilian employees to serve military personnel and their families.
Now member-owned and operating as Grow Financial Federal Credit Union headquartered in Tampa, Florida, it has store locations across West Central Florida and in Columbia and Charleston, South Carolina.
- Headquarters
- 1242 E 5th Ave Fl 4, Tampa, FL 33605
- NCUA charter
- 9976
Branches
26 branches in 2 states
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Florida
22 branches
Tampa area · 20
- Bloomingdale Branch604 E Bloomingdale Ave, Brandon, FL 33511Directions
- Brandon Branch1009 Providence Rd, Brandon, FL 33511Directions
- Clearwater Branch2474 State Road 580, Clearwater, FL 33761Directions
- Gulf to Bay Branch2768 Gulf to Bay Blvd, Clearwater, FL 33759Directions
- Largo Branch10801 Starkey Rd Ste 103, Largo, FL 33777Directions
- Lutz Branch17679 N Dale Mabry Hwy, Lutz, FL 33548Directions
- Pasco Branch6121 State Road 54, New Port Richey, FL 34653Directions
- Pinellas Park Branch6900 Park Blvd N, Pinellas Park, FL 33781Directions
- Mariner Commons Branch4122 Mariner Blvd, Spring Hill, FL 34609Directions
- St. Petersburg Branch7301 Dr Martin Luther King Jr St N, St. Petersburg, FL 33702Directions
- Carrollwood Branch13305 N Dale Mabry Hwy, Tampa, FL 33618Directions
- Downtown Park Towers Branch404 n Tampa st, Tampa, FL 33602Directions
- Gandy Branch4502 W Gandy Blvd, Tampa, FL 33611Directions
- Hyde Park315 S Boulevard, Tampa, FL 33606Directions
- Main Base Branch2418 Florida Keys Ave, Building 102, Tampa, FL 33621Directions
- New Tampa Branch17315 Dona Michelle Dr, Tampa, FL 33647Directions
- Sheldon Road Branch8314 Sheldon Rd, Tampa, FL 33615Directions
- West River Office1701 N Oregon Ave, Tampa, FL 33607Directions
- Busch Boulevard Branch5250 E Busch Blvd, Temple Terrace, FL 33617Directions
- Wesley Chapel2579 Bruce B Downs Blvd, Wesley Chapel, FL 33544Directions
North Port area · 2
- Centre Point Branch4018 14th St W, Bradenton, FL 34205Directions
- Lakewood Ranch Branch11008 Arcade Pl, Bradenton, FL 34211Directions
South Carolina
4 branches
Columbia area · 2
- Sandhill163 Forum Dr Ste 1, Columbia, SC 29229Directions
- Lexington Branch805 Highway 378, Lexington, SC 29072Directions
Charleston area · 2
- Summerville Branch1585 Central Ave Unit C1, Summerville, SC 29483Directions
- Wescott Branch9514 Dorchester Rd Ste 102, Summerville, SC 29485Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 11.23% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 0.60% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 0.75% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $92 | $88 | — |
- CapitalNet worth ratio11.23%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late0.60%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets0.75%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$92Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Grow Financial are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.