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¹ APR = Annual Percentage Rate. Rates as of November 27, 2025. Terms and conditions apply. Visit our Lending Rates Page for details.

² APY = Annual Percentage Yield. Rates as of November 27, 2025. Terms and conditions apply. Please visit our Deposit Rates Page for details.

³ APR=Annual Percentage Rate. Must be a Signal Financial Federal Credit Union member in good standing to qualify. All loans subject to credit approval. Rates subject to change without notice. The APR shown above reflects the current minimum APR offered and includes 0.25% discount for Signal Smart Plus members and 0.25% promotional discount for Signature Loan applications entered during November 24, 2025 to January 12, 2026 promotional period. For members not in Signal Smart Plus, add 0.25% to rates shown above. No Signal Smart Plus discounts apply to the Fresh Start loan. Automatic payments from Signal Financial account are required for Signal Smart Plus discount and Fresh Start loan eligibility. Line of Credit, Share Secured, and Certificate Secured products do not qualify for bundle or other promotional rate discounts.

The APR may be adjusted based on individual credit standing, term, loan-to-value, debt-to-income ratio, and aggregate credit score. A 36-month Signature loan of $15,000 at 7.49% APR would have a monthly payment of $466.52; your payment may differ depending on rate, term, and product. A 36-month Share Secured loan of $15,000 at 6.99% APR would have a monthly payment of $463.02; your payment may differ depending on rate, term, and product. A 12-month Fresh Start loan of $1,000 at 18.00% APR would have a monthly payment of $91.68; your payment may differ depending on rate, term, and product. Please apply or contact a loan officer to determine the rate, term, and amount for which you qualify. Membership required.