Share rates and disclosures

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Membership Disclosure

Share Account Dividend Rates

 

Share Type

Minimum Amount to Open

Minimum Balance to Earn Dividends

Dividend Rate

APY1

Primary Savings*

N/A

$5

0.15% 0.15%

Savings

$0

$0

0.15%

0.15%

Draft Checking and Non Stop Plus Checking*

$0

$3,000

0.10%

0.10%

Connect Checking2

$0

$0

0.10%

0.10%

Direct Checking3

$0

$0

0.20%

0.20%

Premium Checking4

$0

$0

0.40%

0.40%

Holiday and Vacation Club

$10

$10

0.15%

0.15%

Dollar Dog Savings*

N/A

$25

0.15%

0.15%

IRA Share, IRA Roth Share and IRA SEP Share

$5

$5

0.35%

0.35%

 

 

$2,000

0.50%

0.50%

Coverdell Education Share

$5

$5

0.35%

0.35%

   

$2000

0.50%

0.50%

Money Market

$10

$2,500

0.20%

0.20%

   

$20,000

0.25%

0.25%

   

$50,000

0.30%

0.30%

   

$100,000

0.35%

0.35%

Direct Money Market3 $0 $0 1.00% 1.00%
Premium Money Market4

$0

$0

1.00%

1.00%

    $25,000+ 1.34% 1.35%

Effective February 11, 2019

 

1 APY = Annual Percentage Yield. Dividends are compounded daily and credited monthly. Minimum balance requirements apply to daily balance. All rates are variable and subject to change. Please see Truth in Savings section of the Membership Disclosure for more information.

2 Enrollment in a Signal Connect Bundle required to open share account. Please see our Membership page for more information about joining Signal and our Signal Bundles page for more about the Connect Bundle.

3 Enrollment in a Signal Direct Bundle required to open share account. Please see our Membership page for more information about joining Signal and our Signal Bundles page for more about the Direct Bundle.

4 Enrollment in a Signal Premium Bundle required to open share account. Please see our Membership page for more information about joining Signal and our Signal Bundles page for more about the Premium Bundle.

*Primary Savings, Non Stop Plus Checking, and Dollar Dog Savings are discontinued shares and are no longer available to open.

 


Share Certificate Dividend Rates 

We’ve enhanced our Share Certificates—find out how. Learn More

 

Certificate Term

Minimum Amount to Open

Dividend Rate

APY1

31 Days

$500

0.20%

0.20%

91 Days

$500

0.55%

0.55%

182 Days

$500

1.25%

1.26%

12 Months

$500

2.50%

2.53%

18 Months

$500

2.55%

2.58%

24 Months

$500

2.60%

2.63%

30 Months

$500

2.60%

2.63%

36 Months

$500

2.65%

2.69%

48 Months

$500

2.70%

2.74%

60 Months

$500

3.05%

3.10%

72 Months

$500

3.30%

3.35%

Effective February 11, 2019

 

1  APY = Annual Percentage Yield. The rates quoted above are accurate and effective for the above accounts as of the effective date indicated. Unless otherwise paid, dividends for certificates of 182 days or less are compounded daily and paid at maturity. Dividends of Certificates and IRA certificates of 12 to 72 months are compounded daily and paid quarterly. Fees or other conditions could reduce the earnings on the account. A penalty may be imposed for withdrawals before maturity. Please see the Truth in Savings section of the Membership Disclosure for more information. If you have any questions or need current rate information on your accounts, please call 301-933-9100 x 298. Promotional rates and terms are subject to end at any time without notice. Penalty and withdrawals may reduce earnings.
2 APY=Annual Percentage Yield. Minimum amount required to open is $500. No minimum balance required to earn stated APY. This offer, including the stated APY, is effective January 22, 2019. Signal Financial reserves the right to end or modify this offer at any time. Enhanced options (“perks”) available on new and existing share certificates. Excludes Individual Retirement Account (IRA) and Coverdell Education Savings Account (ESA) certificates. Business accounts are not eligible to take advantage of this promotion. May not be combined with any other offer. Early withdrawal penalties may apply. Penalties and withdrawals may reduce earnings.

 

Traditional IRA and Roth IRA Certificate Dividend Rates

 

Certificates Term

Minimum Amount to Open

Dividend Rate

APY1

12 Months

$500

2.50%

2.53%

18 Months

$500

2.55%

2.58%

24 Months

$500

2.60%

2.63%

30 Months

$500

2.60%

2.63%

36 Months

$500

2.65%

2.69%

48 Months

$500

2.70%

2.74%

60 Months

$500

3.05%

3.10%

72 Months

$500

3.30%

3.35%

Effective February 11, 2019

 

1  APY = Annual Percentage Yield. The rates quoted above are accurate and effective for the above accounts as of the effective date indicated. Unless otherwise paid, dividends for certificates of 182 days or less are compounded daily and paid at maturity. Dividends of Certificates and IRA certificates of 12 to 72 months are compounded daily and paid quarterly. Fees or other conditions could reduce the earnings on the account. A penalty may be imposed for withdrawals before maturity. Please see the Truth in Savings section of the Membership Disclosure for more information. If you have any questions or need current rate information on your accounts, please call 301-933-9100 x 298. Promotional rates and terms are subject to end at any time without notice. Penalty and withdrawals may reduce earnings.

 


Coverdell Education Savings Certificate Dividend Rates

 

Certificates Term

Minimum Amount to Open

Dividend Rate

APY1

12 Months

$500

2.50%

2.53%

18 Months

$500

2.55%

2.58%

24 Months

$500

2.60%

2.63%

30 Months

$500

2.60%

2.63%

36 Months

$500

2.65%

2.69%

48 Months

$500

2.70%

2.74%

60 Months

$500

3.05%

3.10%

72 Months

$500

3.30%

3.35%

Effective February 11, 2019

 

1  APY = Annual Percentage Yield. The rates quoted above are accurate and effective for the above accounts as of the effective date indicated. Unless otherwise paid, dividends for certificates of 182 days or less are compounded daily and paid at maturity. Dividends of Certificates and IRA certificates of 12 to 72 months are compounded daily and paid quarterly. Fees or other conditions could reduce the earnings on the account. A penalty may be imposed for withdrawals before maturity. Please see the Truth in Savings section of the Membership Disclosure for more information. If you have any questions or need current rate information on your accounts, please call 301-933-9100 x 298. Promotional rates and terms are subject to end at any time without notice. Penalty and withdrawals may reduce earnings.


 


Fees Associated with All Accounts

 

Fee Type

Fee Amount

ATM—Foreign ATM

$1 per balance inquiry or transaction at non-Signal Financial FCU ATMs—first 4 fees waived each month; additional fees waived when enrolled in Signal Bundles

Bad Address Mail Returns

$10/return

Bill Pay Payments—Any method

$1/payment (Selections members only)

Bill Pay Payments—Check payment (2 business day delivery, converted to electronic payment)

$4.95/item

Bill Pay Payments—Check payment (2 business day delivery)

$14.95/item

Bill Pay Payments—Check payment (next business day delivery)

$19.95/item

Bundles—Signal Connect

$10/month

Bundles—Signal Direct

$10/month

Bundles—Signal Premium

$25/month

Check Copy—Deposited or cleared (credit union assisted)

$3/item

Debit Card Replacement

$10/card

Debit Card—Foreign Transaction (international)

1% of each transaction

Early Account Closure (new account closed in the first 6 months)

$25

Escheatment to State

$50/account

Garnishments or Levies Processing

$75/instance

Holiday Club Early Withdrawal

$15

Inactivity—Inactive (1 year of no member-initiated activity & balance is < $50)

$5/month

Inactivity—Dormant (2 years of no member-initiated activity & balance is $50+)

$5/month

Money Order

$4 each

Official Check

$7 each

Official Check Copy

$10/item

Official Check Replacement

$10/item

Official Check Stop Payment

$31/item

Outgoing Domestic Wire Transfer

$30/transfer

Outgoing Foreign Wire Transfer (available to business accounts only)

$45/transfer

Overdraft

$31/item

Paper Statement

$2/month

Pay-by-Phone Loan Payment

$10/payment

Payday Advance

$20/application

Research—Legal

$75/hour, $75 minimum

Research—Member-initiated

$30/30 minutes, $30 minimum

Research—Debit Card Fraud (if research concluded no fraud)

$25/claim

Return Deposited Item

$31/item

Returned Item—Uncollected Funds

$20/item

Safe Deposit Box—Drilling

$150/instance

Safe Deposit Box—Lost Key Replacement

$20/replacement

Selections—Draft Checking

$5/month (Applies to new Selections members as of 2/11/19. Members not enrolled in Selections or a Bundle are not affected.)*

Selections—Savings

$5/month (Applies to new Selections members as of 2/11/19. Members not enrolled in Selections or a Bundle are not affected.)*

Skip-a-Pay

$30/request

Special Collection Item

$31/item

Statement Copy

$10/statement

Stop Payment—Credit union assisted

$31/item

Stop Payment—eBanking or Teller Phone

$20/item

Telephone Transfer—Credit union assisted

$3/transfer

VISA® Convenience Check Copy

$5 each

VISA® Gift Card

$4 each

VISA® Statement Copy

$10 each

Visa® Travel Money Reloadable Card—Issuance

$5 each

Effective February 11, 2019

 

Click Here for a downloadable Fee Schedule.

*Selections members established before February 11, 2019 who open a new savings or checking account on or after February 11, 2019 will be assessed a $5 monthly fee for each savings and checking account, including those opened before February 11, 2019.

 

 


This credit union is federally insured by the National Credit Union Administration.

To learn more, visit www.ncua.gov, or read one of the publications linked below. To calculate your share insurance coverage, visit: www.mycreditunion.gov/protect/Pages/SI.aspx

 

How Your Accounts Are Federally Insured (an NCUA publication)

Cómo asegurar sus cuentas con seguro federal (español) (an NCUA publication)

 

Your Insured Funds (an NCUA publication)

Sus fondos asegurados (español) (an NCUA publication)

 

Member Conduct Policy