Share Account Dividend Rates
Share Type |
Minimum Amount to Open |
Minimum Balance to Earn Dividends |
Dividend Rate |
APY1 |
Primary Savings* |
N/A |
$5 |
0.03% | 0.03% |
Savings |
$0 |
$0 |
0.03% |
0.03% |
Bright Future Savings5 |
N/A |
$5 |
0.03% |
0.03% |
Draft Checking and Non Stop Plus Checking* |
$0 |
$3,000 |
0.03% |
0.03% |
Connect Checking2 |
$0 |
$0 |
0.03% |
0.03% |
Bright Future Checking5 |
$0 |
$0 |
0.03% |
0.03% |
Direct Checking3 |
$0 |
$0 |
0.05% |
0.05% |
Premium Checking4 |
$0 |
$0 |
0.08% |
0.08% |
Holiday and Vacation Club |
$10 |
$10 |
0.03% |
0.03% |
Dollar Dog Savings* |
N/A |
$25 |
0.03% |
0.03% |
IRA Share, IRA Roth Share and IRA SEP Share |
$5 |
$5 |
0.03% |
0.03% |
|
$2,000 |
0.03% |
0.03% |
|
Coverdell Education Share |
$5 |
$5 |
0.03% |
0.03% |
$2000 |
0.03% |
0.03% |
||
Money Market |
$10 |
$2,500 |
0.03% |
0.03% |
$20,000 |
0.05% |
0.05% |
||
$50,000 |
0.05% |
0.05% |
||
$100,000 |
0.08% |
0.08% |
||
Direct Money Market3 | $0 | $0 | 0.13% | 0.13% |
Premium Money Market4 |
$0 |
$0 |
0.13% |
0.13% |
$25,000+ | 0.25% | 0.25% |
Effective December 1st, 2020
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.
5 Enrollment in a Signal Bright Future account required to open share account. Please see our Membership page for more information about joining Signal and our Bright Future page for more about the Bright Future Account.
*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
Share Certificate: Term |
Amount to Open |
Dividend Rate |
Annual Percentage Yield |
31 Days |
$500 |
0.02% |
0.02% |
91 Days |
$500 |
0.02% |
0.02% |
182 Days |
$500 |
0.10% |
0.10% |
12 Months |
$500 |
0.20% |
0.20% |
18 Months |
$500 |
0.20% |
0.20% |
24 Months |
$500 |
0.25% |
0.25% |
30 Months |
$500 |
0.25% |
0.25% |
36 Months |
$500 |
0.30% |
0.30% |
48 Months |
$500 |
0.30% |
0.30% |
60 Months |
$500 |
0.35% |
0.35% |
72 Months |
$500 |
0.40% |
0.40% |
Rates effective December 1st, 2020
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. 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 |
0.20% |
0.20% |
18 Months |
$500 |
0.20% |
0.20% |
24 Months |
$500 |
0.25% |
0.25% |
30 Months |
$500 |
0.25% |
0.25% |
36 Months |
$500 |
0.30% |
0.30% |
48 Months |
$500 |
0.30% |
0.30% |
60 Months |
$500 |
0.35% |
0.35% |
72 Months |
$500 |
0.40% |
0.40% |
Effective December 1st, 2020
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 |
0.20% |
0.20% |
18 Months |
$500 |
0.20% |
0.20% |
24 Months |
$500 |
0.25% |
0.25% |
30 Months |
$500 |
0.25% |
0.25% |
36 Months |
$500 |
0.30% |
0.30% |
48 Months |
$500 |
0.30% |
0.30% |
60 Months |
$500 |
0.35% |
0.35% |
72 Months |
$500 |
0.40% |
0.40% |
Effective December 1st, 2020
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 December 1, 2020
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)