Share Certificates - Signal Financial

Share Certificates

Maximize your earnings for a more secure tomorrow

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icon-investments-contentGreat dividend rates and peace of mind

Signal’s Share Certificates offer competitive rates and lower risk than many other investments. With a low minimum balance and a variety of terms to choose from, you can customize your savings plan.

Reliable and simple savings for the future—invest in a Term Share Certificate with as little as $500 today and maximize your earnings tomorrow. Choose certificate terms from 31 days to 72 months.

Share Certificate Dividend Rates

 

Share Certificate: Term

Minimum Balance

Dividend Rate

APY1

31 Days

$500

0.200%

0.200%

91 Days

$500

 0.550%

0.552%

182 Days

$500

1.250%

1.258%

12 Months

$500

2.500%

2.531%

18 Months

$500

2.550%

2.583%

24 Months (Bump-Up Certificate)2

$500

2.600%

2.634%

30 Months (Bump-Up Certificate)2

$500

2.600%

2.634%

36 Months

$500

2.650%

2.685%

48 Months

$500

2.700%

2.737%

60 Months

$500

3.050%

3.097%

72 Months

$500

1.750%

1.760%

Effective November 19, 2018

 

1  APY = Annual Percentage Yield. The rates quoted above are accurate and effective for the above accounts as of the effective date indicated. Certificate rates remain fixed for the term of the certificate. 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. Available to Signal Financial Federal Credit Union members. See our Membership page to find out how to join. Promotional rates and terms are subject to end or change at any time without notice.

2  You may “‘bump-up’” your dividend rate once to the current market rate during the term of your certificate; by doing so, the term and maturity of the certificate will not change. You also have the option of depositing money to your certificate once during the term. Deposit funds must be brought from an external source. You may exercise each of these options once during each term of a certificate. You may exercise one or both of these options; if exercising both, they may be done at the same time, or at different times, during the term. If you exercise one or both of these options, the maturity date of your certificate will remain the same as originally scheduled. These options will be at no cost to you and are only available on the 24- and 30-month term share certificates. PLEASE NOTE: THE BUMP-UP OPTION IS NOT AVAILABLE ON ANY PROMOTIONAL RATE CERTIFICATES. Rates subject to change.

 

 

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