icon-bundles-contentWe want our members to be comfortable with the relationship they have with Signal Financial, so we leave the choice up to you.

 

Different members’ unique banking needs may be served best by a different relationship level. Choose only the products you want, or choose one of our Signal Connection Product Bundles1,2,3 for additional savings and benefits.

Before completing the online Membership Application Form, please review the table below.

Your selection at this stage is not confirmation of your eligibility for this product bundle and will be discussed with you during the application process.

 


 

Signal Connection Product Bundles1,2,3

 

Products & Services

Signal
Connect4

Signal
Direct
5

Signal
Premium
6

 Signal
Selections

 Savings Standard Savings Account
Included with Bundle
Standard Savings Account
Included with Bundle
Standard Savings Account
Included with Bundle
Maintain $100 average monthly balance10 to avoid $5 monthly maintenance fee. Additional $5 monthly fee for ATM card.
Checking  Non-Stop Plus Checking Account
Included with Bundle

Non-Stop Plus Checking Account

Included with Bundle

High-interest Premium Checking Account
Included with Bundle

 

No fee basic checks up to twice a year

Maintain $50 average monthly balance10 or complete ten signature-based debit card transactions to avoid $5 monthly maintenance fee
Money Market Account11 Standard Money Market Account High-interest Direct Money Market Account
Included with Bundle

High-interest Premium Money Market Account

Included with Bundle

Standard Money Market Account
VISA Debit Card No fee with checking account
Included with Bundle
No fee with checking account Included with Bundle No fee with checking account Included with Bundle No fee with checking account
eBanking No fee
Included with Bundle
No fee
Included with Bundle
No fee
Included with Bundle

No fee

eStatements No fee
Included with Bundle
No fee
Included with Bundle
No fee
Included with Bundle
No fee
ATM Transactions Signal ATM fee waived for first six transactions at any out-of-network ATM per month7 Signal ATM fee waived for first six transactions at any out-of-network ATM per month7 Signal ATM fee waived for first eight transactions at any out-of-network ATM per month7 Signal ATM fee waived for first four transactions at any out-of-network ATM per month7
Bill Pay No fee  No fee No fee $1 per Bill Pay transaction
Consumer Loans .50% APR8 discount on fixed-rate personal loans9 .50% APR8 discount on fixed-rate personal loans9 .50% APR8 discount on fixed-rate personal loans9 Discount not available
Vehicle Loans .50% APR8 discount on fixed-rate vehicle loans9 .50% APR8 discount on fixed-rate vehicle loans9 .50% APR8 discount on fixed-rate vehicle loans9 Discount not available
Mortgage Discount not available Discount not available Refund of mortgage appraisal fee if two consecutive payments are made9 and account is in good standing Discount not available
Share Certificate Rate increase not included with bundle; limited promotions may be available at times Rate increase not included with bundle; limited promotions may be available at times .25% APY10 increase on CDs greater than 36 months and a minimum balance of $10,000+11 Rate increase not included with Selections; limited promotions may be available at times
Credit Card Not included with bundle; available under regular terms and conditions $1,000 pre-approved VISA Classic credit card Included with Bundle12 Not included with bundle; available under regular terms and conditions Available under regular terms and conditions
Overdraft Line of Credit Not included with bundle; available under regular terms and conditions $250 pre-approved overdraft line of credit
Included with Bundle12
Not included with bundle; available under regular terms and conditions Available under regular terms and conditions

Get Started


Note: The terms, fees, and conditions for Signal Premium, Signal Connect, and Signal Selections apply to new memberships opened after July 11, 2016. Signal Direct terms, fees, and conditions apply to memberships opened or upgraded after February 1, 2017. 
1 Members may not revert to a lower-tiered product bundle for a minimum of 6 months.
2 Unless otherwise specified, all advertised offers and terms and conditions of accounts and services are subject to change at any time without notice. After an account is opened or a service begins, it is subject to its features, conditions and terms, which are subject to change at any time in accordance with applicable laws and agreements.
3 Other transaction and service fees, including insufficient funds and overdraft fees, may apply.  See our Fee Schedule for more information.
4 $10 monthly maintenance fee waived if member maintains a $250 average monthly balance in checking account or conducts five (5) signature-based debit card transactions per month. Average monthly balance is calculated by the total of your daily end of day balance divided by the number of days in the month. Certificate balances are not included in the average monthly balance calculation.

5 Direct deposit enrollment is required for this bundle. Must be 18 years or older to qualify for the Signal Direct bundle. $10 monthly maintenance fee waived if member maintains a $250 average monthly balance in checking account or completes five (5) signature-based debit card transactions per month. Average monthly balance is calculated by the total of your daily end of day balance divided by the number of days in the month. Certificate balances are not included in the average monthly balance calculation. See Money Market Accounts for more information about the Direct Money Market Account.

6 $25 monthly maintenance fee waived if member maintains a combined $25,000 average monthly balance in share accounts (excluding share certificates) and either 1) conducts five (5) signature-based debit card transactions per month or 2) has a mortgage with a starting balance of $250,000 or greater. Average monthly balance is calculated by the total of your daily end of day balance divided by the number of days in the month. Certificate balances are not included in the average monthly balance calculation. See Money Market Accounts for more information about the Premium Money Market Account.

7 An out-of-network ATM is any ATM that is not part of the CO-OP or Allpoint Networks or at a Signal Financial FCU branch. ATM surcharge fees from the other institution may apply.
8 Annual Percentage Rate
9 Approved new loans only, with automatic payment transfer from your Signal Financial FCU account. Cannot be combined with any other offer. Existing loans excluded. Contact a Signal representative at 301-933-9100 ext 105 to learn more.
10 Annual Percentage Yield
11 Member must request the promotional increase on applicable certificate at opening and maturity. Cannot be combined with any other offer.
12 These pre-approved credit offers are included for all new members or current members in good standing who upgrade to the Signal Direct bundle. Members are not obligated to accept these pre-approved credit offers. However, these credit offers will expire 30 days after bundle enrollment. Members may choose to apply for higher credit limits, however they will be subject to Signal Financial’s credit qualification guidelines, which may result in a declination of credit including the original pre-approved credit offers. A member in “Good Standing” is defined as:
     – No SFFCU obligations (e.g., mortgage, loan, line of credit, credit card , etc.) currently past due more than 15 days
     – No collections or charge-offs of any Signal Financial FCU obligation
     – No shares with a negative balance at the time of upgrade
Visit www.signalfinancialfcu.org  or contact a representative at 301-933-9100 ext. 105 for more information.

Note: account maintenance fees will not be charged to members under the age of 18.

See Membership Disclosure for credit union membership qualifications and eligibility.