Product Bundles

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, including a sign-up bonus for certain products and services.*

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

 

Signal Services

signalconnect4

signalpremium7

 signalselections

 SavingsIncluded with BundleIncluded with BundleMaintain $100 average monthly balance10 to avoid $5 monthly maintenance fee. Additional $5 monthly fee for ATM card.
Checking Included with BundleNo fee basic checks up to twice a year
Included with Bundle
Maintain $50 average monthly balance10 or complete ten signature-based debit card transactions to avoid $5 monthly maintenance fee
Money Market Account11Standard Money Market AccountPremium eMoney Market Account Included with BundleStandard Money Market Account
VISA Debit CardNo fee with checking account Included with BundleNo fee with checking account Included with BundleNo fee with checking account
eBankingNo fee Included with BundleNo fee Included with Bundle

No fee

eStatementsNo fee Included with BundleNo fee Included with BundleNo fee
ATM TransactionsNo Signal ATM fee for first six transactions at a non-Signal ATM per monthNo Signal ATM fee for first eight transactions at a non-Signal ATM per monthNo Signal ATM fee for first four transactions at a non-Signal ATM per month
Bill PayNo feeNo fee$1 per bill pay transaction
Consumer Loans.50% APR5 discount on fixed-rate personal loans6.50% APR5 discount on fixed-rate personal loans6Discount not available
Vehicle Loans.50% APR5 discount on fixed-rate vehicle loans6.50% APR5 discount on fixed-rate vehicle loans6Discount not available
MortgageDiscount not availableRefund of mortgage appraisal fee if two consecutive payments are made6 and account is in good standingDiscount not available
Share CertificateDiscount not available.25% increase on CDs greater than 36 months and a minimum balance of $10,000+9Discount not available

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Note: The fees for Signal Premium, Signal Connect, and Signal Selections apply to new memberships opened after July 11, 2016.
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 Maintain a $250 average monthly balance in your checking account or conduct 5 signature-based debit card transactions per month to avoid the $10 monthly maintenance fee.
5 Annual Percentage Rate
6 With auto transfer from your Signal Financial FCU account, provided account is in good standing. Cannot be combined with any other offer.
7 Maintain a combined $25,000 average monthly balance in share accounts (excluding share certificates) and conduct 5 signature-based debit card transactions per month or have a mortgage with a starting balance of $250,000 or greater to avoid the $25 monthly maintenance fee.
8 Annual Percentage Yield
9 Member must request the promotional increase on applicable certificate at opening and maturity. Cannot be combined with any other offer.
10 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.
11 Maintain $2,500 minimum average daily balance to avoid $10 monthly maintenance fee.
Note: account maintenance fees will not be charged to members under the age of 18.