We 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
|Savings||Included with Bundle||Included with Bundle||Maintain $100 average monthly balance10 to avoid $5 monthly maintenance fee. Additional $5 monthly fee for ATM card.|
|Checking||Included with Bundle||No 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 Account11||Standard Money Market Account||Premium eMoney 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|
|eBanking||No fee Included with Bundle||No fee Included with Bundle|
|eStatements||No fee Included with Bundle||No fee Included with Bundle||No fee|
|ATM Transactions||No Signal ATM fee for first six transactions at a non-Signal ATM per month||No Signal ATM fee for first eight transactions at a non-Signal ATM per month||No Signal ATM fee for first four transactions at a non-Signal ATM per month|
|Bill Pay||No fee||No fee||$1 per bill pay transaction|
|Consumer Loans||.50% APR5 discount on fixed-rate personal loans6||.50% APR5 discount on fixed-rate personal loans6||Discount not available|
|Vehicle Loans||.50% APR5 discount on fixed-rate vehicle loans6||.50% APR5 discount on fixed-rate vehicle loans6||Discount not available|
|Mortgage||Discount not available||Refund of mortgage appraisal fee if two consecutive payments are made6 and account is in good standing||Discount not available|
|Share Certificate||Discount not available||.25% increase on CDs greater than 36 months and a minimum balance of $10,000+9||Discount not available|
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.