Rates and Disclosures

Share Account Dividend Rates

Share TypeMinimum Amount to OpenMinimum Balance to Earn DividendsDividend RateAPY1
Signal Smart Savings$0$04.24%4.33%
$0$9,999.994.24%4.33%
$10,000$24,999.994.24%4.33%
$25,000$49,999.994.24%4.33%
$50,000$99,999.994.24%4.33%
$100,000$999,999,999.994.24%4.33%
Primary Savings*N/A$50.03%0.03%
Savings$0$00.03%0.03%
Bright Future Savings5N/A$50.03%0.03%
Draft Checking and Non Stop Plus Checking*
$0$3,0000.03%0.03%
Connect Checking2
$0$00.03%0.03%
Bright Future Checking5$0$00.03%0.03%
Direct Checking3$0$00.05%0.05%
Premium Checking4$0$00.08%0.08%
Holiday and Vacation Club$10$100.03%0.03%
Dollar Dog Savings*N/A$250.03%0.03%
IRA Share, IRA Roth Share and IRA SEP Share
$5$50.03%0.03%
  $2,0000.03%0.03%
Coverdell Education Share$5$50.03%0.03%
  $20000.03%0.03%
Money Market
$10$2,5000.03%0.03%
  $20,0000.05%0.05%
  $50,0000.05%0.05%
  $100,0000.08%0.08%
Direct Money Market3$0$00.13%0.13%
Premium Money Market4$0$00.13%0.13%
  $25,000+0.25%0.25%

Effective December 1st, 2023

1 APY = Annual Percentage Yield. Dividends are compounded daily and credited monthly. Minimum balance requirements apply to daily balance.

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 as well as our 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: TermAmount to OpenDividend RateAnnual Percentage Yield
3 Months$5000.02%0.02%
6 Months$5005.10%5.23%
10 Months**$500*4.64%*4.75%*
12 Months$5004.69%4.80%
18 Months$5001.00%1.00%
24 Months $5004.22%4.31%
30 Months $5000.25%0.25%
36 Months$5004.03%4.11%
48 Months$5003.95%4.02%
60 Months$5003.93%4.00%
72 Months$5000.40%0.40%

Rates effective February 12, 2024

Take charge of your savings and invest in a Share Certificate today to maximize your earnings for tomorrow.

1 Options to add funds, conduct penalty-free withdrawals, or extend terms are not available for Individual Retirement Account (IRA) Share Certificates and Coverdell Education Savings Account (ESA) Certificates.

2 Optional, onetime penalty-free withdrawal of up to 50% of your balance. Share certificate holds may reduce the amount available for withdrawal. If you elect to apply the option and your withdrawal amount exceeds 50% of the balance, the amount above 50% is subject to an early withdrawal penalty. Other withdrawals may be subject to an early withdrawal penalty.  Penalties and withdrawals may reduce earnings. This option is not available for any promotional share certificates including the 8 month and 10 month share certificates.

3 To qualify for a term extension, the new term must extend the remaining term by at least six (6) months. The extended certificate will receive the prevailing dividend rate for the new term.

*Diamond Anniversary Share Certificate

*DIVIDEND PERIOD — For each certificate, the dividend period is the certificate’s term. The dividend period begins on the first day of the term and ends on the maturity date. If a certificate term is extended, the new dividend period begins the first day of the term extension and ends on the new maturity date. For only the 10 month diamond anniversary certificate; If an account relationship is upgraded within 75 days to the Premium Bundle, the new Premium rate will be effective on the date of account change to the Premium Bundle. The new dividend rate and period starts from the date of change to the premium bundle, and accrued dividends will be paid on the date of the account change to premium bundle.

DIVIDEND COMPOUNDING AND CREDITING — Dividends are compounded daily and credited monthly. If a certificate term is extended, accrued dividends for the original certificate term will be credited on the first day of the term extension.

BALANCE INFORMATION — To open a share certificate, you must deposit a minimum of $500. The minimum amount required to earn dividends on the certificate term is $500 unless otherwise stated. Dividends are calculated by the daily balance method which applies a daily periodic rate to the end of day balance in the certificate each day.

ACCRUAL OF DIVIDENDS — Dividends will begin to accrue on cash and noncash deposits (e.g., checks) on the business day you make the deposit to your certificate. If you close your certificate before accrued dividends are credited, accrued dividends may not be paid.

TERM EXTENSION — To qualify for a share certificate term extension, the new term must extend the remaining term by at least six

(6) months. The rate will be adjusted to reflect the current rate for the new term at the time of the term extension. Keogh Retirement Account (IRA) Share Certificates and Coverdell Education Savings Account (ESA) Certificates are not eligible for term extensions.

MATURITY — Your certificate will mature as stated on this Share Certificate Disclosure, your Receipt, and Renewal Notice. Promotional share certificate of the 10 month Diamond Anniversary will renew at the 12 month term and rate on the date of maturity. You have ten (10) calendar days AFTER maturity to make changes to your certificate without incurring a penalty. Penalties may reduce the principal balance

EARLY WITHDRAWAL PENALTY — We may impose a penalty if you withdraw funds from your certificate before the maturity date.

a. Amount of Penalty. The amount of the early withdrawal penalty is based on the following schedule:

–10 Month Diamond Anniversary: 150 days’ dividends

b. How the Penalty Works. The penalty is calculated as a forfeiture of part of the dividends that have been or would be earned on the certificate. It applies whether or not the dividends have been earned. In other words, if the certificate has not yet earned enough dividends or if the dividends have already been paid, the penalty will be deducted from the principal. Partial withdrawals are not allowed

c. Exceptions to Early Withdrawal Penalties. At our option, we may pay the certificate before maturity without imposing an early withdrawal penalty under the following circumstances:

-When an account owner dies or is determined legally incompetent by a court or other body of competent jurisdiction.

Additional Deposits* – The 10 month Diamond Anniversary certificate allows deposits to be made for up to 75 days, including date of opening. Minimum deposit required is $500 for each additional deposit. On the 76th day of the term, additional deposits will no longer be allowed. Additional deposits are not allowed for IRA Share Certificates or any other share certificates.

RENEWAL POLICY — The certificate will automatically renew. The 10 month Diamond Anniversary share certificate will renew at the 12 month term and rate at the time of maturity. You have a grace period of ten (10) calendar days after maturity in which to add funds or withdraw funds in the certificate without being charged an early withdrawal penalty.

NONTRANSFERABLE/NONNEGOTIABLE — Your certificate is nontransferable and nonnegotiable.

**10 Months Diamond Anniversary Share Certificates are discontinued shares and are no longer available to open.


Traditional IRA and Roth IRA Certificate Dividend Rates

Certificates TermMinimum Amount to OpenDividend RateAPY1
12 Months$5000.20%0.20%
18 Months$5000.20%0.20%
24 Months$5000.25%0.25%
30 Months$5000.25%0.25%
36 Months$5000.30%0.30%
48 Months$5000.30%0.30%
60 Months$5000.35%0.35%
72 Months$5000.40%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 TermMinimum Amount to OpenDividend RateAPY1
12 Months$5000.20%0.20%
18 Months$5000.20%0.20%
24 Months$5000.25%0.25%
30 Months$5000.25%0.25%
36 Months$5000.30%0.30%
48 Months$5000.30%0.30%
60 Months$5000.35%0.35%
72 Months$5000.40%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 TypeFee Amount
ATM—Foreign ATM$1 per balance inquiry or transaction at non-Signal Financial FCU ATMs —first 4
fees waived each month (Bundle members receive additional fee waivers)
Bad Address—Returned mail$10/return
Bill Pay Payments—Expedited payment$34.95/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 > $0)$10/month
Inactivity—Dormant (2 years of no member-initiated activity & balance is > $0)$10/month
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$45/transfer
Overdraft$28/item
Paper Statement$2/month
Pay-by-Phone Loan Payment$10/payment
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$28/item
Returned Item—Uncollected Funds$28/item
Safe Deposit Box—Drilling$150/instance
Safe Deposit Box—Lost Key Replacement$20/replacement
Skip-a-Pay$30/request
Special Collection Item$31/item
Statement Copy$10/statement
Stop Payment—Credit union assisted$31/item
Stop Payment—Online Banking or Automated Telephone System$20/item
Telephone Transfer—Credit union assisted$3/transfer
VISA® Convenience Check Copy$5 each
VISA® Statement Copy$10 each

Effective July 17, 2023

Download 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.