Share Account Dividend Rates
| Share Type | Balance to Earn Dividend | Dividend Rate | APY1 |
|---|---|---|---|
| Membership Savings $5 minimum to open | $5 | 0.03% | 0.03% |
| Bright Future Membership Savings (age 0-26) | $5 | 0.03% | 0.03% |
| Signal Smart Savings2 | $0 – $9,999.99 | 4.24% | 4.33% |
| $10,000 – $24,999.99 | 4.24% | 4.33% | |
| $25,000 – $49,999.99 | 4.24% | 4.33% | |
| $50,000 – $99,999.99 | 4.24% | 4.33% | |
| $100,000+ | 4.24% | 4.33% | |
| Additional Savings | $0 | 0.03% | 0.03% |
| Bright Futures Savings3 (age 0-26) | $0 | 0.03% | 0.03% |
| Classic Checking | $3,000 | 0.03% | 0.03% |
| Connect Checking4 | $0 | 0.03% | 0.03% |
| Bright Future Checking3 | $0 | 0.03% | 0.03% |
| Direct Checking4 | $0 | 0.05% | 0.05% |
| Premium Checking4 | $0 | 0.08% | 0.08% |
| Holiday and Vacation Club $10 minimum to open | $10 | 0.03% | 0.03% |
| IRA Share Share Savings (Traditional, Roth, SEP and Coverdell Education) | $5 | 0.03% | 0.03% |
| Money Market $10 minimum to open | $10 – $2,499.99 | 0.00% | 0.00% |
| $2,500 – $$19,999.99 | 0.03% | 0.03% | |
| $20,000 – $49999.99 | 0.05% | 0.05% | |
| $50,000 – $99,999.99 | 0.05% | 0.05% | |
| $100,000+ | 0.08% | 0.08% | |
| Direct Money Market5 | $0+ | 0.13% | 0.13% |
| Premium Money Market5 | $0 – $24,999.99 | 0.13% | 0.13% |
| $25,000+ | 0.25% | 0.25% |
Rates as of March 28, 2024
1 APY = Annual Percentage Yield. Dividends are compounded daily and credited monthly. Minimum balance requirements apply to daily balance. Membership required to open or maintain any products.
2 Signal Smart Savings is a tiered savings account with no minimum account balance required. Signal Financial reserves the right to end or modify this offer at any time. Rates subject to change at any time without notice.
3 Enrollment in a Signal Bright Future Membership Savings Account required to open Bright Future account.
4 Enrollment in a Signal Connect Bundle, Signal Direct Bundle, or Signal Premium Bundle required to open a Connect, Direct, or Premium Checking Account.
5 Enrollment in a Signal Direct Bundle or Signal Premium Bundle required to open a Direct or Premium Money Market account.
Share Certificate Rates
| Share Certificate: Term | Amount to Open | Dividend Rate | APY1 |
|---|---|---|---|
| 6 Months | $500 | 4.85% | 4.969% |
| 12 Months | $500 | 5.00% | 5.127% |
| 24 Months | $500 | 4.47% | 4.571% |
| 36 Months | $500 | 4.24% | 4.331% |
| 48 Months | $500 | 4.185% | 4.268% |
| 60 Months | $500 | 4.11% | 4.195% |
Rates effective as of April 8, 2024
1 APY = Annual Percentage Yield. Minimum balance of $500 required. Dividends are compounded daily and credited monthly. Penalties apply for early withdrawal. Fees could reduce the earning of this account. Membership required.
IRA Certificates (Traditional, Roth, SEP and Coverdell ESA)
| Certificates Term | Minimum Amount to Open | Dividend Rate | APY1 |
|---|---|---|---|
| 12 Months | $500 | 0.20% | 0.20% |
| 18 Months | $500 | 0.20% | 0.20% |
| 24 Months | $500 | 0.25% | 0.25% |
| 30 Months | $500 | 0.25% | 0.25% |
| 36 Months | $500 | 0.30% | 0.30% |
| 48 Months | $500 | 0.30% | 0.30% |
| 60 Months | $500 | 0.30% | 0.30% |
| 72 Months | $500 | 0.30% | 0.30% |
Rates effective as of March 29, 2024.
1 APY = Annual Percentage Yield. Rates as of October 13, 2023. Minimum balance of $500 required. Dividends are compounded daily and credited monthly. Penalties apply for early withdrawal. Fees could reduce the earning of this account. Membership required.
Fees Associated with All Account
| Fee Type | Fee 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
This credit union is federally insured by the National Credit Union Administration.
To learn more, visit www.ncua.gov, or read one of the publications linked below. To calculate your share insurance coverage, visit: www.mycreditunion.gov/protect/Pages/SI.aspx
How Your Accounts Are Federally Insured (an NCUA publication)
Cómo asegurar sus cuentas con seguro federal (español) (an NCUA publication)
Your Insured Funds (an NCUA publication)
Sus fondos asegurados (español) (an NCUA publication)
Member Conduct Policy