Rates and Disclosures

Membership Disclosure 2021


Share Account Dividend Rates

Share TypeMinimum Amount to OpenMinimum Balance to Earn DividendsDividend RateAPY1
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, 2020

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
31 Days$5000.02%0.02%
91 Days$5000.02%0.02%
182 Days$5000.10%0.10%
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%

Rates 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. 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.
2 APY=Annual Percentage Yield. Minimum amount required to open is $500. No minimum balance required to earn stated APY. This offer, including the stated APY, is effective January 22, 2019. Signal Financial reserves the right to end or modify this offer at any time. Enhanced options (“perks”) available on new and existing share certificates. Excludes Individual Retirement Account (IRA) and Coverdell Education Savings Account (ESA) certificates. Business accounts are not eligible to take advantage of this promotion. May not be combined with any other offer. Early withdrawal penalties may apply. Penalties and withdrawals may reduce earnings.


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; additional fees waived when enrolled in Signal Bundles
Bad Address Mail Returns$10/return
Bill Pay Payments—Any method$1/payment (Selections members only)
Bill Pay Payments—Check payment (2 business day delivery, converted to electronic payment)$4.95/item
Bill Pay Payments—Check payment (2 business day delivery)
$14.95/item
Bill Pay Payments—Check payment (next business day delivery)$19.95/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
Money Order$4 each
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 (available to business accounts only)$45/transfer
Overdraft$31/item
Paper Statement$2/month
Pay-by-Phone Loan Payment$10/payment
Payday Advance$20/application
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$31/item
Returned Item—Uncollected Funds$20/item
Safe Deposit Box—Drilling$150/instance
Safe Deposit Box—Lost Key Replacement$20/replacement
Selections—Draft Checking$5/month (Applies to new Selections members as of 2/11/19. Members not enrolled in Selections or a Bundle are not affected.)*
Selections—Savings$5/month (Applies to new Selections members as of 2/11/19. Members not enrolled in Selections or a Bundle are not affected.)*
Skip-a-Pay$30/request
Special Collection Item$31/item
Statement Copy$10/statement
Stop Payment—Credit union assisted$31/item
Stop Payment—eBanking or Teller Phone$20/item
Telephone Transfer—Credit union assisted$3/transfer
VISA® Convenience Check Copy$5 each
VISA® Gift Card$4 each
VISA® Statement Copy$10 each
Visa® Travel Money Reloadable Card—Issuance$5 each

Effective June 1, 2021

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.