Share Certificates

Our share certificates offer flexibility to manage your long-term savings, your way — new features available on new and existing share certificates.1

Signal Financial Share Certificates are better than ever—with as little as $500 to open and a variety of flexible options to choose from, you can be on your way to building long-term financial security.  


Diamond Anniversary Share Certificate

Signal Financial is celebrating 75 years of serving the community with a special Diamond Anniversary Share Certificate.

Standard Members

Share Certificate: TermAmount to OpenDividend RateAnnual Percentage Yield
10 Months$5004.64%4.75%

Premium Members

Share Certificate: TermAmount to OpenDividend RateAnnual Percentage Yield
10 Months$5004.88%5.0%

This 10 month certificate will require a minimum of $500 to open and you can add cash (minimum of $500) up to 75 days from opening day.

Open your certificate today by booking an appointment or by clicking the “let’s talk” chat button.


Extend Your Term

Take advantage of the prevailing rate when you extend your term by six (6) months or more3—this allows more time to build your investment to meet its maximum potential.

Share Certificate Dividend Rates

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%
10 Months*$5004.64%*4.75%*
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 January 3, 2023

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.

Digital Member Support will be temporarily unavailable today between 11:00 AM -12:00 PM.

Due to vendor delays in the embossing of debit and credit cards, you may experience a delay in receiving your new or reissued cards. We apologize for the inconvenience.

Martin Luther King Jr. Day

All branches and the digital member support team will be closed on Monday, January 16, 2023 in observance of Martin Luther King Jr. Day.

For expedited assistance please dial 240-512-8240 to connect directly to our Digital Member Support.

All branches and Digital Member Support will close on Saturday, December 31st and Monday, January 2nd in observance of the New Year.

Signal Financial branches will close at 12:30pm on Friday, December 23rd. Digital Member Support will operate from 9:00am - 1:00pm.

All branches and Digital Member Support will close on Saturday, December 24th, Monday, December 26th, Saturday, December 31st and Monday January 2nd in observance of the Christmas and New Year holiday.

On Wednesday, December 7th the One Loudoun branch will close at 2:00 PM and all other Signal Financial branches will close at 3:00 PM

Due to system upgrades, online and mobile banking will be unavailable from 10:00pm Tuesday, Jan. 17 to 3:00am Wednesday, Jan 18.

The Capitol Hill branch and ATM are temporarily closed.

President's Day

All branches and the call center will be closed on Monday, February 21, 2022 in observance of Presidents’ Day.

Closure Notice

Due to inclement weather all Signal Financial branches are closed today. ATMs, mobile and online banking services are fully operational 24 hours a day and 7 days a week.

Digital Member support will close at 12 PM on Saturday, October 1st. Online banking and ATMs are available 24/7. Our apologies for any inconvenience.

Labor Day Closure

All branches and the call center will be closed on Monday, September 5, 2022 in observance of Labor Day.

Independence Day Closure

All branches and the call center will be closed on Monday, July 4, 2022 in observance of Independence Day.

Juneteenth Closure

All branches and the call center will be closed on Monday, June 20 in observance of Juneteenth.

Memorial Day Closure

All branches and the call center will be closed on Monday, May 30, 2022 in observance of Memorial Day.

Presidents’ Day Closure

All branches and the call center will be closed on Monday, February 21, 2022 in observance of Presidents’ Day.

New Years Day Closure

All branches and the call center will be closed on Friday, December 31 and Saturday, January 1 in observance of New Year's Day.

The Capitol Hill, City Center and Leisure World branches will be closed on Thursday, December 30th, 2021. We apologize for any inconvenience. Have a safe Holiday!

Christmas Holiday Closures

All branches and the call center will be closed on Sunday, February 5, 2023 and Monday, December 25, 2023 in observance of the Christmas holiday.

Thanksgiving Holiday Closures

All branches and the call center will be closed on Thursday, November 23, 2023 and Friday, November 24, 2023 in observance of the Thanksgiving holiday.

Veterans Day Holiday Closure

All branches and the call center will be closed on Friday, November 10, 2023 in observance of the Veterans Day holiday.