Share Certificates

Enhancements to 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 now 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.  


One Time Penalty-Free Withdrawal

Need more money unexpectedly? Access your money with a one-time penalty free withdrawal option. With the ability to withdraw up to 50% of the balance, you could have the peace of mind of accessing your money when you need it most2.


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%
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

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.

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.

The Capitol Hill branch and ATM is temporarily closed.

President's Day

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

Digital Member Support will close at 4 PM on Friday, September 30th. Online banking and ATMs are available 24/7. Our apologies for any inconvenience. 

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 Tuesday, October 4, 2022 and Tuesday, October 4, 2022 in observance of the Christmas holiday.

Thanksgiving Holiday Closures

All branches and the call center will be closed on Thursday, November 24, 2022 and Friday, November 25, 2022 in observance of the Thanksgiving holiday.

Veterans Day Holiday Closure

All branches and the call center will be closed on Friday, November 11, 2022 in observance of the Veterans Day holiday.