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Our Rates

Basic Business Checking

Minimum Balance to Open Account Minimum Balance to Maintain
$100 $0

Analysis Checking

Minimum Balance to Open Account Minimum Balance to Maintain Earnings Credit2
$500 $0 Varies based on 90-Day Rolling T-Bill

Business Money Market

Minimum Balance to Earn Dividends Dividend Rate APY1
$0-$2,499.99 0.03% 0.03%
$2,500-$19,999.99 0.05% 0.05%
$20,000-$49,999.99 0.05% 0.05%
$50,000-$99,999.99 0.08% 0.08%
$100,000-$249,999.99  0.08% 0.08%
$250,000.00+ 0.08% 0.08%

Business Savings Account

Minimum Balance to Earn Dividends Dividend Rate APY1
$50 0.03% 0.03%

Signal Smart Business3

Minimum Balance to Earn Dividends Dividend Rate APY1
$0-$9,999 1.25% 1.26%
$10,000-$24,999.99 1.25% 1.26%
$25,000-49,999.99 1.25% 1.26%
$50,000-$99,999.99 1.25% 1.26%
$100,000-$999,999,999.99 1.25% 1.26%

Business Share Certificates

Share Certificate: Term Amount to Open Dividend Rate APY4
3 Months $500 0.02% 0.02%
6 Months $500 3.25% 3.30%
12 Months $500 3.75% 3.82%
18 Months $500 3.50% 3.56%
24 Months $500 3.40% 3.46%
30 Months $500 0.25% 0.25%
36 Months $500 3.30% 3.35%
48 Months $500 3.25% 3.30%
60 Months $500 3.75% 3.82%
72 Months $500 4.00% 4.08%

Rates effective as of July 1, 2025.

Signal Financial Commercial Fee Schedule

1 APY = Annual Percentage Yield. This rate schedule states rates applicable to specified accounts. Dividends are compounded daily and credited every month. This schedule is incorporated as a part of your account agreement with your Credit Union. Rates are variable and subject to change after the account is open. Fees may reduce earnings. Membership required.

2 Minimum balance requirements apply to average daily balance (amount of principal in account each day).

3 Signal Smart Business is a tiered savings account with no minimum account balance or transactions required. Signal Financial reserves the right to end or modify this offer at any time. Fees may reduce earnings from this account. Rates subject to change at any time without notice. Effective July 1, 2025, the dividend rate calculation for the Signal Smart Business Savings account t will change from daily compounding to simple compounding. Interest will compound monthly and be credited monthly. Interest is calculated on both your original amount and the interest it earns over time. 

4 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 account. Membership required.

Bank easier, bank faster, and bank better with Signal Financial Federal Credit Union.
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Routing Number:
255075495

Main Line
301-933-9100

VISA® Credit Card: General Assistance
For Consumer/Business Cards:
800-328-3018

For Visa Signature Cards:
800-328-3033

VISA® Debit Card: Lost/Stolen
866-498-2213

Automated Phone System
800-447-8997

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Signal Financial Federal Credit Union is federally insured by the National Credit Union Administration.
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