Our Rates

Rates as of November 10, 2025.

1 Terms up to 72 months for new and used auto loans: $5,000 minimum loan amount (minimum 580 credit score). Terms between 72 and 84 months for new and used auto loans: $15,000 minimum loan amount (minimum 660 credit score). Terms up to 66 months for new and used motorcycle loans: $2,000 minimum loan amount. Terms between 67 and 72 months for new and used motorcycle loans: $15,000 minimum loan amount (minimum 660 credit score).

2 APR = Annual Percentage Rate (APR). Rates as of November 10, 2025. The APR shown above reflects the current minimum APR offered to qualified members enrolled in Signal Smart Plus and have automatic payments from a Signal account, which results in a 0.25% APR discount. For members not enrolled in Signal Smart Plus, add 0.25% APR to the above advertised rates. Plus discounts do not apply to internal Signal Financial loan refinances. The APR may be adjusted based on individual credit standing, term loan-to-value, debt-to-income ratio, aggregate credit score, and term. If a $25,000 new auto loan was taken out at 5.24% APR the lowest rate available to members not in Signal Smart Plus for 48 months, the monthly payment would be $474.59. If a $25,000 new auto loan was taken out at 4.99% APR the lowest possible rate after the 0.25% Signal Smart Plus discount for 48 months, the monthly payment would be $471.68. Maximum financed amount is determined by your credit score and down payment may be required. Please apply or contact a Credit Union representative to determine the rate and term for which you qualify. Not all applicants will qualify or qualify for the lowest rate. Rates and terms are subject to change at any time without notice.

3 Fully available on vehicles that have never been titled and secured up to 120% financing of net discount price plus taxes, tags, GAP insurance and extended warranty. New Auto rates apply to 2025-2026 model year vehicles with fewer than 1,000 miles that has never been titled. Finance amount is determined by your credit score. Down payment may be required. Not all applicants will qualify for the lowest rate. Rates and terms subject to change at any time without notice.

4 Used Auto rates apply to model years 2017-2025. Older models and “Classic” or “Antique” vehicles will be considered on an exception basis and require approval from Consumer Lending. Financing available on amounts up to NADA retail value for 2017-2025 model vehicles that have been previously titled. Used auto rates apply to new money loans. Refinances of current Signal Financial FCU loans do not qualify for any discounted rates or promotions (new balance must be less than or equal to the NADA Clean Retail Value of the vehicle). Finance amount is determined by your credit score; term dependent on model year of auto. Down payment may be required. Not all applicants will qualify for the lowest rate. Rates and terms subject to change at any time without notice. Will not finance vehicles that are being sold “As Is” by the dealership.

5 New motorcycle rates apply to 2025-2026 model year vehicles with fewer than 1,000 miles. Financing available on amounts up to 100% of the purchase price (plus tax, tags, GAP and warranty). Finance amount is determined by your credit score. Down payment may be required. Not all applicants will qualify for the lowest rate. Rates and terms subject to change at any time without notice.

6 Used motorcycle rates apply to model years 2017-2025. Older models will be considered on an exception basis and require approval from Consumer Lending. Rates apply to new money loans or refinances of current Signal Financial loans (new balance must be less than or equal to the NADA Clean Retail Value of the motorcycle). Financing available on amounts up to 100% of NADA retail value (plus tax, tags, GAP and warranty). Available on 2017-2025 models that have been previously titled. Finance amount is determined by your credit score. Down payment may be required. Not all applicants will qualify for the lowest rate. Rates and terms subject to change at any time without notice.

Terms and conditions that apply to all mortgage loans: All loans are subject to credit and underwriting approval. Not all applicants will qualify for the lowest rate. Rates, points, and terms may vary depending on variety of factors including but not limited to loan amount, loan purpose, occupancy, credit score, loan-to value ratio, and property type. Rates are only guaranteed once locked and confirmed with our secondary market without any changes made after the request. Rates locked in today for 60 days have an expiration date of (today + 60 days). Rates apply to loans up to the current FHFA conforming loan limit. All rates and terms are subject to change without notice.

7 APR = Annual Percentage Rate

8 As of November 10, 2025. Signal Financial’s 30-year fixed rate mortgage loan is as low as 5.875% (5.998% APR), subject to credit approval. APR= Annual Percentage Rate. Not all will qualify as loans are subject to collateral and credit requirements. Rates are subject to change at any time and may vary depending on variety of factors. Not all borrowers will qualify for a loan or qualify for the lowest rate. Rates and offers are available for a limited time and subject to change without notice. A sample payment on a $300,000 loan amount for a 30-year fixed rate loan at 5.875% (5.998% APR) is $1,774.61. Payments do not include amounts for taxes and insurance premiums for first lien mortgage loans; the actual payment obligation will be greater. Payment and APR will vary depending on term and loan program chosen. Please contact a mortgage loan officer at 301-933-9100 ext. 104 about applicable rates, fees, and offers. Membership required.

9 As of November 10, 2025. Signal Financial’s 5/1 ARM loan is as low as 5.250% (5.369% APR), subject to credit approval. APR= Annual Percentage Rate. Not all will qualify as loans are subject to collateral and credit requirements. Rates are subject to change at any time and may vary depending on variety of factors. Not all borrowers will qualify for a loan or qualify for the lowest rate. Rates and offers are available for a limited time and subject to change without notice. A sample payment on a $300,000 loan for a 5/1 ARM loan at 5.250% (5.369% APR) is $1,656.61 for the initial fixed period of 5 years. Payments do not include amounts for taxes and insurance premiums for first lien loans; the actual payment obligation will be greater. Payment and APR will vary depending on term and loan program chosen. ARM interest rates and payments are subject to increase after the initial 5-year fixed-rate period. The interest rate is subject to adjustment once every year after the initial fixed rate period. Please contact a mortgage loan officer at 301-933-9100 ext. 104 about applicable rates, fees, and offers. Membership required. Federally insured by NCUA.

As of November 10, 2025. Signal Financial’s 7/1 ARM loan is as low as 5.375% (5.494%), subject to credit approval. APR= Annual Percentage Rate. Not all will qualify as loans are subject to collateral and credit requirements. Rates are subject to change at any time and may vary depending on variety of factors. Not all borrowers will qualify for a loan or qualify for the lowest rate. Rates and offers are available for a limited time and subject to change without notice. A sample payment on a $300,000 loan for a 7/1 ARM loan at 5.375% (5.494%) is $1,679.91 for the initial fixed period of 7 years. Payments do not include amounts for taxes and insurance premiums for first lien loans; the actual payment obligation will be greater. Payment and APR will vary depending on term and loan program chosen. ARM interest rates and payments are subject to increase after the initial 7-year fixed-rate period. The interest rate is subject to adjustment once every year after the initial fixed rate period. Please contact a mortgage loan officer at 301-933-9100 ext. 104 about applicable rates, fees, and offers. Membership required. Federally insured by NCUA.

Rates effective November 10, 2025.

Rates and terms are subject to change at any time without notice and may vary based on creditworthiness and qualifications. Must be a Signal Financial member and must have at least three months of direct deposits into Signal account to qualify for the Fresh Start Loan program.

11 APR=Annual Percentage Rate. Must be a Signal Financial Federal Credit Union member in good standing to qualify. All loans subject to credit approval. Rates subject to change without notice. The APR shown above reflects the current minimum APR offered and includes 0.25% discount for Signal Smart Plus members. For members not in Signal Smart Plus, add 0.25% from rates shown above. No Signal Smart Plus discounts apply to the Fresh Start loan. Automatic payments from Signal Financial account are required for Signal Smart Plus discount and Fresh Start loan eligibility. Line of Credit, Share Secured, and Certificate Secured products do not qualify for bundle or other promotional rate discounts.

The APR may be adjusted based on individual credit standing, term, loan-to-value, debt-to-income ratio, and aggregate credit score. A 36-month Signature loan of $15,000 at 7.74% APR would have a monthly payment of $468.21; your payment may differ depending on rate, term, and product. A 36-month Share Secured loan of $15,000 at 6.99% APR would have a monthly payment of $463.02; your payment may differ depending on rate, term, and product. A 12-month Fresh Start loan of $1,000 at 18.00% APR would have a monthly payment of $91.68; your payment may differ depending on rate, term, and product. Please apply or contact a loan officer to determine the rate, term, and amount for which you qualify.

12 Line of credit rate is variable and is equal to The Wall Street Journal Prime Rate, plus 9.95%. All loan applications are subject to credit approval. Additional rules and restrictions may apply.