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Our Rates

Checking Accounts

Minimum Balance to Earn Dividend Rate APY1
Signal Smart™ Plus Checking2 $0 0.03% 0.03%
Signal Smart Checking $0-$2,999.99 0.03% 0.03%
$3,000 0.03% 0.03%
Connect Checking2 $0 0.03% 0.03%
Bright Future Checking3 $0 0.03% 0.03%
Direct Checking2 $0 0.05% 0.05%
Premium Checking2 $0 0.08% 0.08%

Savings Accounts

Minimum Balance to Earn Dividends Dividend Rate APY1
Membership Savings $5 0.03% 0.03%
Signal Smart Savings4 $0 – $9,999.99 3.93% 4.008%
$10,000 – $24,999.99 3.93% 4.008%
$25,000 – $49,999.99 3.93% 4.008%
$50,000 – $99,999.99 3.93% 4.008%
$100,000+ 3.93% 4.008%
Signal Smart Plus Savings5 $0 – $9,999.99 4.24% 4.33%
$10,000 – $24,999.99 4.24% 4.33%
$25,000 – $49,999.99 4.24% 4.33%
$50,000 – $99,999.99 4.24% 4.33%
$100,000+ 4.24% 4.33%
Additional Savings $0 0.03% 0.03%
Bright Future Membership Savings (Ages 0-26) $5 0.03% 0.03%
Holiday and Vacation Club $10 0.03% 0.03%
Minimum Balance to Earn Dividends Dividend Rate APY1
IRA Share, IRA Roth Savings, and IRA SEP Savings $5-$1,999.99 0.03% 0.03%
$2,000+ 0.03% 0.03%
Coverdell Education Savings $5-$1,999.99 0.03% 0.03%
$2000+ 0.03% 0.03%

Money Markets

Minimum Balance to Earn Dividends Dividend Rate APY1
Money Market $10 – $2,499.99 0.00% 0.00%
$2,500 – $19,999.99 0.03% 0.03%
$20,000 -$49999.99 0.05% 0.05%
$50,000 – $99999 0.05% 0.05%
$100,000+ 0.08% 0.08%
Direct Money Market6 $0 0.13% 0.13%
Premium Money Market6 $0-$24,999.99 0.13% 0.13%
$25,000+ 0.25% 0.25%

Share Certificates

Share Certificate Term Amount to Open Dividend Rate APY1
3 Months $500 0.02% 0.02%
6 Months $500 3.50% 3.562%
12 Months $500 5.00% 5.127%
18 Months $500 1.00% 1.00%
24 Months  $500 4.70% 4.812%
30 Months $500 0.25% 0.25%
36 Months $500 4.24% 4.331%
48 Months $500 4.185% 4.268%
60 Months $500 4.11% 4.195%
72 Months $500 0.40% 0.40%

IRA Certificates (Traditional, Roth, SEP and Coverdell ESA)

Certificates Term Minimum Amount to Open Dividend Rate APY1
12 Months $500 0.20% 0.20%
18 Months $500 0.20% 0.20%
24 Months $500 0.25% 0.25%
30 Months $500 0.25% 0.25%
36 Months $500 0.30% 0.30%
48 Months $500 0.30% 0.30%
60 Months $500 0.35% 0.35%
72 Months $500 0.40% 0.40%

Fees Associated with All Accounts

Fee Type Fee Amount
ATM—Foreign ATM $1 per balance inquiry or transaction at non-Signal Financial FCU ATMs —first 4 fees waived each month (Bundle members receive additional fee waivers)
Bad Address—Returned Mail $10/return
Bill Pay Payments—Expedited Payment $34.95/item
Bundles—Signal Connect $10/month
Bundles—Signal Direct $10/month
Bundles—Signal Premium $25/month
Bundles—Signal Smart Plus $25/month
Card Expedited Fee-UPS $35/card
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
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 $45/transfer
Overdraft $28/item
Paper Statement $2/month
Pay-by-Phone Loan Payment $10/payment
Research—Legal $75/hour, $75 minimum
Research—Member-initiated $30/30 minutes, $30 minimum
Research—Debit Card Fraud (If research concluded no fraud) $35/claim
Return Deposited Item $28/item
Returned Item—Uncollected Funds $28/item
Safe Deposit Box—Drilling $150/instance
Safe Deposit Box—Lost Key Replacement $20/replacement
Skip-a-Pay $30/request
Special Collection Item $31/item
Statement Copy $10/statement
Stop Payment—Credit Union Assisted $31/item
Stop Payment—Online Banking or Automated Telephone System $20/item
Telephone Transfer—Credit Union Assisted $3/transfer
VISA Convenience Check Copy $5 each
VISA Credit Card-Replacement $10 each
VISA Statement Copy $10 each
Bank easier, bank faster, and bank better with Signal Financial Federal Credit Union.
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