From the Teller Line: Green Home Improvement

Let’s make your home smarter.

Consider using a home equity line of credit (also known as a HELOC) to pay for smart home upgrades and repairs. A HELOC allows you to essentially use the equity in your home to improve your home.

The home improvements with the best returns are often environmentally friendly, energy-saving projects. Below are some eco-friendly home improvement ideas that you may want to consider with a Signal HELOC:

  1. Solar roof panels – Solar panels are a big upfront investment with a big pay-off. Even a single panel will allow you to offset your energy consumption and lower your energy bill, while increasing the value of your home. 
  2. Green flooring – Because it’s made with natural materials, linoleum can be an attractive alternative to wood, which is causing massive deforestation in Central America and Africa. Stained concrete, bamboo and recycled tile are also popular eco-friendly materials.
  3. Upgrade Current Appliances and/or HVAC – Older appliances tend to be very inefficient when compared to newer, energy-conscious models. Switch to a highly efficient, eco-friendly option like a geothermal heating HVAC unit for maximum benefits to your carbon footprint and your budget.

  4. Double Pane Windows – Double pane windows can reduce energy usage by up to 24% in colder climates during the winter, and up to 18% in warmer climates during the summer months when compared to older, single-pane models.

Fund Your Smart Home Upgrades with Signal
Apply for a home equity line of credit (also known as a HELOC) to cover energy-saving upgrades to your home! From Energy Star appliances to solar panels and much more, we can get you started with a 2.99% APR* introductory rate for the first 6 months.

*Signal Financial Federal Credit Union Home Equity Line of Credit (HELOC) refers to an owner-occupied residence. HELOC products are not available for investment properties. The maximum combined loan-to-value (CLTV) on home equity lines of credit is 90%, which assumes that the total of all existing loans amount does not exceed 90% of the appraised property value. For loans with a CLTV greater than 80%, higher rates will apply. The Annual Percentage Rate (APR) for variable rate loan products may increase in accordance with the Wall Street Journal Prime Rate (“Index”, currently 3.25% as of March 16, 2020), plus a Margin after the 2.99% APR introductory rate for the first 6 months has expired. The maximum APR at any time is 18.00%. A minimum initial draw of $10,000 is required. Other terms and conditions apply. Appraisal, recordation taxes, and other closing costs may vary depending on different factors such as the property location, the loan amount requested, the fair market value, and the CLTV ratio. Total closing costs will be at the expense of the borrower. An appraisal fee refund is available to members enrolled in a Premium Bundle, with a qualifying mortgage loan. For information about the Premium Bundle, please visit: signalfinancialfcu.org/bundles. Credit is subject to approval. Not all applicants will qualify for the lowest rate. Rates and terms are subject to change at any time without notice. Please consult with a loan officer at 301-933-9100 ext.104 for more information on a Signal Financial Home Equity Line of Credit.

Apply for a home equity line of credit to cover energy-saving upgrades to your home! From Energy Star appliances to solar panels and much more, we can get you started with a 2.99% APR* introductory rate for the first 6 months.

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 Saturday, February 4, 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.