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Smart Moves for
Big Purchases

Whether you’re dreaming of a vacation, planning for a wedding, starting a business, or need new appliances, let us help you navigate the financial landscape. At Signal Financial, we believe in making your big moments a reality with a Signal Smart™ approach.

Five Smart Moves

Define Your Goals and Budget

Clearly set your intention and purpose. Consider the total cost including taxes, fees, and additional expenses.

Do Your Research

Review different options for the product or service you intend to purchase. Don’t forget to look for deals, discounts, or other ways to save.

Save and Plan Ahead

Big purchases can take time to prepare for. Create a savings plan and set goals along the way.

Consider Financing Options

Compare rates, terms, and fees to see how taking on debt may impact your overall financial strategy.

Complete a Financial Health Assessment

Take a 360-degree view of your finances, including income, debt, emergency fund, and your long-term goals.

Choose the Signal Solution that Best Fits Your Needs

Personal Loan

Use the funds for anything – be it consolidating debt, managing unexpected expenses, or pursuing your dreams, all with competitive rates and flexible terms.


Unlock the potential in your home with a Home Equity Line of Credit (HELOC), a strategic tool to finance significant ventures, ensuring your home investment works smarter for you.

Credit Cards

With interest rates up to 18.00% APR1, a Signal credit card can allow you to consolidate debt and build credit, so you can be one step closer to your next big purchase.

Save More with Signal

Signal Smart Share Certificate

Earn competitive returns on your savings over a fixed amount of time. Plus, with terms ranging from 6 to 60 months, you can choose the share certificate that best matches your spending timeline.

  • 12 Months – 5.127% APY2
  • 48 Months – 4.268% APY2

Signal Smart Savings

Our high yield savings account offers a smart and accessible way to grow your savings with a competitive 4.008% APY2 dividend rate, ensuring your money works harder for you.

Financial Management
at Your Fingertips

Explore the Financial Wellness tab within online banking and the mobile app, which can offer insights on your spending, allow you to set specific savings goals (dates and inspiration pictures included!), and more.

Your big moments deserve Signal Smart solutions – let Signal turn your dreams into achievements, one smart move at a time.

Bank easier, bank faster, and bank better with Signal Financial Federal Credit Union.
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