Credit That Works For You

Choose Your Path: Rewards, Cash Back, or Credit Building – We Have the Perfect Card for You!

At Signal Financial Federal Credit Union, we believe in being Signal Smart with your finances. That’s why we offer a range of credit cards designed to suit your unique needs and preferences. Whether you’re after rewards points, cash back, or building your credit history, we’ve got the card that fits the bill.

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The Smart Choice

Signal Financial Federal Credit Union has been the smart choice in the metro-DC area for more than 76 years. Our credit union is built on a strong foundation, and we’re committed to being our members’ lifelong financial partner. With access to resources, webinars, financial counselling and more, we’re not just offering you a savings account, we’re offering you a way to save smarter.  

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1 Annual Percentage Rate (APR) for the Signature Visa credit card may vary and not all applicants will qualify for the lowest rate. The interest rate for purchases, cash advances, and balance transfers is determined by the Prime Rate published in the Money Rates section of the Wall Street Journal. If the prime rate has changed on the last day of the quarter, your APR will change within the first fifteen (15) days of the next quarter. Minimum interest rate for the Signature Visa is 15.75%; maximum interest is 18.00%. Interest rates for the Signature Visa card consist of the Prime Rate + margin and depend on the member’s creditworthiness. Rates, benefits, and fees are subject to change at any time without notice. Cash back benefits apply only to purchases made with the member’s Signature Visa credit card. Member must be in good standing to receive cash back benefits. Cash back will be removed from the member’s account if the qualifying purchase is returned/refunded. Cash back is credited to the member’s credit card account at the end of each billing cycle.

2 3% total cash back will be earned on transactions made with airlines, hotels, and motels starting November 1, 2021. 2% total cash back will be earned on transactions at restaurants, grocery stores, and automated gasoline dispensers starting November 1, 2021. 1% cash back is a standard feature of the Signature Visa credit card and applies to all valid purchases made with a Signature Visa credit card, subject to other restrictions, starting November 1, 2021. In accordance with standard industry practices, merchants are assigned a merchant category code (MCC) typically based on their line of business, or the type of products and/or services they primarily sell or provide. Signal Financial FCU does not assign MCCs to merchants. Even if you make purchases at a merchant of items that appear to fit in a rewards category, the merchant may not have an assigned MCC in that rewards category. Cash back will be credited to the member’s credit card account at the end of each billing cycle for purchases made at qualifying merchants.

3 There is no annual fee for the Signal Platinum Visa card. A foreign transaction fee equal to 1% of the transaction amount will be applied to foreign transactions made with the Platinum card. Annual Percentage Rate (APR) may vary. The interest rate for purchases, cash advances, and balance transfers is determined by the Prime Rate published in the Money Rates section of the Wall Street Journal. If the prime rate has changed on the last day of the quarter, your APR will change within the first fifteen (15) days of the next quarter. Minimum interest rate is 14.75%; maximum interest is 18.00%. Interest rates for the Platinum card consist of the Prime Rate + margin and depend on the member’s creditworthiness. Rates, benefits, and fees are subject to change at any time. Members with a Signal Platinum Visa card will earn Signal Rewards points. Earn 3 points for every $1 in purchases on airlines, hotels, and motels. Earn two points for every $1 in purchases at restaurants, grocery stores, and automated gasoline dispensers. 1 point for every $1 is a standard feature of the Platinum Visa credit and applies to all valid purchases made with a Platinum Visa credit card, subject to other restrictions, starting November 1, 2021. Signal Rewards points are valid for 5 years. In accordance with standard industry practices, merchants are assigned a merchant category code (MCC) typically based on their line of business, or the type of products and/or services they primarily sell or provide. Signal Financial FCU does not assign MCCs to merchants. Even if you make purchases at a merchant of items that appear to fit in a rewards category, the merchant may not have an assigned MCC in that rewards category. Reward categories, amounts, and benefits are subject to change at any time.

4 APR = Annual Percentage Rate. 0% APR on all purchases and balance transfers for the first 12 months after new card account opening. Rate for any remaining purchase and balance transfers will revert to the card’s variable rate, 13.75%–18% depending on creditworthiness and credit card type, after the first 12 months. Rates and fees are subject to change at any time without notice. Refer to your most recent statement for your current standard variable rate. A foreign transaction fee of 1.00% applies to all credit cards except Signature.