Credit Cards

It’s all about choice.

Choose a Signal credit card that fits your needs, whether that’s rewards points, cash back, or building your credit history. We changed our credit cards to offer members more choices — and when combined with the new LinkRewards (CURewards) program, which rewards members for banking more actively with the credit union, our new credit cards have even more benefits!

Apply Now

For questions about our credit cards, call us at 301-933-9100.

To find out more about the LinkRewards (CURewards) program and how to enroll, visit our LinkRewards (CURewards) page or call 301-933-9100.


Signal Financial Signature VISA credit card

Want a card that offers cash back on every purchase?

Choose the Signature card.   The new Signature Visa® card1 is for members looking for cash back rewards. Earn 3% cash back on travel purchases, 2% cash back on gas, groceries, and restaurants, and 1% cash back on everything else. There is no foreign transaction fee and no annual fee. $100 cash rewards bonus after making at least $1,000 in purchases in the first 90 days of your account opening.

Signal Financial Platinum VISA credit card.

Want a card that offers points for every purchase?

Choose the Platinum card.  The Platinum Visa card offers points for every purchase. For every $1 spent, get 3 points on travel purchases, 2 points on gas, groceries, and restaurants, and 1 point on everything else.23 Redeem your points for travel, merchandise, gift cards, cash, or charitable giving. The Platinum card dovetails with our LinkRewards (CURewards) program to help members earn rewards points they can use to purchase services or gifts from our rewards store. The Platinum card has no annual fee. 10,000 bonus points after making at least $1,000 in purchases in the first 90 days of your account opening.

Signal Financial Direct VISA card

Want a card that can help you build or rebuild your credit?

Choose the Direct card. With a low credit limit and fully or semi-secured options, the Direct Visa®card4 can help members who are looking to rebuild their credit, young people who are establishing credit for the first time, or those who have moved from overseas and need to establish new credit history. It has a $25 annual fee, which is waived for the first year and will be waived thereafter when you conduct $1,000 or more in transactions over a 12 month period. The Direct card does not tie into a rewards program.


Credit card rates and features

 Direct4 VISA®
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Platinum3 VISA®
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Signature1 VISA®
APPLY NOW
Annual Percentage Rate (APR)Variable; currently 18.00%
(Prime Rate + 15.00%)
Variable; currently 8.75% – 16.75% 
(Prime Rate + margin, currently 5.50% – 13.50%, depending on creditworthiness)
Variable; currently 9.75% – 11.75% (Prime Rate + margin, currently 6.50% – 8.50%, depending on creditworthiness)
Introductory APR0% for the first 12 months on purchases, and balance transfers5, then a variable card rate of 18.00%0% for the first 12 months on purchases, and balance transfers5, then a variable card rate of 8.75% – 16.75%0% for the first 12 months on purchases, and balance transfers5, then a variable card rate of 9.75% – 11.75%
Credit Limit$500 to $40,000$500 to $40,000 $5,000 to $40,000
Annual FeeNone the first year. Each year thereafter, $25 per year. Annual fee is waived for members who conduct a minimum of $1,000.00 in transactions over a 12 month period.No Annual Fee No Annual Fee
Foreign Transaction Fee1% of transaction amount1% of transaction amountNone
Balance Transfer Rate
0% for first 12 months; then reverts to card rate50% for first 12 months; then reverts to card rate50% for first 12 months; then reverts to card rate5
Balance Transfer FeeNone for first 12 months after card opening6None for first 12 months after card opening6None for first 12 months after card opening6
Rewards PointsYES3
Cash BackYES2
Card LockYESYESYES
FICO® ScoreYES8YES8YES7
24/7 Customer ServiceYESYESYES
Travel and Emergency Assistance ServicesYESYESYES
Roadside DispatchYESYESYES

Note: Rates, benefits, and terms are subject to change without notice. Not all applicants will qualify for the lowest rate. See disclosures below for more information.

Woman looking at credit cards

We’ve made it easy to transfer your balances from higher-rate cards

Balance transfers are easy, no matter which credit card you have. As an introductory offer, make no fee balance transfers6 for the first 12 months after card activation. For transfers made after that, a fee of $10 or 2.5% of the transfer (whichever is greater) will apply.

You’ll also get a promotional APR5 of 0% on transferred balances for the first 12 months after the transfer6. The standard variable rate for your card will apply to any remaining transferred balance after 12 months. This offer is available throughout the life of your card.

To start a balance transfer, contact our Digital Member Support Department at 301-933-9100 or email memberservice@signalfinancialfcu.org. If you already have a Signal Financial credit card, log into eBanking, click on the Credit Card tab, and then use the Services menu to choose Balance Consolidation.


customer paying shopkeeper with credit card

All new cards can be managed with the Card Lock app

All of Signal’s new credit cards come with access to the Card Lock mobile app for improved security. Card Lock allows you to lock or unlock your credit card. If you lose your wallet, or leave your card somewhere, now you can lock it until you find it again, and avoid needing to cancel the card until you know for sure it’s been compromised.

Card Lock also allows you to set restrictions on transactions that can be done with your credit card. For instance, you can set international or online transactions to be declined, or set a geographic area outside of which all transactions will be declined.

Besides allowing you to restrict use of your card, Card Lock also allows you to create alerts for activity on your card, so you can be alerted quickly in case of unauthorized transactions.

Learn more


person checking their FICO credit score and credit report on their phone

See your FICO® Score

Credit card holders can now get quarterly updates on their FICO® Scores. To view your score, log into eBanking, click on the Credit Card tab, and then click on the FICO® Score button.

Check your score several months before you plan to apply for a large loan such as a mortgage or auto loan. Checking regularly will help you understand your credit and how it might affect your financial life. We recommend that members also request a free copy of their credit report every year at annualcreditreport.com.

Click below to learn more about how this free service works, how FICO® Scores are calculated, and how they are used. Get even more details at ficoscore.com/info.

Learn More


Manage your credit card account online

From checking your balance to ordering a custom card design, disputing transactions, checking your credit score, and making payments, you can manage your credit card account in just a few clicks. 

Use the link below to register for online access to your VISA card account:

Register for Visa Online Access

Once you’re registered, get easy access through Single Sign-On in eBanking:

  1. Log into eBanking and click on the Credit Card tab.
  2. To activate Single Sign-On, follow the prompts for the short one-time registration process.
  3. A new window will open to VISA Access Point. (You may need to allow pop-ups in your browser.)
  4. Once you register your card for Single Sign-On, you may access it easily any time you’re logged into eBanking.

Alternatively, use the button below or the link on the home page to log into VISA Access Point directly.

VISA Login

Visa Purchase Alerts

Visa Purchase Alerts Quick Guide

Signal Financial members who have Visa debit or credit cards may set up purchase alerts for their cards. Be notified when a purchase made with your card:

  • was above a certain dollar amount
  • was made outside the US
  • was made online or over the phone

Purchase alerts can notify card holders almost immediately when their card has been used without authorization, and help reduce fraud, which is a good thing both for members and for the credit union.

Please read our quick reference guide, linked above, for instructions. Or click the link below to go straight to the Visa website and start setting up alerts right away.

Set Up Alerts


Visa Auto Pay

This free service allows you to set up automatic monthly payments to your Visa credit card through a Signal Financial checking or savings account.

  • Payment options: minimum balance, partial payment or balance in full
  • Payments are made the 1st business day of each month, or the next business day
  • Call (301) 933-9100, ext. 298 to get started 

Wallet Pay now available!

Stay safe, with our contact-less payments through

Apple Pay, Samsung Pay & Google Pay.


For questions about our credit cards, call us at 301-933-9100.

To find out more about the LinkRewards (CURewards) program and how to enroll, visit our LinkRewards (CURewards) page or call 301-933-9100.

Rates, Disclosures, and Resources

Signal Signature VISA Rates and Fees

Signal Direct VISA Rates and Fees

Signal Platinum VISA Rates and Fees

VISA Online Access

VISA Purchase Alerts Quick Guide

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 9.75%; maximum interest is 11.75%. 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

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 8.75%; maximum interest is 16.75%. 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 CURewards points. Earn 3 point for every $1 in purchases on airlines, hotels, and motels. Earn 2 point 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. CURewards 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 The annual fee for the Signal Direct Visa card is waived the first year. The fee imposed each year thereafter is $25. The annual fee is waived each year for cardholders who conduct a minimum $1,000 in transactions using the credit card over a 12-month period. A foreign transaction fee equal to 1% of the transaction amount will be applied to foreign transactions made with the Direct 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. Interest rate is 18.00%. Interest rates for the Direct card consist of the Prime Rate + margin. The rate is calculated in the following manner: Prime Rate + 15.00%. Rates, benefits, and fees are subject to change at any time.

5 APR = Annual Percentage Rate. 0% APR on all purchases and balance transfers for the first 12 months after card activation. Rate for any remaining purchase and balance transfers will revert to the card’s variable rate, 8.75%–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.

6 No balance transfer will be charged for the first 12 months after card activation. For any new balance transfers initiated 12 months or more after card activation, a fee of $10 or 2.5% of the transfer/advance (whichever is greater) will apply.

7 Credit cardholders can now see their FICO® Scores in the online credit card management site (Visa Access Point), accessible on the Credit Card tab in eBanking. The score we show is the same one we use to evaluate your credit when you apply for a loan, and is updated quarterly. The score shown is that of the primary account holder.

FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.

Signal Financial Federal Credit Union and Fair Isaac are not credit repair organizations as defined under federal or state law, including the Credit Repair Organizations Act. Signal Financial Federal Credit Union and Fair Isaac do not provide “credit repair” services or advice or assistance regarding “rebuilding” or “improving” your credit record, credit history or credit rating.