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 Signal Rewards program, which rewards members for banking more actively with the credit union, our new credit cards have even more benefits.



Want a card that offers cash back on every purchase?

The Signature Visa® card1

Cash Back, Because Every Purchase Counts!

  • Earn 3% cash back on travel purchases
  • Earn 2% cash back on gas, groceries, and restaurants
  • Earn 1% cash back on everything else2

Intro 0% APR for the first 12 months after card opening, then a variable rate of 15.75% – 18.00% APR there after!4


Want a card that offers points for every purchase?

The Platinum Visa® card

Reward Points That Take You Places!

  • 3 points per $1 spent on travel
  • 2 points per $1 on gas, groceries, and restaurants
  • 1 point per $1 on everything else3

Redeem points for travel, merchandise, gift cards, or cash.

Intro 0% APR for the first 12 months after card opening, then a variable rate of 14.75% – 18.00% APR there after!4


Want a card with the lowest interest rate? 

The Direct Visa® card

Low Interest, High Impact

Choose the Direct Visa card for its money-saving interest rates, ideal for balance transfers and high-ticket purchases.

Intro 0% APR for the first 12 months after card opening, then a variable rate of 14.00% – 18.00% APR there after!4


Want a card to build or reestablish your credit?

The Secured Visa® card

Building Your Credit, One Smart Step at a Time!

The Secured Card is designed for members to improve and/or rebuild credit.

Currently offering a 18.00% APR!


Spend $1,000 in the first 90 days

and you can secure bonus cash back or points depending on the card you choose!


Manage your credit card account online

Cardholders may conveniently check balance and transaction history, view and enroll in electronic statements, schedule payments, and so much more by logging in to their online account.


Credit card rates and features

 Secured5 VISA®
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Direct4 VISA®
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Platinum3 VISA®
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Signature1 VISA®
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Annual Percentage Rate (APR)Currently 18.00% APRVariable; currently 14.00%-18.00% APR, depending on creditworthinessVariable; currently 15.00% – 18.00% APR, depending on creditworthinessVariable; currently 16.00% – 18.00% APR, depending on creditworthiness
Introductory APR0% APR for the first 12 months after card opening on purchases, and balance transfers6, then a variable card rate of 14.00% -18.00% APR0% APR for the first 12 months after card opening on purchases, and balance transfers6, then a variable card rate of 15.00% – 18.00% APR0% APR for the first 12 months after card opening on purchases, and balance transfers6, then a variable card rate of 16.00% – 18.00% APR
Credit Limit$500 to $1,000$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.None 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 amount1% of transaction amount
Balance Transfer Rate
Currently 18.00% APR0% for first 12 months after card opening; then reverts to card rate60% for first 12 months after card opening; then reverts to card rate60% for first 12 months after card opening; then reverts to card rate6
Balance Transfer Fee$10 or 2.5% of the transfer (whichever is greater) None for first 12 months after card opening7None for first 12 months after card opening7None for first 12 months after card opening7
Rewards PointsYES3
Cash BackYES2
Card LockYESYESYESYES
24/7 Customer ServiceYESYESYESYES
Travel and Emergency Assistance ServicesYES
Roadside DispatchYESYESYESYES

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.


Signal Rewards powered by uChoose

To find out more about the Signal Rewards program and how to enroll, visit our Signal Rewards page. 


Wallet Pay

Stay safe, with our contact-less payments through Apple Pay, Google Pay, and Samsung Pay.


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

To complete a balance transfer, please contact our Digital Member Support Department at (301) 933-9100 ext. 298 or visit the nearest branch location for assistance. Members may also complete a balance transfer(s) by using the self-service option within online banking.

Rates, Disclosures, and Resources

Signal VISA Application and Solicitation Disclosure

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 16.00%; 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 15.00%; 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 3 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. Minimum interest rate is 14.00%; maximum interest 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 The Signal Secured Visa card has a $25 annual fee that is waived for the first year and imposed each year thereafter.  This annual fee is waived when cardholders conduct a minimum of $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 Signal Secured card. The Annual Percentage Rate for the Signal Secured Visa is 18.00% APR fixed. Minimum and maximum interest rate is 18.00%.  Security deposit equal to the credit limit is required for this product.  Rates, benefits, terms, and fees are subject to change at any time.

6 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, 14.00%–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.

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

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.