Personalized Mortgage Rates

We are here to make your home loan happen.


Mortgage ProductRateAPRTerms
 15, 20, or 30-year fixed4.500%4.641% 1You pick the term from 15 years fixed up to 30 years fixed
3/1 ARM3.250%3.336% 2Fixed for 3 years, then adjusts every year thereafter
5/1 ARM 3.500%3.588% 2Fixed for 5 years, then adjusts every year thereafter
7/1 ARM 4.000%4.090% 2Fixed for 7 years, then adjusts every year thereafter

Interest rates change daily, contact our in-house loan experts to obtain your personalized rate or complete the form below and someone will be in contact soon!



Rates offered to approved applicants will depend on a variety of factors including but not limited to loan amount, loan purpose, occupancy, credit score, loan-to-value ratio, and property type; your rate may differ. Payment samples do not include taxes or insurance; the actual payment obligation will be greater. All loans are subject to credit and underwriting approval. Not all applicants will qualify for the lowest rate. All rates and terms are subject to change without notice. Closing Cost is estimated to range from $700 to $2,000 depending on the loan amount and the property location. 

1As of July 30, 2022. Not all will qualify. Loans subject to collateral and credit requirements. Signal Financial FCU’s 30-year fixed rate is 4.500% (4.641% APR). APR= Annual Percentage Rate. Rates are subject to change at any time and may vary depending on variety of factors. Not all borrowers will qualify for the lowest rate. Rates and offers are available for a limited time and subject to change without notice. A sample payment on a $300,000 loan for a 30-year fixed rate loan at 4.500% (4.641% APR) is $1,520.06. Payments do not include amounts for taxes and insurance premiums for first lien loans; the actual payment obligation will be greater. Payment and APR will vary depending on term and loan program chosen. Please contact a mortgage loan officer at 301-933-9100 ext. 104 about applicable rates, fees, and offers. Membership required. Federally insured by NCUA.

2As of August 1, 2022. Not all will qualify. Loans subject to collateral and credit requirements. Signal Financial FCU’s 3/1 adjustable rate mortgage (ARM) is 3.250% (3.336% APR). APR= Annual Percentage Rate. Rates are subject to change at any time and may vary depending on variety of factors. Not all borrowers will qualify for the lowest rate. Rates and offers are available for a limited time and subject to change without notice. A sample payment on a $300,000 loan for a 3/1 ARM loan at 3.250% (3.336% APR) is $1,305.62 for the initial fixed period of 3 years. Signal Financial FCU’s 5/1 adjustable rate mortgage (ARM) is 3.500% (3.588% APR). APR= Annual Percentage Rate. Rates are subject to change at any time and may vary depending on variety of factors. Not all borrowers will qualify for the lowest rate. Rates and offers are available for a limited time and subject to change without notice. A sample payment on a $300,000 loan for a 3.500% (3.588% APR) is $1,347.13 for the initial fixed period of 5 years. Signal Financial FCU’s 7/1 adjustable rate mortgage (ARM) is 4.000% (4.090% APR). APR= Annual Percentage Financial Percentage Rate. Rates are subject to change at any time and may vary depending on variety of factors. Not all borrowers will qualify for the lowest rate. Rates and offers are available for a limited time and subject to borrowers to change without notice. A sample payment on a $300,000 loan for a 7/1 ARM loan at 4.00% (4.090% APR)change is $1,432.25 for the initial fixed period of 7 years. Payments do not include amounts for taxes and insurance premiums for first lien loans; the actual payment obligation will be greater. Payment and APR will vary depending on term and loan program chosen. Please contact a mortgage loan officer at 301-933-9100 ext. 104 about applicable rates, fees, and offers. Membership required. Federally insured by NCUA.

The Capitol Hill branch and ATM is temporarily closed.

President's Day

All branches and the call center will be closed on Monday, February 21, 2022 in observance of Presidents’ Day.

Digital Member Support will close at 4 PM on Friday, September 30th. Online banking and ATMs are available 24/7. Our apologies for any inconvenience. 

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 Tuesday, October 4, 2022 and Tuesday, October 4, 2022 in observance of the Christmas holiday.

Thanksgiving Holiday Closures

All branches and the call center will be closed on Thursday, November 24, 2022 and Friday, November 25, 2022 in observance of the Thanksgiving holiday.

Veterans Day Holiday Closure

All branches and the call center will be closed on Friday, November 11, 2022 in observance of the Veterans Day holiday.