Personal Loans

These rates are no joke.

A Personal Loan Can Be an Ideal Solution to Help You Reach Your Goals

Available in amounts of $500 or greater, our fixed-rate, fixed-payment personal loans come in a few varieties for different purposes:

  • Our standard Signature Loan is ideal for expenses like a vacation, college books, home improvements, a computer for school, or any of life’s expenses that pop up.
  • The Debt Consolidation Loan can help you save money by consolidating other debt to reduce your interest rate or lower your monthly payments.

Signature and Debt Consolidation Loan Rates:

up to 36 monthsas low as 8.74%
37-48 monthsas low as 9.24%
49-66 monthsas low as 9.74%

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Line of Credit

This revolving Line of Credit helps guard against overdrafts by automatically transferring funds to your checking account when you’re overdrawn. This means no penalty charges for non-sufficient funds. You may also access your Line of Credit via cash advances. The minimum loan amount is $500.

Line of CreditOpen Ended18.00%2

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Share Secured Loans

An alternative option that uses a share or certificate account as collateral, this fixed-rate loan allows for financing the share or certificate balance. The pledged assets will be “frozen” for the duration of the loan, but continue to earn dividends on the balance.

Share Securedup to 60 monthsAs low as 6.99% APR, OR 2.00% above current dividend rate, whichever is greater
Certificate Securedup to 60 monthsAs low as 6.99% APR, OR 2.00% above the certificate rate, whichever is greater

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Fresh Start Loan

We get it, life happens. But that doesn’t mean you can’t have another chance at rebuilding a better financial future.

Overall, there’s so much you can do with a healthy credit score, and Signal Financial is here to help you navigate on the road to financial success.

The Fresh Start Loan was designed to help you improve your credit score. With an increased credit score, you can save money in the long run by getting better rates on home and auto loans.

Here’s a few things to note before beginning your path to a “fresh start”:

  • Applicants must have at least 3 months of direct deposits into their Signal account before applying.
  • We’ll also ask you to complete our financial literacy course, “Balance Track”, to help propel your journey towards financial success.

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Rates effective December 8, 2023. Rates and terms are subject to change at any time without notice and may vary based on creditworthiness and qualifications. Must be a Signal Financial FCU member for a minimum of six months to qualify for the Fresh Start Loan program.

1 APR=Annual Percentage Rate. Must be a Signal Financial Federal Credit Union member in good standing to qualify. All loans subject to credit approval. Rates subject to change without notice. The APR shown above reflects the current minimum APR offered and includes 0.50% discount for Direct bundle members or 0.75% discount for Premium bundle members. For members not in a Direct bundle, add 0.50% from rates shown above and for members not in a Premium bundle, add 0.75% from the rates shown above. Automatic payments from Signal Financial account is required for bundle discounts. Line of Credit, Share Secured, and Certificate Secured products do not qualify for bundle or other promotional rate discounts.

The APR may be adjusted based on individual credit standing, term, loan-to-value, debt-to-income ratio and aggregate credit score. A 36-month loan of $15,000 at 8.99% APR would have a monthly payment of $476.97; your payment may differ depending on rate, term, and product. Please apply or contact a loan officer to determine the rate, term, and amount for which you qualify.

2 Line of credit rate is variable and is equal to The Wall Street Journal Prime Rate, plus 9.95%. All loan applications are subject to credit approval. Additional rules and restrictions may apply.