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Turn Dreams into Reality with Signal Financial’s Personal Loans

Dreams meet reality with our flexible personal loans. Whether it’s consolidating debt, upgrading your home, going to school, or embarking on a dream vacation, our personal loans are designed to turn your aspirations into tangible achievements.

Signature Loan

The Signature Loan is ideal for expenses like a vacation, college books, a new computer, home improvements, debt consolidation, or any of life’s expenses that pop up. 

  • Available in amounts of $500 or greater
  • Fixed-rate loans up to 66 months
  • Fixed monthly payments so you can calculate your budget
Terms APR1
Up to 36 months as low as 7.74%
37-48 months as low as 8.25%
49-66 months as low as 8.74%
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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.

Term APR1
Open Ended 17.45%2
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Share Secured Loans

An alternative option that uses a share or certificate account as collateral, this allows for financing against 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.

Product Terms APR1
Shared Secured Up to 60 months As low as 6.99% APR, OR 2.00% above current dividend rate, whichever is greater
Certificate Secured Up to 60 months As low as 6.99% APR, OR 2.00% above current dividend rate, whichever is greater
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Fresh Start Loan

The Fresh Start Loan is 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.

Product Terms APR1
Fresh Start Up to 30 months As low as 18.00%

Here are 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
  • Applicants’ first Fresh Start loan must be a 6-month loan up to $500 with an 18% APR
  • We’ll also ask you to complete our financial literacy course, Balance Track, to help propel your journey toward financial success
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Rates effective May 22, 2025. 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 member and must have at least three months of direct deposits into Signal account 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 0.25% discount for Signal Smart Plus members. For members not in Signal Smart Plus, add 0.25% from rates shown above. No Signal Smart Plus discounts apply to the Fresh Start loan. Automatic payments from Signal Financial account are required for Signal Smart Plus discount and Fresh Start loan eligibility. 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 Signature loan of $15,000 at 7.74% APR would have a monthly payment of $468.21; your payment may differ depending on rate, term, and product. A 36-month Share Secured loan of $15,000 at 6.99% APR would have a monthly payment of $463.02; your payment may differ depending on rate, term, and product. A 12-month Fresh Start loan of $1,000 at 18.00% APR would have a monthly payment of $91.68; 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.

Bank easier, bank faster, and bank better with Signal Financial Federal Credit Union.
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