Personal Loans

These savings are no joke.


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

Signature Loan

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

  • Our standard Signature Loan is ideal for expenses like a vacation, college books, a computer for school, or any of life’s expenses that pop up.
  • The Home Improvement Loan is great for financing those projects you’ve been considering to turn your house into your dream home.
  • The Debt Consolidation Loan can help you save money by consolidating other debt to reduce your interest rate or lower your monthly payments.
ProductTermAPR1
Home Improvement Loanup to 36 monthsas low as 8.49%
 37-48 monthsas low as 8.99%
 49-66 monthsas low as 9.49%
Signature Loan / Debt Consolidationup to 36 monthsas low as 8.99%
 37-48 monthsas low as 9.49%
 49-66 monthsas low as 9.99%

Apply Now


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.

ProductTermAPR1
Line of CreditOpen Ended17.70%2

Apply Now


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.

ProductTermAPR1
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

Apply Now


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.

Apply Now


Rates effective December 7, 2022. 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.

Digital Member Support will be temporarily unavailable today between 11:00 AM -12:00 PM.

Martin Luther King Jr. Day

All branches and the digital member support team will be closed on Monday, January 16, 2023 in observance of Martin Luther King Jr. Day.

For expedited assistance please dial 240-512-8240 to connect directly to our Digital Member Support.

All branches and Digital Member Support will close on Saturday, December 31st and Monday, January 2nd in observance of the New Year.

Signal Financial branches will close at 12:30pm on Friday, December 23rd. Digital Member Support will operate from 9:00am - 1:00pm.

All branches and Digital Member Support will close on Saturday, December 24th, Monday, December 26th, Saturday, December 31st and Monday January 2nd in observance of the Christmas and New Year holiday.

On Wednesday, December 7th the One Loudoun branch will close at 2:00 PM and all other Signal Financial branches will close at 3:00 PM

Due to system upgrades, online and mobile banking will be unavailable from 10:00pm Tuesday, Jan. 17 to 3:00am Wednesday, Jan 18.

The Capitol Hill branch and ATM are temporarily closed.

President's Day

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

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 Wednesday, March 29, 2023 and Monday, December 25, 2023 in observance of the Christmas holiday.

Thanksgiving Holiday Closures

All branches and the call center will be closed on Thursday, November 23, 2023 and Friday, November 24, 2023 in observance of the Thanksgiving holiday.

Veterans Day Holiday Closure

All branches and the call center will be closed on Friday, November 10, 2023 in observance of the Veterans Day holiday.