PERSONAL LOANS to help you attain your goals

Get competitive, fixed rates with flexible payment options

Icon
Become a Member

Apply Now

icon-personal-loansNeed cash to consolidate debt? Making a big product purchase? Have an unexpected medical expense? Signal has loan options to help you get over that financial hump.


Holiday Loan
This season, borrow up to $15,000 at rates as low as 6.99% APR* with terms up to 36 months—a joyful discount off our regular personal loan rates. The Holiday Loan is available through January 31, 2020.

APPLY NOW


Anything Loan (Signature Loan)
The Anything Loan is our answer to life’s financial speed bumps, with money available anytime you need it. Available in amounts of $500 or greater, this basic fixed-rate personal loan is ideal for expenses like a vacation, college books or a computer for school.

For a limited time during the winter holiday season, we offer our Holiday Loan, a discounted personal loan that can be used for gifts, expenses, travel, or other needs.

Effective October 1, 2018

Product

Term

APR1

Home Improvement Loan

up to 36 months

as low as 7.99%

  37-48 months as low as 8.49%
  49-66 months as low as 8.99%

Signature Loan

up to 36 months as low as 8.49%
  37-48 months as low as 8.99%
  49-66 months as low as 9.49%

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.

Effective January 7, 2019

Product Term APR1
Line of Credit 15.20%3

Apply Now


Share Secured Loans
An alternative option that uses a share or certificate account as collateral, this fixed-rate loan allows for financing up to 95% of 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.

Effective October 1, 2018

Product Term APR1
Share Secured up to 60 months As low as 3.75% APR, OR 2.00% above current dividend rate, whichever is greater
Certificate Secured up to 60 months As low as 3.75% APR, OR 2.00% above the certificate rate, whichever is greater

Apply Now


Cash-on-Call Payday Advance
Effective November 8, 2019, Payday Advances can only be completed in a branch.

We all face unexpected expenses, and with no cash in hand, what can you do? Signal Financial members now have access to cash-in-a-flash with our payday advances! With Cash-on-Call, you can borrow up to $1,000 (depending upon your salary). Full repayment of your advance is due your next payday. The payments will be automatically debited from your Signal Financial share account on your next pay date.

We will no longer offer the Payday Advance after Friday, December 27, 2019. As we value our members and their financial success, we are developing exciting financial products that will launch at the start of the new year.

In the meantime, please print and complete the form below. (Note: These forms cannot be submitted online.)

Payday Advance Application


Rates effective October 1, 2018. Rates and terms are subject to change at any time without notice and may vary based on creditworthiness and qualifications.

*APR=Annual Percentage Rate. Must be a Signal Financial Federal Credit Union member in good standing to qualify. To qualify for the promotional rate, loan payments must be set up as automatic transfers from a Signal Financial FCU account; otherwise standard personal loan rates and requirements will apply. All loans subject to credit approval. A 36-month loan of $15,000.00 at 6.99% APR would have a monthly payment of $463.14; your payment may differ depending on rate and term. Not all applicants will qualify for the lowest rate or the longest term. Your rate and term may differ depending on your creditworthiness. Rates and terms are subject to change at any time without notice and may vary based on creditworthiness and qualifications. Offer applies only to applications received by January 31, 2020. May not be combined with any other promotions or discounts. 
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 DOES NOT include 0.50% discount for Connect, Direct, or Premium members with automatic payment from their Signal Financial account. For members in a Connect, Direct, or Premium bundle, and who have automatic payment from a Signal account, subtract 0.50% APR from the above rates. The APR may be adjusted based on individual credit standing, term loan-to-value, debt-to-income ratio and aggregate credit score. Please contact a loan officer to determine the rate and term for which you qualify. 
2 Monthly payment of $463.16 for 36-month loan of $15,000.00 at 6.99% APR. Not all applicants will qualify for the lowest rate. All loans subject to credit approval. Rates and terms are subject to change at any time without notice and may vary based on creditworthiness and qualifications. Offer applies to applications received by the last date of the Holiday Loan promotion.
3 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.