These savings are no joke.

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.

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.

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. To learn more about the Fresh Start Loan Program, stop by or call Consumer Lending at 301-933-9100 ext. 105.

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.




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 / Debt Consolidation

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.

Product Term APR1
Line of Credit Open Ended 13.20%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 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.

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

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Rates effective March 1, 2021. 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 does not include 0.50% discount for Direct bundle members or 0.75% discount for Premium bundle members. For members in a Direct bundle, subtract 0.50% from rates shown above and for members in a Premium bundle, subtract 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 $476.93; 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

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

Members can get competitive, fixed rates with flexible payment options.

Contact Us

to learn more about our competitive rates and loan terms, or how you can get exclusive member savings off your next loan from Signal Financial.

Call 301-933-9100 today!