Personal Loans - Signal Financial

PERSONAL LOANS to help you attain your goals

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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.

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 March 1, 2018




Home Improvement Loan

up to 36 months

as low as 7.74%

  37-48 months as low as 8.24%
  49-66 months as low as 8.74%

Signature Loan

up to 36 months as low as 8.24%
  37-48 months as low as 8.74%
  49-66 months as low as 9.24%

Holiday Loan (available Nov-Jan)2

up to 36 months as low as 5.99%3

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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.

Effective July 5, 2018

Product Term APR1
Line of Credit 14.95%4

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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.

Effective March 1, 2018

Product Term APR1
Share Secured up to 60 months As low as 3.75% APR, OR 2% above current dividend rate, whichever is greater

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Cash-on-Call Payday Advance
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.

Please print and complete the form below. (Note: These forms cannot be submitted online.) Fax the completed form along with a copy of your driver’s license or state I.D. card and your most recent pay stub to 301-929-6376. Failure to follow these instructions may result in a delay of you receiving your advance.

Payday Advance Application

Rates effective March 1, 2018. Rates and terms are subject to change and may vary based on creditworthiness and qualifications.

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 to 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 The Holiday Loan is available during a limited time period during the year, typically mid-November to the end of January. Members must apply for the Holiday Loan during this time period in order to be eligible. Watch for specifics on our website and in branches around the beginning of November each year or call 301-933-9100, ext. 105 to talk to a lending specialist.

3 Monthly payment of $456.26 for 36-month loan of $15,000.00 at 5.99% APR. Not all applicants will qualify for the lowest rate. Rates and terms are subject to change and may vary based on creditworthiness and qualifications. Offer applies to applications received by the last date of the Holiday Loan promotion.

4 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.