Membership

Ready for rewards? You’ve come to the right credit union.

We provide members with exclusive benefits and rewards—so you can earn more, save more, and be prepared for life’s key moments. And with Signal Bundles, you can meet your financial goals no matter what stage of life you’re in. Did we mention you’ll earn rewards, too? Trust us, your tomorrow self will thank you.


So, which bundle is right for you?
We thought you’d never ask.

We know that your banking needs are unique, so we’ve created a few relationship levels to best match your lifestyle. Whether you’re a serious saver or keeping things casual, we’ve got the exclusive rewards your tomorrow self will thank you for. See Signal Bundles below.

Connect
CONNECT CHECKING + SAVINGS
Direct
DIRECT CHECKING + DIRECT MONEY MARKET + SAVINGS
Premium
PREMIUM CHECKING + PREMIUM MONEY MARKET + SAVINGS
Earn dividends on Connect Checking monthly balanceEarn higher dividends on Direct Checking monthly balanceEarn highest dividends on Premium Checking monthly balance
6 Non-Signal ATM fees waived per month8 Non-Signal ATM fees waived per month10 Non-Signal ATM fees waived per month
No-fee Bill PayNo-fee Bill PayNo-fee Bill Pay
LinkRewards (CURewards)LinkRewards (CURewards) LinkRewards (CURewards)
 Earn dividends on Direct Money Market monthly balanceEarn higher dividends on Premium Money Market monthly balance
 Discount on new fixed rate for personal and auto loansDiscount on new fixed rate for personal and auto loans
  Earn higher interest on Share Certificates
  Free domestic outgoing wire transfers
  Free Basic checks 2x a year
  Full refund on mortgage appraisal fee

Existing Members

To upgrade to a bundle, simply call Member Services at 301-933-9100.

Can I join?

There are many ways to become a member. And once you join, you’re a member for life—even if your qualifying relationship changes. You are eligible if you:

  • Live, work, worship, go to school in Washington, DC or within the Capital Beltway in Prince George’s County
  • Are a relative of a Signal Financial FCU member
  • Are a current employee, retiree, or surviving spouse within one of our Select Employee Groups
  • Are an employee of a business member of the Wheaton-Kensington Chamber of Commerce
  • Are a resident or employee of Leisure World of Maryland

What do I need?

  • $5 to deposit into a shareholder account
  • One form of ID (Government Issued – must be current and not expired)
  • Proof of address if current address does not match primary ID
  • U.S. Social Security Number

Bright Future Account

Bright Future is Signal’s youth and young adult account for ages 0-26. The account is designed to instill financial responsibility among our younger members and comes equipped with most of the features of a standard Signal Financial account.

Parents and grandparents can transfer funds directly from their Signal Financial account into the youth account. They can also link the youth account to their account on eBanking to enable easy monitoring of debit card usage.

Learn More


Enroll Your Company As a Select Employee Group (SEG)

All of your employees and their families can take advantage of credit union membership at no cost to you. Call 301-933-9100, ext. 298 to find out more about becoming a SEG.

View Select Employee Groups


THIS CREDIT UNION IS FEDERALLY INSURED BY THE NATIONAL CREDIT UNION ADMINISTRATION.

To learn more, visit www.ncua.gov, or read the Your Insured Funds (Sus fondos asegurados) document linked below. To calculate your share insurance coverage, visit: www.mycreditunion.gov/protect/Pages/SI.aspx

Membership Disclosure 2021

Membership Forms & Additional Information

Signal Financial Federal Credit Union Membership Application

Rates & Disclosures

How Your Accounts Are Federally Insured (an NCUA publication)

Cómo asegurar sus cuentas con seguro federal (español) (an NCUA publication)

Your Insured Funds (an NCUA publication)

Sus fondos asegurados español) (an NCUA publication)

Deceased Member Account FAQs

Children’s Privacy
We do not knowingly collect Personal Information from individuals under the age of 13 who use our Sites without obtaining consent from a parent or legal guardian.

To learn more about the Children’s Online Privacy Protection Act (COPPA), please visit the National Credit Union Administration Regulatory Alert or the Federal Trade Commission’s website.

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

Due to vendor delays in the embossing of debit and credit cards, you may experience a delay in receiving your new or reissued cards. We apologize for the inconvenience.

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 Sunday, February 5, 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.