Everyone has an obsession. Ours just happens to be financials.

Go Ahead. Become a member.

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 + PPREMIUM MONEY MARKET + SAVINGS
Earn dividends on Connect Checking monthly balance	Earn higher dividends on Direct Checking monthly balance	Earn highest dividends on Premium Checking monthly balance
6 ATM fees waived per month	Earn dividends on Direct Money Market monthly balance	Earn higher dividends on Premium Money Market monthly balance
No-fee Bill Pay	Discount on new fixed rate for personal and auto loans	Discount on new fixed rate for personal and auto loans
LinkRewards	8 ATM fees waived per month	Free domestic outgoing wire transfers
$2 Fee Visa Gift Cards	No-fee Bill Pay	Full refund on mortgage appraisal fee
	LinkRewards	Earn higher interest on Share Certificates
	$2 Fee Visa Gift Cards	Free Basic checks 2x a year
		10 ATM fees waived per month
		No-fee Bill Pay
		LinkRewards
		$2 Fee Visa Gift Cards

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 a member of the Washington Area Bicyclist Association (WABA) — we will pay the first year’s membership fee for new members (WABA eligibility is applicable to residents of MD, DC, and VA only)
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

Get Started

or call us today at 301-933-9100 ext. 298 or stop by one of our branch locations.

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 our 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

Washington Area Bicyclist Association (WABA) 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 (españo l) (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.