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.

Join Now


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 ATM fees waived per month8 ATM fees waived per month10 ATM fees waived per month
No-fee Bill PayNo-fee Bill PayNo-fee Bill Pay
LinkRewardsLinkRewardsLinkRewards
$2 Fee Visa Gift Cards$2 Fee Visa Gift Cards$2 Fee Visa Gift Cards
 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 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

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

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 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.

On Saturday, October 23rd ATMs, online and mobile banking will be unavailable from 10:00pm – 2:00am.