A banking relationship designed to build wealth.

One of our new relationship bundles,1,2,3 Signal Direct4 brings together a loan discount, high rate money market account, credit card, and overdraft protection, plus everything you need for daily banking, such as checking, savings, a debit card, and mobile banking into one package, so you can:
keep more > build up > and easily manage your money.


Signal Direct is the perfect banking bundle for anyone who wants a 360° banking relationship, anyone who wants to boost their savings quickly, or who needs to build credit and start saving at the same time. The only requirement is direct deposit into a Signal account—any regular monthly automatic deposit into your account, such as a paycheck, Social Security or other benefit payment, a regular deposit from a relative, etc.

Use the Direct Money Market account to get a jump start on your savings: there’s no minimum balance requirement.

Signal Direct also includes an optional pre-approved $1,000 credit card to help you build your credit, and an optional pre-approved overdraft line of credit to help protect you in case of overdrafts.6

Together with checking and savings accounts, a debit card, and online banking and electronic statements to help you do your daily banking, Signal Direct has everything you need to manage your money.

Call 301-933-9100, ext. 298 to find out more or to upgrade your membership!

Products & Services Included

Savings Direct Money Market
Checking eBanking
Debit Card eStatements
  • Signal ATM fee waived for first 6 transactions at any out-of-network ATM per month7
  • .50% APR8 discount on fixed rate personal loans and vehicle loans9
  • No fee Bill Pay
  • Premium rate on Direct Money Market balances $2,500 or greater5
  • Pre-approved $250 Overdraft Line of Credit6
  • Pre-approved $1,000 Visa Credit Card6

Monthly $10 maintenance fee waived when:
  • Member maintains the bundled products and services
  • Member maintains a $250 average monthly balance10 in checking account or completes 5 signature-based debit card transactions per month

1 Members may not revert to a lower tiered product bundle for a minimum of 6 months.
2 Unless otherwise specified, all advertised offers and terms and conditions of accounts and services are subject to change at any time without notice. After an account is opened or a service begins, it is subject to its features, conditions and terms, which are subject to change at any time in accordance with applicable laws and agreements.    
3 Other transaction and service fees, including insufficient funds and overdraft fees, may apply. See our Fee Schedule for more information.

4 Direct deposit enrollment is required for this bundle. Must be 18 years or older to qualify for the Signal Direct bundle.

5 The Signal Direct Money Market accrues 0.00% Annual Percentage Yield (APY) on balances below $2,500. Visit for current rates and terms.

6 These pre-approved credit offers are included for all new members or current members in good standing who upgrade to the Signal Direct bundle. Members are not obligated to accept these pre-approved credit offers. However, these credit offers will expire 30 days after bundle enrollment. Members may choose to apply for higher credit limits, however they will be subject to Signal Financial’s credit qualification guidelines, which may result in a declination of credit including the original pre-approved credit offers. A member in “Good Standing” is defined as:

     – No SFFCU obligations (e.g., mortgage, loan, line of credit, credit card , etc.) currently past due more than 15 days
     – No collections or charge-offs of any Signal Financial FCU obligation
     – No shares with a negative balance at the time of upgrade

Visit  or contact a representative at 301-933-9100 ext. 105 for more information.

Note: account maintenance fees will not be charged to members under the age of 18.
See Membership Disclosure for credit union membership qualifications and eligibility.

7 An out-of-network ATM is any ATM that is not part of the CO-OP or Allpoint Networks or at a Signal Financial FCU branch. ATM surcharge fees from the other institution may apply.

8 Annual Percentage Rate
9 Approved new loans only, with automatic payment transfer from your Signal Financial FCU account. Cannot be combined with any other offer. Existing loans excluded. Contact a Signal representative at 301-993-9100 ext 105 to learn more.

10 Average monthly balance is calculated by the total of your daily end of day balance divided by the number of days in the month. Certificate balances are not included in the average monthly balance calculation.