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Turn Dreams into Reality with Signal Financial’s Personal Loans

Dreams meet reality with our flexible personal loans. Whether it’s consolidating debt, upgrading your home, going to school, or embarking on a dream vacation, our personal loans are designed to turn your aspirations into tangible achievements.

Signature Loan

The Signature Loan is ideal for expenses like a vacation, college books, a new computer, home improvements, debt consolidation, or any of life’s expenses that pop up.

  • Available in amounts of $500 or greater
  • Fixed-rate loans up to 66 months
  • Fixed monthly payments so you can calculate your budget
Terms APR1
Up to 36 months as low as 9.24%
37-48 months as low as 9.74%
49-66 months as low as 10.24%

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.

Term APR1
Open Ended 18.00%2

Share Secured Loans

An alternative option that uses a share or certificate account as collateral, this allows for financing against 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.

Product Terms APR1
Shared Secured Up to 60 months As low as 6.99% APR, OR 2.00% above current dividend rate, whichever is greater
Certificate Secured Up to 60 months As low as 6.99% APR, OR 2.00% above current dividend rate, whichever is greater

Fresh Start Loan

The Fresh Start Loan is designed to help you improve your credit score. With an increased credit score, you can save money in the long run by getting better rates on home and auto loans.

Product Terms APR1
Fresh Start Up to 30 months As low as 15.00%

Here are a few things to note before beginning your path to a fresh start:

  • Applicants must have at least 3 months of direct deposits into their Signal account before applying
  • Applicants’ first Fresh Start loan must be a 12-month loan up to $1,000 with an 18% APR
  • We’ll also ask you to complete our financial literacy course, Balance Track, to help propel your journey toward financial success
Bank easier, bank faster, and bank better with Signal Financial Federal Credit Union.
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