Signal Bundles ADA - Signal Financial
Become a Member

Your tomorrow self will thank you

You deserve exclusive benefits. So we’ve created product bundles.

We’ll get straight to the point: With Signal Bundles1,2, you’ll earn more, save more, and get more out of your money. We’re talking exclusive benefits like loan discounts, premium rates, waived fees, and LinkRewards3—all available for just being you.

Have a birthday coming up? You’ll get points. Buying gas anytime soon? You’ll get points. Is your Signal anniversary around the corner? You’ll get points. It’s that easy. But that’s only scratching the surface on rewards possibilities. So we’ve included them all below for easy reference.

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.

Connect4

DIRECT5

Premium6

Savings Savings Savings
Connect Checking earning 0.10% APY7 on any checking balance8 Direct Checking earning 0.20% APY7 on any checking balance8
Premium Checking earning 0.40% APY7 on any checking balance8
  Direct Money Market earning 1.00% APY7 on any balance8 Premium Money Market earning 1.00% APY7 on balances below $25,000 and 1.35% APY7 on balances $25,000 and above 
LinkRewards3 LinkRewards3 LinkRewards3
Free Bill Pay9  Free Bill Pay9 
Free Bill Pay9
6 ATM fees waived  per month10 8 ATM fees waived  per month10 10 ATM fees waived per month10
  0.50% APR11 discount on new fixed-rate personal and vehicle loans12 0.75% APR11 discount on new fixed-rate personal and vehicle loans12
    Full refund on mortgage appraisal fee13
    0.25% APY7 increase on share certificates14
    Free Basic checks 2x a year
    Free domestic outgoing wire transfers
$2 fee Visa gift cards 15 $2 fee Visa gift cards 15 $2 fee Visa gift cards15

Membership Disclosure

Existing Members

To upgrade to a bundle, simple call Member Services at 301-933-9100, stop by, or fill out the form below.

New Members

If you’re new to Signal, then click the “Get Started” button to access the online Membership Application Form.*
* Your selection at this stage is not confirmation of your eligibility for this product bundle and will be discussed with you during the application process.

GET STARTED

 

Yes, I’m interested in a bundle!

 

Membership Disclosure

1 Bundles are not available for Business, Estate, or Representative Payee membership account types. 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 applicable laws and agreements.

2 Monthly fees may reduce earnings. Monthly fees could bring your balance negative if there are not enough funds available in your account. Your Signal Bundle relationship may be downgraded and/or your share account(s) closed if your share account balance(s) is/are negative for 90 days or more. Other transaction and service fees, including insufficient funds and overdraft fees, may apply. See our Fee Schedule for more information.

3 Points-based rewards program. Visit signalfinancialfcu.org/linkrewards to learn more.

4 $10 monthly maintenance fee waived when member maintains a minimum $250 average monthly balance in Connect Checking or completes a minimum of five (5) debit card purchases per month. Average monthly balance is calculated by taking the sum of the daily end of day balances in the calendar month and dividing the sum by the number of days in the month. Debit card purchases are completed when they post to the checking account. Pending purchases are not considered completed purchases.
5 $10 monthly maintenance fee waived when member receives a minimum of $500 in monthly direct deposits to Direct Checking AND does one of the following: maintains a minimum $250 average monthly balance in Direct Checking or completes a minimum of five (5) debit card purchases per month. Excludes ME2ME, person-to-person transfers, and ACH transfers from individuals (including those facilitated by internet payment providers). Average monthly balance is calculated by taking the sum of the daily end of day balances in the calendar month and dividing the sum by the number of days in the month. Debit card purchases are completed when they post to the checking account. Pending purchases are not considered completed purchases. 
6 $25 monthly maintenance fee waived when member maintains a minimum combined $25,000 average monthly balance in share accounts (excluding share certificates) OR has an open Signal Financial FCU mortgage product (mortgage or home equity). Average monthly balance is calculated by taking the sum of the daily end of day balances in the calendar month and dividing the sum by the number of days in the month.
7 APY = Annual Percentage Yield. Rates are variable and subject to change.

8 No minimum balance is required to open or earn dividends.
9 Excludes fees for expedited payments.
10 Signal Financial FCU will waive the first six (6), eight (8), and ten (10) foreign ATM fees each month for Connect, Direct, and Premium bundle relationships, respectively. Signal Financial foreign ATM fees are assessed when members use a Signal Financial FCU debit card at non-Signal Financial FCU ATMs. ATM surcharge fees from the other financial institution may still apply. 
11 APR = Annual Percentage Rate.
12 Approved new loans only, with automatic payment from your Signal Financial FCU checking account. Cannot be combined with any other offer. Existing loans excluded. 
13 Approved new loans only, with automatic payment from your Signal Financial FCU checking account, provided member is in good standing. Cannot be combined with any other offer. Existing loans excluded
14 Available on new and extended share certificates 36 months or greater with a minimum starting balance of $10,000 only. Cannot be combined with any other offer.
15 Fee is separate from amount loaded onto the card and is paid at time of purchase.

 

Note: If the primary member is under the age of 18, account maintenance fees will not be charged. See Membership Disclosure for credit union membership qualifications and eligibility.