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Personal Loans For Whatever Life Throws You

Life is full of exciting opportunities and unexpected surprises. Whether you’re planning to take a big step or you’ve encountered an obstacle, our personal loans can help you navigate what comes next.

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Signal’s Signature Loans

Available in amounts of $500 or greater, our fixed-rate, fixed-payment Signature Loans come in a few varieties for different purposes:

  • Signature Loan: Ideal for a vacation, college books, computer, or any of life’s expenses that pop up
  • Debt Consolidation Loan: Can help you save money by consolidating other debt to reduce your interest rate or lower your monthly payments

As low as 7.49% APR1

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Loan Term APR1
Signature Loan / Debt Consolidation up to 36 months as low as 7.49%
37-48 months as low as 7.99%
49-66 months as low as 8.49%

See Our Rates page for terms and conditions.

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Rates effective May 8, 2025

1 APR=Annual Percentage Rate. Must be a Signal Financial Federal Credit Union member in good standing to qualify. All loans subject to credit approval. Rates subject to change without notice. The APR shown above reflects the current minimum APR offered and includes 0.25% discount for Signal Smart Plus members and 0.25% promotional discount for Signature Loan applications entered during April 14, 2025 to May 12, 2025 promotional period. For members not in Signal Smart Plus, add 0.25% to rates shown above. No Signal Smart Plus discounts apply to the Fresh Start loan. Automatic payments from Signal Financial account are required for Signal Smart Plus discount and Fresh Start loan eligibility. Line of Credit, Share Secured, and Certificate Secured products do not qualify for bundle or other promotional rate discounts.

The APR may be adjusted based on individual credit standing, term, loan-to-value, debt-to-income ratio, and aggregate credit score. A 36-month Signature loan of $15,000 at 7.49% APR would have a monthly payment of $466.52; your payment may differ depending on rate, term, and product. A 36-month Share Secured loan of $15,000 at 6.99% APR would have a monthly payment of $463.02; your payment may differ depending on rate, term, and product. A 12-month Fresh Start loan of $1,000 at 18.00% APR would have a monthly payment of $91.68; your payment may differ depending on rate, term, and product. Please apply or contact a loan officer to determine the rate, term, and amount for which you qualify.

Bank easier, bank faster, and bank better with Signal Financial Federal Credit Union.
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Routing Number:
255075495

Main Line
301-933-9100

VISA® Credit Card: General Assistance
For Consumer/Business Cards:
800-328-3018

For Visa Signature Cards:
800-328-3033

VISA® Debit Card: Lost/Stolen
866-498-2213

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800-447-8997

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Signal Financial Federal Credit Union is federally insured by the National Credit Union Administration.
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