Signal Financial Rewards Program

Get the rewards you deserve with Signal Rewards!

Signal Rewards, powered by uChoose1,  is an exclusive benefit of Signal Financial membership that allows you to earn points for your loyalty. By simply making purchases on your Signal debit or credit card, you can earn reward points that take you further. Earn reward points whether you’re shopping, buying gas or groceries, vacationing, or just paying for everyday expenses.  With millions of merchandise options, gift cards from several hundred brands, travel options, entertainment, and so much more…the redemption possibilities are endless! 

It gets even better – points earned on debit and credit card purchases can be combined, so they accumulate faster!

The Essentials You Need. The Rewards You Deserve.

Debit card rewards points

Signal members can earn reward points by swiping their debit card. That means you’ll get rewarded for something you’re already doing! If you don’t have or aren’t using a Signal debit card, here’s one more reason!

Whenever you make a purchase with your Signal debit card, you’ll earn 1 point for every $2 spent2. So are you ready to start earning more rewards?

Debit cardholders are required to agree to Signal Rewards Terms and Conditions to start accumulating points. This process can be completed via Online Banking or the mobile app.

Credit card rewards points

Members with a Signal Platinum Visa3 credit card earn 3 points for every $1 spent on travel purchases, 2 points on gas, groceries, and restaurants, and 1 point on everything else.

Don’t already have our Signal Platinum Visa?  Visit our Credit Cards page to learn more and apply!

Redeeming your points

To check your points and redeem rewards, simply login to your Signal Online Banking or Mobile App and navigate to the rewards section.  It’s that simple!

Frequently Asked Questions

Why did the rewards program change from automatic cashback to manual redemption?

We made this change to ensure that rewards are utilized by engaged members, optimizing our resources, and enabling us to offer better products, services, and rates to all our members. Manual redemption also provides you with the flexibility to choose between immediate cash out or accumulating points for larger rewards.

Has the point calculation strategy for different purchase categories changed?

No, the point calculation strategy for different purchase categories remains the same as before. Members with a Signal Platinum Visa credit card continue to earn 3 points for every $1 spent on travel, 2 points on gas, groceries, and restaurants, and 1 point on all other purchases.

Why does cashback show up as points on the website?

We understand the confusion caused by cashback appearing as points on our website. We are actively working with our vendor to rectify this issue. Our goal is to display cashback as cash to provide a clearer redemption process. We anticipate completing this transition by the end of this year or sooner. Rest assured, you are still earning points during this time, and have the opportunity to redeem your points for cash within the Signal Rewards powered by uChoose platform.

How do I redeem my reward points under the new Signal Rewards program?

To redeem your reward points, follow these steps:

  1. Log in to your Signal Online Banking or Mobile App.
  2. Access the “Card Control Plus” section within your online banking or mobile app.
  3. Navigate to the rewards section, where you can view your accumulated points and initiate the redemption process.
  4. Follow the step-by-step instructions provided to guide you through the redemption process.

Please note that the rewards section is located within the “Card Control Plus” feature of your online banking and mobile app. If you encounter any difficulties or have questions along the way, our customer service team is here to assist you. Your experience with Signal Financial FCU is important to us, and we’re committed to making your reward redemption process as smooth as possible.

Can I still redeem my old “CURewards” points under the new program?

Absolutely! We want to assure you that all current “CURewards” points have been seamlessly transferred over to the new Signal Rewards program. Our commitment to you is to ensure a smooth transition and make sure your hard-earned points are preserved. You’ll be able to utilize these points in the new program just as you did before.

Will my points expire?

No need to worry about expiring points anymore! We’ve reset the expiration date for all Signal Reward points, including those transferred from your LinkRewards/CURewards. Now, your points will be valid for three years from the earn date. This change benefits members whose points were approaching expiration, giving you more time to enjoy your rewards.

What if I have further questions or concerns about the rewards program?

We’re here to help! Feel free to reach out to our Digital Member Support (DMS) team via chat, email or phone. We’re dedicated to providing the support you need and ensuring your experience with Signal Financial FCU is positive and rewarding.

What is Signal Rewards, powered by uChoose?

Signal Rewards is a FREE Rewards Program for Signal debit and credit card holders. Once you sign up, you will earn Signal Rewards points that can be redeemed for cash back, gift cards, travel rewards, donations, dining, and more.

How do I get started?

To redeem your reward points, please register through Signal’s Online Banking

Where can I view my point activity?

You can access the history of your point activity by accessing your Signal Rewards account within your online or mobile banking

What can I redeem my points for?

It’s your choice! You can choose from millions of options, whether you prefer products, travel experiences, activities, event tickets, cash back, gift cards, or more!

Do Mobile Wallet and Tap and Pay transactions count?

Yes. Mobile Wallet (ApplePay, GooglePay, & Samsung Pay) all count towards transactions to receive points, so long as the transaction is processed by the merchant as a credit POS.

Will my old “CURewards” points transfer to the new Signal Rewards program?
Yes, all current “CURewards” points will convert over to the new Signal Rewards program.

Will the conversion of “CURewards” points apply to both credit and debit points?
All rewards points will automatically transfer to your new Signal Rewards account.

Do reward points expire?

Signal Reward points expire 3 years after the earn date.  The expiration date of points transferred from your LinkRewards/CURewards will be honored.


1 Signal Rewards, powered by uChoose, is free to members and there is no obligation for members to use their points, register on the rewards website, or participate in any way unless they choose to. There is no penalty for not participating in Signal Rewards. Signal Rewards points are valid for 3 years.  Transferred CURewards/LinkRewards points expiration of up to 5 years from earn date will be honored. Members must be “in good standing” to participate. “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 charge-offs of any SFFCU loans/shares
— No Shares with a Negative Balance
— No “Repeated NSF” warning flag

–  No more than 1 NSF in most recent 90-days

2 Signal Rewards, powered by uChoose, debit card rewards points are earned with each non-PIN transaction at a rate of one point for every $2 in purchases. PIN-based transactions do not earn rewards points.

3 Members with a Signal Platinum Visa card will earn Signal Rewards points, powered by uChoose. Earn 3 point for every $1 in purchases on airlines, hotels, and motels. Earn two points for every $1 in purchases at restaurants, grocery stores, and automated gasoline dispensers. 1 point for every $1 is a standard feature of the Platinum Visa credit and applies to all valid purchases made with a Platinum Visa credit card, subject to other restrictions, starting November 1, 2021. Signal Rewards points are valid for 3 years. In accordance with standard industry practices, merchants are assigned a merchant category code (MCC) typically based on their line of business, or the type of products and/or services they primarily sell or provide. Signal Financial FCU does not assign MCCs to merchants. Even if you make purchases at a merchant of items that appear to fit in a rewards category, the merchant may not have an assigned MCC in that rewards category. Reward categories, amounts, and benefits are subject to change at any time.