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Signal Financial Federal Credit Union

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Signal Financial Federal Credit Union Rates & Review November 2026

Q: What are the current interest rates at Signal Financial Federal Credit Union?

Current rates for Signal Financial Federal Credit Union include: 12-Month CD: 4.25%, 18-Month CD: 4.30%, 24-Month CD: 4.35%, 60-Month CD: 4.50%, Savings: 2.02%, MMA: 2.00%

Q: What CD terms does Signal Financial Federal Credit Union offer?

Signal Financial Federal Credit Union CD rates are 4.25% APY for a 12 month CD, 4.30% APY for an 18 month CD, 4.35% APY for a 2 year CD, 4.35% APY for a 3 year CD, 4.35% APY for a 4 year CD and 4.50% APY for a 5 year CD, verified by MonitorBankRates as of October 28, 2026. The institution may offer other terms or specials that are not listed here, so check with Signal Financial Federal Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 28, 2026

Signal Financial Federal Credit Union's 60 Month CDs rates are at 4.50%, 24 Month CDs rates are at 4.35%, 36 Month CDs rates are at 4.35%, 48 Month CDs rates are at 4.35%, 18 Month CDs rates are at 4.30%. Signal Financial Federal Credit Union's savings rates are at 2.02%. Signal Financial Federal Credit Union's money market rates are at 2.00%. Signal Financial Federal Credit Union's checking rates are as high as 0.08%. Signal Financial Federal Credit Union's Mortgage Loans - 5/1 ARM rates are at 6.57%, Mortgage Loans - 7/1 ARM rates are at 6.67%, Mortgage Loans - 30-year fixed rates are at 7.29%. Signal Financial Federal Credit Union's Personal Loan Rates are as low as 6.99%. Signal Financial Federal Credit Union's Credit Card Rates are at 18.00%. Signal Financial Federal Credit Union's CD rates are 30% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Signal Financial Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.25%. Rates last updated and verified on 10/28/2026.

Signal Financial Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Signal Financial Federal Credit Union? Share your experience about Signal Financial Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Signal Financial Federal Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

4.25%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

Signal Financial Federal Credit Union
Kensington

3015 University Blvd W
Kensington, MD 20895-1936

https://www.signalfinancialfcu.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Signal Financial Federal Credit Union CD Rates

Product	Rate	APY	Term
60 Month Share Certificates	4.40%	4.50%	60 Months
Min Deposit $500 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 4.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
24 Month Share Certificates	4.26%	4.35%	24 Months
Min Deposit $500 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 4.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
36 Month Share Certificates	4.26%	4.35%	36 Months
Min Deposit $500 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 4.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
48 Month Share Certificates	4.26%	4.35%	48 Months
Min Deposit $500 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 4.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
18 Month Share Certificates	4.21%	4.30%	18 Months
Min Deposit $500 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 4.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
12 Month Share Certificates	4.16%	4.25%	12 Months
Min Deposit $500 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 4.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
6 Month Share Certificates	3.75%	3.82%	6 Months
Min Deposit $500 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.82% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
30 Month Share Certificates	0.25%	0.25%	30 Months
Min Deposit $500 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 0.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
3 Month Share Certificates	0.02%	0.02%	3 Months
Min Deposit $500 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 0.02% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%

Signal Financial Federal Credit Union Business CD Rates

Product	Rate	APY	Term
Business Share Certificate - 60 month	4.40%	4.50%	60 Months
Min Deposit $500 Details Minimum balance of $500 required; Dividends compounded daily and credited monthly; Penalties apply for early withdrawal Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 4.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Business Share Certificate - 24 month	4.26%	4.35%	24 Months
Min Deposit $500 Details Minimum balance of $500 required; Dividends compounded daily and credited monthly; Penalties apply for early withdrawal Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 4.35% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Business Share Certificate - 36 month	4.26%	4.35%	36 Months
Min Deposit $500 Details Minimum balance of $500 required; Dividends compounded daily and credited monthly; Penalties apply for early withdrawal Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 4.35% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Business Share Certificate - 48 month	4.26%	4.35%	48 Months
Min Deposit $500 Details Minimum balance of $500 required; Dividends compounded daily and credited monthly; Penalties apply for early withdrawal Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 4.35% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Business Share Certificate - 18 month	4.21%	4.30%	18 Months
Min Deposit $500 Details Minimum balance of $500 required; Dividends compounded daily and credited monthly; Penalties apply for early withdrawal Last Updated 10/28/2026 Rate History 1 change since Oct 4, 2026 · 4.35% → 4.30% ▼ 0.05 pts · high 4.35% / low 4.30% Oct 12, 20264.30%▼ from 4.35% Oct 4, 20264.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Business Share Certificate - 12 month	4.16%	4.25%	12 Months
Min Deposit $500 Details Minimum balance of $500 required; Dividends compounded daily and credited monthly; Penalties apply for early withdrawal Last Updated 10/28/2026 Rate History 1 change since Oct 4, 2026 · 4.30% → 4.25% ▼ 0.05 pts · high 4.30% / low 4.25% Oct 12, 20264.25%▼ from 4.30% Oct 4, 20264.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Business Share Certificate - 6 month	3.75%	3.82%	6 Months
Min Deposit $500 Details Minimum balance of $500 required; Dividends compounded daily and credited monthly; Penalties apply for early withdrawal Last Updated 10/28/2026 Rate History 1 change since Oct 4, 2026 · 4.25% → 3.82% ▼ 0.43 pts · high 4.25% / low 3.82% Oct 12, 20263.82%▼ from 4.25% Oct 4, 20264.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Business Share Certificate - 30 month	0.25%	0.25%	30 Months
Min Deposit $500 Details Minimum balance of $500 required; Dividends compounded daily and credited monthly; Penalties apply for early withdrawal Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 0.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Business Share Certificate - 3 month	0.02%	0.02%	3 Months
Min Deposit $500 Details Minimum balance of $500 required; Dividends compounded daily and credited monthly; Penalties apply for early withdrawal Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 0.02% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%

Signal Financial Federal Credit Union Savings Rates

Product	Rate	APY
Signal Smart Plus Savings	2.00%	2.02%
Min Balance $0 Details Balance: $0 - $9,999.99; Qualifying balance up to $9,999.99; Enrollment in Signal Smart Plus required Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 2.02% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Signal Smart Savings	1.00%	1.01%
Min Balance $0 Details Balance: $0 - $9,999.99; Qualifying balance up to $9,999.99 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 1.01% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Additional Savings	0.03%	0.03%
Min Balance $0 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 0.03% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Bright Future Membership Savings (Ages 0-26)	0.03%	0.03%
Min Balance $5 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 0.03% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Holiday and Vacation Club	0.03%	0.03%
Min Balance $10 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 0.03% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
IRA Roth Savings	0.03%	0.03%
Min Balance $5 Details Balance: $5-$1,999.99 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 0.03% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
IRA Roth Savings	0.03%	0.03%
Min Balance $2,000 Details Balance: $2,000+ Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 0.03% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
IRA SEP Savings	0.03%	0.03%
Min Balance $5 Details Balance: $5-$1,999.99 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 0.03% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
IRA SEP Savings	0.03%	0.03%
Min Balance $2,000 Details Balance: $2,000+ Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 0.03% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
IRA Share	0.03%	0.03%
Min Balance $5 Details Balance: $5-$1,999.99 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 0.03% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
IRA Share	0.03%	0.03%
Min Balance $2,000 Details Balance: $2,000+ Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 0.03% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Membership Savings	0.03%	0.03%
Min Balance $5 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 0.03% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%

Signal Financial Federal Credit Union Business Savings Rates

Product	Rate	APY	View More
Business Savings Account	0.03%	0.03%
Min Balance $50 Details Minimum Balance to Earn Dividends: $50 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 0.03% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%

Signal Financial Federal Credit Union Money Market Rates

Product	Rate	APY
Premium Money Market	0.25%	0.25%
Min Balance $25,000 Details Balance: $25,000 and over Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Direct Money Market	0.13%	0.13%
Min Balance $0 Details Balance: $0 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 0.13% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Premium Money Market	0.13%	0.13%
Min Balance $0 Details Balance: $0 - $24,999.99 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 0.13% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Money Market	0.08%	0.08%
Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 0.08% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Money Market	0.05%	0.05%
Min Balance $20,000 Details Balance: $20,000 - $49,999.99 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Money Market	0.05%	0.05%
Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Money Market	0.03%	0.03%
Min Balance $2,500 Details Balance: $2,500 - $19,999.99 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 0.03% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Money Market	0.00%	0.00%
Min Balance $10 Details Balance: $10 - $2,499.99 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 0.08% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%

Signal Financial Federal Credit Union Business Money Market Rates

Product	Rate	APY
Business Money Market	2.00%	2.00%
Min Balance $1,000,000 Details Balance: $1,000,000+ Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 2.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Business Money Market	1.75%	1.75%
Min Balance $500,001 Details Balance: $500,001-$1,000,000 Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 1.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Business Money Market	1.50%	1.50%
Min Balance $250,001 Details Balance: $250,001-$500,000 Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 1.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Business Money Market	1.25%	1.25%
Min Balance $100,001 Details Balance: $100,001-$250,000 Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 1.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Business Money Market	1.00%	1.00%
Min Balance $25,001 Details Balance: $25,001-$100,000 Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 1.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Business Money Market	0.00%	0.00%
Min Balance $0 Details Balance: $0-$25,000 Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 0.08% → 1.00% ▲ 0.92 pts · high 1.00% / low 0.08% Oct 4, 20261.00%▲ from 0.08% Sep 14, 20260.08%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%

Signal Financial Federal Credit Union Checking Rates

Product	Rate	APY
Premium Checking	0.08%	0.08%
Min Balance $0 Details Balance: $0; Enrollment in a Premium Bundle is required to open a Premium Checking account Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 0.08% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Direct Checking	0.05%	0.05%
Min Balance $0 Details Balance: $0; Enrollment in a Direct Bundle is required to open a Direct Checking account Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Bright Future Checking	0.03%	0.03%
Min Balance $0 Details Balance: $0; Enrollment in a Signal Bright Future Membership Savings Account required to open additional Bright Future accounts Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 0.03% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Connect Checking	0.03%	0.03%
Min Balance $0 Details Balance: $0; Enrollment in Signal Smart Plus required to open Signal Smart Plus Checking account and Signal Smart Plus Savings account Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 0.03% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Signal Smart Checking	0.03%	0.03%
Min Balance $3,000 Details Balance: $3,000 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 0.03% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Signal Smart Plus Checking	0.03%	0.03%
Min Balance $0 Details Balance: $0; Enrollment in Signal Smart Plus required to open Signal Smart Plus Checking account and Signal Smart Plus Savings account Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 0.03% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Signal Smart Checking	0.00%	0.00%
Min Balance $0 Details Balance: $0-$2,999.99 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 0.03% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%

Signal Financial Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
Mortgage Loans - 5/1 ARM	6.57%	-	6.651%
Details Rates as of October 29, 2026; Rates apply to loans up to the current FHFA conforming loan limit Last Updated 10/28/2026 Rate History 2 changes since Sep 14, 2026 · 5.81% → 6.65% ▲ 0.84 pts · high 6.65% / low 5.81% Oct 15, 20266.65%▲ from 6.06% Oct 2, 20266.06%▲ from 5.81% Sep 14, 20265.81%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Mortgage Loans - 7/1 ARM	6.67%	-	6.751%
Details Rates as of October 29, 2026; Rates apply to loans up to the current FHFA conforming loan limit Last Updated 10/28/2026 Rate History 2 changes since Sep 14, 2026 · 5.94% → 6.75% ▲ 0.81 pts · high 6.75% / low 5.94% Oct 15, 20266.75%▲ from 6.19% Oct 2, 20266.19%▲ from 5.94% Sep 14, 20265.94%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Mortgage Loans - 30-year fixed	7.285%	-	7.37%	30 years
Details Rates as of October 29, 2026; Rates apply to loans up to the current FHFA conforming loan limit Last Updated 10/28/2026 Rate History 1 change since Oct 12, 2026 · 7.23% → 7.37% ▲ 0.14 pts · high 7.37% / low 7.23% Oct 28, 20267.37%▲ from 7.23% Oct 12, 20267.23%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%

Signal Financial Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR
Fixed-rate HELOC	-	-	7.00%
Details Minimum initial draw $100,000 Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75% Oct 2, 20267.00%▲ from 6.75% Sep 14, 20266.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Variable Rate HELOC	-	-	7.00%
Details Intro APR: 6.25% for first 3 months; Variable rate tied to WSJ Prime; Minimum initial draw $10,000; Maximum APR 18.00% Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75% Oct 2, 20267.00%▲ from 6.75% Sep 14, 20266.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%

Signal Financial Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Autos	-	-	4.99%	Up to 48 months
Details As Low As; APR for Signal Smart Plus members with automatic payments (includes 0.25% discount); add 0.25% APR for members not enrolled Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 4.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
New Autos	-	-	5.24%	Up to 60 months
Details As Low As; APR for Signal Smart Plus members with automatic payments (includes 0.25% discount); add 0.25% APR for members not enrolled Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 5.24% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Used Autos	-	-	5.49%	Up to 48 months
Details As Low As; APR for Signal Smart Plus members with automatic payments (includes 0.25% discount); add 0.25% APR for members not enrolled Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 5.49% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
New Autos	-	-	5.99%	Up to 72 months
Details As Low As; APR for Signal Smart Plus members with automatic payments (includes 0.25% discount); add 0.25% APR for members not enrolled; $5,000 minimum loan amount (minimum 580 credit score) Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 5.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Used Autos	-	-	5.99%	Up to 60 months
Details As Low As; APR for Signal Smart Plus members with automatic payments (includes 0.25% discount); add 0.25% APR for members not enrolled Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 5.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
New Autos	-	-	6.24%	Up to 84 months
Details As Low As; APR for Signal Smart Plus members with automatic payments (includes 0.25% discount); add 0.25% APR for members not enrolled; $15,000 minimum loan amount (minimum 660 credit score) Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 6.24% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Used Autos	-	-	6.24%	Up to 72 months
Details As Low As; APR for Signal Smart Plus members with automatic payments (includes 0.25% discount); add 0.25% APR for members not enrolled; $5,000 minimum loan amount (minimum 580 credit score) Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 6.24% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Used Autos	-	-	6.74%	Up to 84 months
Details As Low As; APR for Signal Smart Plus members with automatic payments (includes 0.25% discount); add 0.25% APR for members not enrolled; $15,000 minimum loan amount (minimum 660 credit score) Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 6.74% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%

Signal Financial Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New Motorcycles Loan	-	5.24%	Up to 48 months
Details As Low As; APR for Signal Smart Plus members with automatic payments (includes 0.25% discount); add 0.25% APR for members not enrolled; $2,000 minimum loan amount Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 5.24% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
New Motorcycles Loan	-	5.24%	Up to 60 months
Details As Low As; APR for Signal Smart Plus members with automatic payments (includes 0.25% discount); add 0.25% APR for members not enrolled; $2,000 minimum loan amount Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 5.24% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
New Motorcycles Loan	-	5.74%	Up to 72 months
Details As Low As; APR for Signal Smart Plus members with automatic payments (includes 0.25% discount); add 0.25% APR for members not enrolled; $15,000 minimum loan amount (minimum 660 credit score) for 67-72 month terms Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 5.74% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Used Motorcycles Loan	-	5.74%	Up to 48 months
Details As Low As; APR for Signal Smart Plus members with automatic payments (includes 0.25% discount); add 0.25% APR for members not enrolled; $2,000 minimum loan amount Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 5.74% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Used Motorcycles Loan	-	5.74%	Up to 60 months
Details As Low As; APR for Signal Smart Plus members with automatic payments (includes 0.25% discount); add 0.25% APR for members not enrolled; $2,000 minimum loan amount Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 5.74% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%

Signal Financial Federal Credit Union Credit Card Rates

Product	Rate	APR	View More
Secured VISA	-	18.00%
Details Regular APR: 18.00%; Balance Transfer Rate: Currently 18.00% APR; Balance Transfer Fee: $10 or 2.5% of the transfer (whichever is greater); Annual Fee: the first year, $25 per year thereafter (waived with $1,000.00 in transactions over 12 months); Foreign Transaction Fee: 1% of transaction amount Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 18.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%

Signal Financial Federal Credit Union Personal Loan Rates

Product	APR	Term
Signature Loan	6.99%	Up to 36 months
Details As Low As; Includes 0.25% Signal Smart Plus discount; add 0.25% for non-Smart Plus members Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 6.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Signature Loan	7.49%	37-48 months
Details As Low As; Includes 0.25% Signal Smart Plus discount; add 0.25% for non-Smart Plus members Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 7.49% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Signature Loan	7.99%	49-66 months
Details As Low As; Includes 0.25% Signal Smart Plus discount; add 0.25% for non-Smart Plus members Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 7.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%

Signal Financial Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Fresh Start Loan	-	-	18.00%	up to 30 months
Details As Low As; Must be a Signal Financial member with at least three months of direct deposits into Signal account; no Signal Smart Plus discount applies Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 18.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Line of Credit	-	-	16.70%	Open Ended
Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 16.70% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
SecuredVISA	-	-	18.00%
Details Annual Percentage Rate (APR) 18.00%; Balance Transfer Rate currently 18.00% APR Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 18.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Coverdell Education Savings	0.03%	-	0.03%
Min Balance $5 Details Balance: $5-$1,999.99 Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 0.03% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Coverdell Education Savings	0.03%	-	0.03%
Min Balance $2,000 Details Balance: $2000+ Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 0.03% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
IRA Certificate (Traditional, Roth, SEP and Coverdell ESA) - 12 Months	4.16%	-	4.25%	12 Months
Min Deposit $500 Details Minimum balance of $500 required; Penalties apply for early withdrawal Last Updated 10/28/2026 Rate History 2 changes since Sep 14, 2026 · 4.05% → 4.25% ▲ 0.20 pts · high 4.30% / low 4.05% Oct 15, 20264.25%▼ from 4.30% Oct 4, 20264.30%▲ from 4.05% Sep 14, 20264.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
IRA Certificate (Traditional, Roth, SEP and Coverdell ESA) - 18 Months	4.21%	-	4.30%	18 Months
Min Deposit $500 Details Minimum balance of $500 required; Penalties apply for early withdrawal Last Updated 10/28/2026 Rate History 2 changes since Sep 14, 2026 · 3.67% → 4.30% ▲ 0.63 pts · high 4.35% / low 3.67% Oct 15, 20264.30%▼ from 4.35% Oct 4, 20264.35%▲ from 3.67% Sep 14, 20263.67%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
IRA Certificate (Traditional, Roth, SEP and Coverdell ESA) - 24 Months	4.26%	-	4.35%	24 Months
Min Deposit $500 Details Minimum balance of $500 required; Penalties apply for early withdrawal Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 3.67% → 4.35% ▲ 0.68 pts · high 4.35% / low 3.67% Oct 4, 20264.35%▲ from 3.67% Sep 14, 20263.67%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
IRA Certificate (Traditional, Roth, SEP and Coverdell ESA) - 30 Months	0.25%	-	0.25%	30 Months
Min Deposit $500 Details Minimum balance of $500 required; Penalties apply for early withdrawal Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
IRA Certificate (Traditional, Roth, SEP and Coverdell ESA) - 36 Months	4.26%	-	4.35%	36 Months
Min Deposit $500 Details Minimum balance of $500 required; Penalties apply for early withdrawal Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 3.82% → 4.35% ▲ 0.53 pts · high 4.35% / low 3.82% Oct 4, 20264.35%▲ from 3.82% Sep 14, 20263.82%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
IRA Certificate (Traditional, Roth, SEP and Coverdell ESA) - 48 Months	4.26%	-	4.35%	48 Months
Min Deposit $500 Details Minimum balance of $500 required; Penalties apply for early withdrawal Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 3.82% → 4.35% ▲ 0.53 pts · high 4.35% / low 3.82% Oct 4, 20264.35%▲ from 3.82% Sep 14, 20263.82%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
IRA Certificate (Traditional, Roth, SEP and Coverdell ESA) - 60 Months	4.40%	-	4.50%	60 Months
Min Deposit $500 Details Minimum balance of $500 required; Penalties apply for early withdrawal Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 3.82% → 4.50% ▲ 0.68 pts · high 4.50% / low 3.82% Oct 4, 20264.50%▲ from 3.82% Sep 14, 20263.82%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Signal Financial Federal Credit Union’s Texas Ratio fell from 9.33% in Q3 2023 to 4.25% in Q2 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A to A+. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$364M	4.25%	5.0	A+
March 31, 2026	$369M	3.10%	5.0	A+
December 31, 2025	$381M	5.63%	5.0	A+
September 30, 2025	$372M	3.40%	5.0	A+
June 30, 2025	$375M	4.03%	5.0	A+
March 31, 2025	$392M	4.30%	5.0	A+
December 31, 2024	$392M	6.25%	5.0	A
September 30, 2024	$412M	7.31%	5.0	A
June 30, 2024	$408M	7.61%	5.0	A
March 31, 2024	$411M	7.43%	5.0	A
December 31, 2023	$410M	11.02%	5.0	A
September 30, 2023	$404M	9.33%	5.0	A

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Signal Financial Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Signal Financial Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Signal Financial Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Signal Financial Federal Credit Union

Website https://www.signalfinancialfcu.org

Address 3015 University Blvd W, Kensington, MD 20895-1936

Phone 301-933-9100

Fax 301-949-3766

President Jonathan Morrison

CEO Ken Cahoon

Full-Time Employees 83

Part-Time Employees 0

Branch Locations 4

ATM Locations 4

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

4.25%

Return on Assets (ROA)

-0.0711%

Return on Equity (ROE)

-0.7606%

Non-Performing Loans Ratio (NPL)

0.53%

Total Assets

363,890,681

Total Amount of Shares and Deposits

325,047,833

Total Shares and Deposits < 1 Year

309,064,287

Total Shares and Deposits 1 3 Years

6,958,031

Total Shares and Deposits > 3 Years

9,025,513

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

29,250,000

Total Uninsured Shares and Deposits > $250K (F+J)

29,250,000

Total Insured Shares and Deposits > $250K (item 17 less item K)

295,797,833

Total Interest Expense (Sum of items 6 8)

2,175,366

Share Certificates

2,679

Number of Accounts for Share Drafts

11,619

IRA KEOGH Accounts

1,022

Number of Accounts for Regular Shares

24,214

Money Market Shares

1,593

Net Income (unless the amount is already included in Undivided Earnings)

-174,296

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

8,662,825

Total Liabilities

336,631,285

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Signal Financial Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Signal Financial Federal Credit Union

Frequently Asked Questions About Signal Financial Federal Credit Union

Does Signal Financial Federal Credit Union offer CDs?

Yes. Signal Financial Federal Credit Union current CD rates include its 60 Month CDs at 4.50% APY, its 24 Month CDs at 4.35% APY and its 36 Month CDs at 4.35% APY, verified by MonitorBankRates as of October 28, 2026.

Are CDs from Signal Financial Federal Credit Union NCUA insured?

Yes. Signal Financial Federal Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Signal Financial Federal Credit Union?

The highest Signal Financial Federal Credit Union CD rate is its 60 Month CDs at 4.50% APY, verified by MonitorBankRates as of October 28, 2026.

What CD terms does Signal Financial Federal Credit Union offer?

Signal Financial Federal Credit Union CD rates are 4.25% APY for a 12 month CD, 4.30% APY for an 18 month CD, 4.35% APY for a 2 year CD, 4.35% APY for a 3 year CD, 4.35% APY for a 4 year CD and 4.50% APY for a 5 year CD, verified by MonitorBankRates as of October 28, 2026. The institution may offer other terms or specials that are not listed here, so check with Signal Financial Federal Credit Union for its full lineup.

What is the highest savings rate at Signal Financial Federal Credit Union?

The highest Signal Financial Federal Credit Union savings rate is its Signal Smart Plus Savings at 2.02% APY, verified by MonitorBankRates as of October 28, 2026.

What is the highest money market rate at Signal Financial Federal Credit Union?

The highest Signal Financial Federal Credit Union money market rate is its Business Money Market at 2.00% APY, verified by MonitorBankRates as of October 28, 2026.

What is the highest checking rate at Signal Financial Federal Credit Union?

The highest Signal Financial Federal Credit Union checking rate is its Premium Checking at 0.08% APY, verified by MonitorBankRates as of October 28, 2026.

What is the lowest 30 year fixed mortgage rate at Signal Financial Federal Credit Union?

The lowest Signal Financial Federal Credit Union 30 year fixed mortgage rate is its Mortgage Loans - 30-year fixed at 7.285%, verified by MonitorBankRates as of October 28, 2026. Signal Financial Federal Credit Union mortgage rates are 7.285% for a 30 year mortgage, 6.57% for a 5/1 ARM and 6.67% for a 7/1 ARM.

What is the lowest auto loan rate at Signal Financial Federal Credit Union?

The lowest Signal Financial Federal Credit Union auto loan rate is its New Autos at 4.99% APR, verified by MonitorBankRates as of October 28, 2026.

What is the lowest personal loan rate at Signal Financial Federal Credit Union?

The lowest Signal Financial Federal Credit Union personal loan rate is its Signature Loan at 6.99% APR, verified by MonitorBankRates as of October 28, 2026.

What is the lowest credit card APR at Signal Financial Federal Credit Union?

The lowest Signal Financial Federal Credit Union credit card APR is its Secured VISA Credit Card at 18.00% APR, verified by MonitorBankRates as of October 28, 2026.

How many branches does Signal Financial Federal Credit Union operate?

Signal Financial Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Signal Financial Federal Credit Union?

Yes, to access services at Signal Financial Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Signal Financial Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Signal Financial Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Signal Financial Federal Credit Union offer online and mobile banking?

Most modern institutions like Signal Financial Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.signalfinancialfcu.org.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Signal Financial Federal Credit Union rates compare?

Signal Financial Federal Credit Union's CD rates are 30% higher than the MonitorBankRates national average, and it has an A+ health rating. Signal Financial Federal Credit Union's top rates are its 60 Month CDs at 4.50% APY, its Signal Smart Plus Savings at 2.02% APY, its Business Money Market at 2.00% APY, its Premium Checking at 0.08% APY, its Mortgage Loans - 5/1 ARM at 6.57%, its Signature Loan at 6.99% APR and its Secured VISA Credit Card at 18.00% APR, verified by MonitorBankRates on October 28, 2026.

Current Signal Financial Federal Credit Union Rates

12-Month CD4.25%
18-Month CD4.30%
24-Month CD4.35%
60-Month CD4.50%
Savings2.02%
MMA2.00%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

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Signal Financial Federal Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Signal Financial Federal Credit Union Texas Ratio

Signal Financial Federal Credit Union Health Trend

Signal Financial Federal Credit Union CD Rates

Signal Financial Federal Credit Union Business CD Rates

Signal Financial Federal Credit Union Savings Rates

Signal Financial Federal Credit Union Business Savings Rates

Signal Financial Federal Credit Union Money Market Rates

Signal Financial Federal Credit Union Business Money Market Rates

Signal Financial Federal Credit Union Checking Rates

Signal Financial Federal Credit Union Mortgage Rates

Signal Financial Federal Credit Union Home Equity & HELOC

Signal Financial Federal Credit Union Auto Loan Rates

Signal Financial Federal Credit Union RV, Boat and Powersport Loan Rates

Signal Financial Federal Credit Union Credit Card Rates

Signal Financial Federal Credit Union Personal Loan Rates

Signal Financial Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Signal Financial Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Signal Financial Federal Credit Union

Does Signal Financial Federal Credit Union offer CDs?

Are CDs from Signal Financial Federal Credit Union NCUA insured?

What is the highest CD rate at Signal Financial Federal Credit Union?

What CD terms does Signal Financial Federal Credit Union offer?

What is the highest savings rate at Signal Financial Federal Credit Union?

What is the highest money market rate at Signal Financial Federal Credit Union?

What is the highest checking rate at Signal Financial Federal Credit Union?

What is the lowest 30 year fixed mortgage rate at Signal Financial Federal Credit Union?

What is the lowest auto loan rate at Signal Financial Federal Credit Union?

What is the lowest personal loan rate at Signal Financial Federal Credit Union?

What is the lowest credit card APR at Signal Financial Federal Credit Union?

How many branches does Signal Financial Federal Credit Union operate?

Is a member application needed to join Signal Financial Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Signal Financial Federal Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Signal Financial Federal Credit Union rates compare?

Current Signal Financial Federal Credit Union Rates

Compare to Other Credit Unions