What are the current interest rates at Signet Federal Credit Union?

Current rates for Signet Federal Credit Union include: Savings: 0.40%

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Signet Federal Credit Union

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Signet Federal Credit Union Rates & Review September 2026

Q: Is a member application needed to join Signet Federal Credit Union?

Yes, to access services at Signet 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.

Q: Are credit management and repair services offered?

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

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 21, 2026

Signet Federal Credit Union's savings rates are at 0.40%. Signet Federal Credit Union's Auto Loan Rates are as low as 3.30%. Signet Federal Credit Union's Credit Card Rates are at 11.40%. MonitorBankRates evaluates the financial stability of Signet Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.61%. Rates last updated and verified on 09/21/2026.

Signet 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 Signet Federal Credit Union? Share your experience about Signet Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Signet 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

3.61%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Signet Federal Credit Union
Main

163 Pecan CT
Paducah, KY 42001

https://www.signetfcu.com

Signet Federal Credit Union Savings Rates

Product	Rate	APY
Health Savings	1.25%	1.25%
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%
Regular & Special Savings	1.25%	1.25%
Min Balance $100,000 Details Balance: $100,000 and above Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%
Regular & Special Savings	1.10%	1.10%
Min Balance $25,000 Details Balance: $25,000.01 - 99,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%
Regular & Special Savings	0.95%	0.95%
Min Balance $10,000 Details Balance: $10,000.01 - 25,000.00 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%
Regular & Special Savings	0.50%	0.50%
Min Balance $5,000 Details Balance: $5,000.01 - 10,000.00 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%
Christmas Savings	0.40%	0.40%
Min Balance $5 Details Balance: $5.00 and above Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%
Regular & Special Savings	0.40%	0.40%
Min Balance $5 Details Balance: $5.00 - 5,000.00 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%
Vacation Savings	0.40%	0.40%
Min Balance $5 Details Balance: $5.00 and above Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%

Signet Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR
New-2023 Auto	-	-	3.30%
Details As low as; Credit score, vehicle age, mileage, and loan term will determine final rate. Other terms and conditions may apply. APR on new loans less than $5,000 will be 1% higher. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%
2022-2019 Auto	-	-	4.75%
Details Credit score, vehicle age, mileage, and loan term will determine final rate. Other terms and conditions may apply. APR on new loans less than $5,000 will be 1% higher. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%
2018-2015 Auto	-	-	5.50%
Details Credit score, vehicle age, mileage, and loan term will determine final rate. Other terms and conditions may apply. APR on new loans less than $5,000 will be 1% higher. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%
2014-Older Auto	-	-	6.25%
Details Credit score, vehicle age, mileage, and loan term will determine final rate. Other terms and conditions may apply. APR on new loans less than $5,000 will be 1% higher. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%

Signet Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term	View More
Recreational Loan	-	6.46%
Details as low as * Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%

Signet Federal Credit Union Credit Card Rates

Product	Rate	APR	View More
Credit Card	-	11.40%
Details as low as * Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%

Signet Federal Credit Union Other Rates

Product	Rate	Points	APY/APR
Home Loan	-	-	5.85%
Details as low as * Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%
IRAs - Variable Rate	1.25%	-	1.25%
Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%

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

Signet Federal Credit Union’s Texas Ratio rose from 1.74% in Q2 2023 to 3.61% in Q1 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold 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 Grade

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
March 31, 2026	$390M	3.61%	5.0	A+
December 31, 2025	$375M	3.38%	5.0	A+
September 30, 2025	$368M	2.98%	5.0	A+
June 30, 2025	$375M	3.38%	5.0	A+
March 31, 2025	$370M	2.64%	5.0	A+
December 31, 2024	$357M	2.56%	5.0	A+
September 30, 2024	$355M	2.27%	5.0	A+
June 30, 2024	$349M	2.06%	5.0	A+
March 31, 2024	$341M	2.32%	5.0	A+
December 31, 2023	$343M	2.37%	5.0	A+
September 30, 2023	$339M	1.92%	5.0	A+
June 30, 2023	$335M	1.74%	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 Signet 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 Signet 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 Signet Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Signet Federal Credit Union

Website https://www.signetfcu.com

Address 163 Pecan CT, Paducah, KY 42001

Phone 270-443-5261

Fax 270-443-6148

President Greg Widmer

CEO Jimmilyn Hancock

Full-Time Employees 47

Part-Time Employees 12

Branch Locations 5

ATM Locations 5

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

3.61%

Return on Assets (ROA)

0.2931%

Return on Equity (ROE)

1.7524%

Non-Performing Loans Ratio (NPL)

1.07%

Total Assets

389,612,770

Total Amount of Shares and Deposits

323,290,009

Total Shares and Deposits < 1 Year

306,076,232

Total Shares and Deposits 1 3 Years

17,213,775

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

31,000,107

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

31,000,107

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

292,289,902

Total Interest Expense (Sum of items 6 8)

1,451,744

Share Certificates

2,219

Number of Accounts for Share Drafts

9,608

IRA KEOGH Accounts

869

Number of Accounts for Regular Shares

23,508

All other shares

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)

26,473,859

Total Liabilities

324,611,975

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Signet 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 — no need to download or upload anything.

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

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Signet Federal Credit Union

How many branches does Signet Federal Credit Union operate?

Signet 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 Signet Federal Credit Union?

Yes, to access services at Signet 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, Signet 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, Signet Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Signet Federal Credit Union offer online and mobile banking?

Most modern institutions like Signet 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.signetfcu.com.