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%

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Signal Financial Federal Credit Union

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Signal Financial Federal Credit Union Rates & Review October 2026

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 12, 2026

Signal Financial Federal Credit Union's top rates as of October 12, 2026 are 4.50% APY on its Business CDs - 60 month CD, 2.02% APY on savings, 2.00% APY on money market accounts, 0.08% APY on checking, 6.00% on its 5/1 ARM mortgage, personal loans from 6.99% APR, and credit cards from 12.25% APR, according to rates verified by MonitorBankRates. Other Signal Financial Federal Credit Union CD rates include CDs - 60 month at 4.50%, Business CDs - 24 month at 4.35%, and Business CDs - 36 month at 4.35%. Other Signal Financial Federal Credit Union mortgage rates include 5/1 ARM at 6.06%, Mortgage Loans - 7/1 ARM at 6.12%, and Mortgage Loans - 30-year fixed at 7.15%. 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 10/12/2026.

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 Q2 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
Share Certificates - 60 month	4.40%	4.50%	60 Months
Min Deposit $500 Last Updated 10/12/2026 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%
Share Certificates - 24 month	4.26%	4.35%	24 Months
Min Deposit $500 Last Updated 10/12/2026 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%
Share Certificates - 36 month	4.26%	4.35%	36 Months
Min Deposit $500 Last Updated 10/12/2026 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%
Share Certificates - 48 month	4.26%	4.35%	48 Months
Min Deposit $500 Last Updated 10/12/2026 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%
Share Certificates - 18 month	4.21%	4.30%	18 Months
Min Deposit $500 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 3.67% → 4.30% ▲ 0.63 pts · high 4.30% / low 3.67% Oct 4, 20264.30%▲ from 3.67% Sep 14, 20263.67%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Share Certificates - 12 month	4.16%	4.25%	12 Months
Min Deposit $500 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 4.05% → 4.25% ▲ 0.20 pts · high 4.25% / low 4.05% Oct 4, 20264.25%▲ from 4.05% Sep 14, 20264.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Share Certificates - 6 month	3.75%	3.82%	6 Months
Min Deposit $500 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.82% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Share Certificates - 30 month	0.25%	0.25%	30 Months
Min Deposit $500 Last Updated 10/12/2026 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%
Share Certificates - 3 month	0.02%	0.02%	3 Months
Min Deposit $500 Last Updated 10/12/2026 Rate History No change since Sep 14, 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 Business CD Rates

Product	Rate	APY	Term
Business Share Certificates - 60 month	4.40%	4.50%	60 Months
Min Deposit $500 Details Penalties apply for early withdrawal Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 4.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Business Share Certificates - 24 month	4.26%	4.35%	24 Months
Min Deposit $500 Details Penalties apply for early withdrawal Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 4.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Business Share Certificates - 36 month	4.26%	4.35%	36 Months
Min Deposit $500 Details Penalties apply for early withdrawal Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 4.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Business Share Certificates - 48 month	4.26%	4.35%	48 Months
Min Deposit $500 Details Penalties apply for early withdrawal Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 4.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Business Share Certificates - 18 month	4.21%	4.30%	18 Months
Min Deposit $500 Details Penalties apply for early withdrawal Last Updated 10/12/2026 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 Certificates - 12 month	4.16%	4.25%	12 Months
Min Deposit $500 Details Penalties apply for early withdrawal Last Updated 10/12/2026 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 Certificates - 6 month	3.75%	3.82%	6 Months
Min Deposit $500 Details Penalties apply for early withdrawal Last Updated 10/12/2026 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 Certificates - 30 month	0.25%	0.25%	30 Months
Min Deposit $500 Details Penalties apply for early withdrawal Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 0.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Business Share Certificates - 3 month	0.02%	0.02%	3 Months
Min Deposit $500 Details Penalties apply for early withdrawal Last Updated 10/12/2026 Rate History No change since Oct 4, 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 Savings Rates

Product	Rate	APY
Signal Smart Plus Savings	2.00%	2.02%
Min Balance $0 Details Balance: $0 - $9,999.99 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 2.02% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Signal Smart Plus Savings	-	1.71%
Min Balance $10,000 Details Balance: $10,000 - $24,999.99 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 1.71% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Signal Smart Plus Savings	-	1.36%
Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 1.36% APY · checked 4 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; Tiered savings account with no minimum account balance required Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 1.01% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Signal Smart Plus Savings	0.50%	0.50%
Min Balance $100,000 Details Balance: $100,000+ Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Signal Smart Savings	-	0.40%
Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.40% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Signal Smart Savings	-	0.33%
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.33% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Signal Smart Savings	0.25%	0.25%
Min Balance $100,000 Details Balance: $100,000+ Last Updated 10/12/2026 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%
Additional Savings	0.03%	0.03%
Min Balance $0 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.03% APY · checked 5 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 10/12/2026 Rate History No change since Sep 14, 2026 · 0.03% APY · checked 4 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 10/12/2026 Rate History No change since Sep 14, 2026 · 0.03% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
IRA Share, IRA Roth Savings, and IRA SEP Savings	0.03%	0.03%
Min Balance $5 Details Balance: $5-$1,999.99 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 0.03% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
IRA Share, IRA Roth Savings, and IRA SEP Savings	0.03%	0.03%
Min Balance $2,000 Details Balance: $2,000+ Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.03% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Membership Savings	0.03%	0.03%
Min Balance $5 Details Minimum balance to earn dividends: $5 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.03% APY · checked 5 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 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.03% APY · checked 5 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+ Last Updated 10/12/2026 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%
Direct Money Market	0.13%	0.13%
Min Balance $0 Details Balance: $0 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.13% APY · checked 5 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 10/12/2026 Rate History No change since Sep 25, 2026 · 0.13% APY · checked 4 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+ Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.08% APY · checked 5 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 - $49999.99 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.05% APY · checked 4 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 - $99999 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.05% APY · checked 4 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 10/12/2026 Rate History No change since Sep 25, 2026 · 0.03% APY · checked 4 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 10/12/2026 Rate History No change since Oct 4, 2026 · 2.00% APY · checked 3 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 10/12/2026 Rate History No change since Oct 4, 2026 · 1.75% APY · checked 3 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 10/12/2026 Rate History No change since Oct 4, 2026 · 1.50% APY · checked 3 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 10/12/2026 Rate History No change since Oct 4, 2026 · 1.25% APY · checked 3 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 10/12/2026 Rate History No change since Oct 4, 2026 · 1.00% APY · checked 3 times 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 Enrollment in a Premium Bundle required to open a Premium Checking account Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.08% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Direct Checking	0.05%	0.05%
Min Balance $0 Details Enrollment in a Direct Bundle required to open a Direct Checking account Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 5 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 Enrollment in a Signal Bright Future Membership Savings Account required to open additional Bright Future accounts Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.03% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Connect Checking	0.03%	0.03%
Min Balance $0 Details Enrollment in Signal Smart Plus required to open Signal Smart Plus Checking account Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.03% APY · checked 5 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 10/12/2026 Rate History No change since Sep 14, 2026 · 0.03% APY · checked 4 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 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.03% APY · checked 5 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
5/1 ARM	-	-	6.06%
Details Today's Rates section; 5/1 adjustable-rate mortgage; rates as of October 12, 2026 Last Updated 10/12/2026 Rate History No change since Oct 2, 2026 · 6.06% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Mortgage Loans - 5/1 ARM	6.00%	-	6.06%
Details Rates as of October 12, 2026; subject to credit approval; rates apply to loans up to the current FHFA conforming loan limit Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 5.81% → 6.06% ▲ 0.25 pts · high 6.06% / low 5.81% 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	6.125%	-	6.19%
Details Rates as of October 12, 2026; subject to credit approval; rates apply to loans up to the current FHFA conforming loan limit Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 5.94% → 6.19% ▲ 0.25 pts · high 6.19% / low 5.94% 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	7.15%	-	7.234%	30 years
Details Rates as of October 12, 2026; subject to credit approval; rates apply to loans up to the current FHFA conforming loan limit Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 7.23% APR 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; Owner-occupied primary residence only; Higher rates apply for CLTV greater than 80% Last Updated 10/12/2026 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; Index: WSJ Prime (currently 7.00% as of October 12, 2026) plus margin; Margin 0.50% for CLTV 80%-90%; Margin 1.25% for CLTV greater than 90%; Maximum APR 18.00%; Minimum initial draw $10,000; Owner-occupied primary residence only Last Updated 10/12/2026 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
Auto Loans	-	-	4.99%
Details Today's Rates section; rates as of October 12, 2026 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 4.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
New Autos	-	-	4.99%	Up to 48 months
Details As Low As; Rates as of October 12, 2026; Signal Smart Plus with automatic payments; add 0.25% APR for members not enrolled; minimum loan $5,000 (minimum 580 credit score) Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 4.99% APR · checked 5 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; Rates as of October 12, 2026; Signal Smart Plus with automatic payments; add 0.25% APR for members not enrolled; minimum loan $5,000 (minimum 580 credit score) Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 5.24% APR · checked 5 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; Rates as of October 12, 2026; Signal Smart Plus with automatic payments; add 0.25% APR for members not enrolled; minimum loan $5,000 (minimum 580 credit score) Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 5.49% APR · checked 5 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; Rates as of October 12, 2026; Signal Smart Plus with automatic payments; add 0.25% APR for members not enrolled; minimum loan $5,000 (minimum 580 credit score) Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 5.99% APR · checked 5 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; Rates as of October 12, 2026; Signal Smart Plus with automatic payments; add 0.25% APR for members not enrolled; minimum loan $5,000 (minimum 580 credit score) Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 5.99% APR · checked 5 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; Rates as of October 12, 2026; Signal Smart Plus with automatic payments; add 0.25% APR for members not enrolled; terms 72-84 months minimum loan $15,000 (minimum 660 credit score) Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 6.24% APR · checked 5 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; Rates as of October 12, 2026; Signal Smart Plus with automatic payments; add 0.25% APR for members not enrolled; minimum loan $5,000 (minimum 580 credit score) Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 6.24% APR · checked 5 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; Rates as of October 12, 2026; Signal Smart Plus with automatic payments; add 0.25% APR for members not enrolled; terms 72-84 months minimum loan $15,000 (minimum 660 credit score) Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 6.74% APR · checked 5 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; Rates as of October 12, 2026; Signal Smart Plus with automatic payments; add 0.25% APR for members not enrolled; minimum loan $2,000 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 5.24% APR · checked 5 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; Rates as of October 12, 2026; Signal Smart Plus with automatic payments; add 0.25% APR for members not enrolled; minimum loan $2,000 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 5.24% APR · checked 5 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; Rates as of October 12, 2026; Signal Smart Plus with automatic payments; add 0.25% APR for members not enrolled; terms 67-72 months minimum loan $15,000 (minimum 660 credit score) Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 5.74% APR · checked 5 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; Rates as of October 12, 2026; Signal Smart Plus with automatic payments; add 0.25% APR for members not enrolled; minimum loan $2,000 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 5.74% APR · checked 5 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; Rates as of October 12, 2026; Signal Smart Plus with automatic payments; add 0.25% APR for members not enrolled; minimum loan $2,000 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 5.74% APR · checked 5 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
Direct VISA	-	12.25%
Details Published APR range: 12.25%-18.00%. Intro rate expires: 12 months; Regular APR: 12.25%-18.00% (variable, depending on creditworthiness); Introductory APR applies to purchases and balance transfers; Balance Transfer Rate: 0% APR for the first 12 months after card opening, then reverts to card rate Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 12.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
PlatinumVISA	-	13.25%
Details Published APR range: 13.25% - 18.00%. Intro rate expires: 12 months; Regular APR: 13.25% - 18.00% (variable; depending on creditworthiness); Intro applies to purchases and balance transfers Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 13.25% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
VISA Platinum	-	13.25%
Details Published APR range: 13.25% - 18.00%. Intro rate expires: 12 months; Regular APR: 13.25% - 18.00% (Variable; depending on creditworthiness); 0% APR for the first 12 months after card opening on purchases and balance transfers, then reverts to card rate Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 13.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
SignatureVISA	-	14.25%
Details Published APR range: 14.25% - 18.00%. Intro rate expires: 12 months; Regular APR: 14.25% - 18.00% (variable, depending on creditworthiness); Intro applies to purchases and balance transfers Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 14.25% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
VISA Signature	-	14.25%
Details Published APR range: 14.25% - 18.00%. Intro rate expires: 12 months; Regular APR: 14.25% - 18.00% (Variable, depending on creditworthiness); 0% APR for the first 12 months after card opening on purchases and balance transfers, then reverts to card rate Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 14.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Secured VISA	-	18.00%
Details Balance Transfer Rate: Currently 18.00% APR Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 18.00% APR · checked 3 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; Signal Smart Plus members receive 0.25% discount; non-members add 0.25% Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 6.99% APR · checked 5 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; Signal Smart Plus members receive 0.25% discount; non-members add 0.25% Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 7.49% APR · checked 5 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; Signal Smart Plus members receive 0.25% discount; non-members add 0.25% Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 7.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
SignatureVISA	14.25%
Details Published APR range: 14.25% - 18.00%. Intro rate expires: 12 months; Regular APR: 14.25% - 18.00% (variable, depending on creditworthiness); Intro applies to purchases and balance transfers Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 14.25% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
VISA Signature	14.25%
Details Published APR range: 14.25% - 18.00%. Intro rate expires: 12 months; Regular APR: 14.25% - 18.00% (Variable, depending on creditworthiness); 0% APR for the first 12 months after card opening on purchases and balance transfers, then reverts to card rate Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 14.25% APR 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
DirectVISA	-	-	12.25%
Details Published APR range: 12.25% - 18.00%. Intro rate expires: 12 months; Regular APR: 12.25%-18.00% (variable, depending on creditworthiness); Intro applies to purchases and balance transfers Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 12.25% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Fresh Start Loan	-	-	18.00%	up to 30 months
Details As Low As; Requires Signal Financial membership and at least three months of direct deposits into Signal account Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 18.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Line of Credit	-	-	16.70%	Open Ended
Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 16.70% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
SecuredVISA	-	-	18.00%
Details Balance Transfer Rate: Currently 18.00% APR Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 18.00% APR · checked 4 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 10/12/2026 Rate History No change since Oct 4, 2026 · 0.03% APY · checked 3 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 10/12/2026 Rate History No change since Sep 14, 2026 · 0.03% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Traditional IRA Certificates - 12 Months	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; Membership required; IRA Certificates(Traditional, Roth, SEP and Coverdell ESA) Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 4.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Traditional IRA Certificates - 18 Months	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; Membership required; IRA Certificates(Traditional, Roth, SEP and Coverdell ESA) Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 4.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Traditional IRA Certificates - 24 Months	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; Membership required; IRA Certificates(Traditional, Roth, SEP and Coverdell ESA) Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 4.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Traditional IRA Certificates - 30 Months	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; Membership required; IRA Certificates(Traditional, Roth, SEP and Coverdell ESA) Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Traditional IRA Certificates - 36 Months	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; Membership required; IRA Certificates(Traditional, Roth, SEP and Coverdell ESA) Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 4.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Traditional IRA Certificates - 48 Months	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; Membership required; IRA Certificates(Traditional, Roth, SEP and Coverdell ESA) Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 4.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Traditional IRA Certificates - 60 Months	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; Membership required; IRA Certificates(Traditional, Roth, SEP and Coverdell ESA) Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 4.50% APY · checked 2 times 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

Q2 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 Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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       width="160" height="160">
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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 Signal Financial Federal Credit Union

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.

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

Signal Financial Federal Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

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Signal Financial Federal Credit Union Texas Ratio

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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

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?

Current Signal Financial Federal Credit Union Rates

Compare to Other Credit Unions