Your Lifestyle, Your Rewards

1 Signal Rewards, powered by uChoose, is free to members and there is no obligation for members to use their points, register on the rewards website, or participate in any way unless they choose to. There is no penalty for not participating in Signal Rewards. Signal Rewards points are valid for 3 years. Transferred CURewards/LinkRewards points expiration of up to 5 years from earn date will be honored. Members must be “in good standing” to participate. “Good Standing” is defined as:

• No Signal Financial obligations (e.g. mortgage, loan, line of credit, credit card, etc.) currently Past Due more than 15 days
• No charge-offs of any Signal Financial loans/shares
• No Shares with a Negative Balance
• No “Repeated NSF” warning flag
• No more than 1 NSF in most recent 90-days

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

3 3% total cash back will be earned on transactions made with airlines, hotels, and motels starting November 1, 2021. 2% total cash back will be earned on transactions at restaurants, grocery stores, and automated gasoline dispensers starting November 1, 2021. 1% cash back is a standard feature of the Signature Visa credit card and applies to all valid purchases made with a Signature Visa credit card, subject to other restrictions, starting November 1, 2021. In accordance with standard industry practices, merchants are assigned a merchant category code (MCC) typically based on their line of business, or the type of products and/or services they primarily sell or provide. Signal Financial FCU does not assign MCCs to merchants. Even if you make purchases at a merchant of items that appear to fit in a rewards category, the merchant may not have an assigned MCC in that rewards category. Cash back can be manually redeemed via online banking. When cash back is posted as a statement credit, it is not considered a credit card payment.

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

5 Signature and Direct credit cards cannot be linked.