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Our Rates

Vehicle Loan Rates

Product Up to 48 months1
APR2 as low as		 Up to 60 months1
APR2 as low as		 Up to 72 months1
APR2 as low as		 Up to 84 months1
APR2 as low as
New Autos3 6.24% 6.24% 6.24% 6.99%
Used Autos4 6.49% 6.49% 6.49% 7.24%
New Motorcycles5 6.24% 6.24% 6.24% Not Available
Used Motorcycles6 6.74% 6.74% Not Available Not Available
Product Up to 48 months1
APR2 as low as		 Up to 60 months1
APR2 as low as
New Autos3 6.24% 6.24%
Used Autos4 6.49% 6.49%
New Motorcycles5 6.24% 6.24%
Used Motorcycles6 6.74% 6.74%
Product Up to 72 months1
APR2 as low as		 Up to 84 months1
APR2 as low as
New Autos3 6.24% 6.99%
Used Autos4 6.49% 7.24%
New Motorcycles5 6.24% Not Available
Used Motorcycles6 Not Available Not Available

Rates as of December 20, 2024.

1 Terms up to 72 months for new and used auto loans: $5,000 minimum loan amount (minimum 580 credit score). Terms between 72 and 84 months for new and used auto loans: $15,000 minimum loan amount (minimum 660 credit score). Terms up to 66 months for new and used motorcycle loans: $2,000 minimum loan amount. Terms between 67 and 72 months for new and used motorcycle loans: $15,000 minimum loan amount (minimum 660 credit score).

2 APR=Annual Percentage Rate. The APR shown above reflects the current minimum APR offered to qualified members enrolled in Signal Smart Plus and have automatic payments from a Signal account, which results in a 0.25% APR discount. For members not enrolled in Signal Smart Plus, add 0.25% APR to the above advertised rates. Plus discounts do not apply to internal Signal Financial loan refinances. The APR may be adjusted based on individual credit standing, term loan-to-value, debt-to-income ratio, aggregate credit score, and term. If a $25,000 new auto loan was taken out at 6.49% APR the lowest rate available to members not in Signal Smart Plus for 48 months, the monthly payment would be $592.73. If a $25,000 new auto loan was taken out at 6.24% APR the lowest possible rate after the 0.25% Signal Smart Plus discount for 48 months, the monthly payment would be $589.85. Maximum financed amount is determined by your credit score and down payment may be required. Please apply or contact a Credit Union representative to determine the rate and term for which you qualify. Not all applicants will qualify or qualify for the lowest rate. Rates and terms are subject to change at any time without notice.

3 Fully available on vehicles that have never been titled and secured up to 120% financing of net discount price plus taxes, tags, GAP insurance and extended warranty. New Auto rates apply to 2023-2025 model year vehicles with fewer than 5,000 miles that has never been titled. Finance amount is determined by your credit score. Down payment may be required. Not all applicants will qualify for the lowest rate. Rates and terms subject to change at any time without notice.

4 Used Auto rates apply to model years 2016-2023. Older models and “Classic” or “Antique” vehicles will be considered on an exception basis and require approval from Consumer Lending. Financing available on amounts up to NADA retail value for 2016-2023 model vehicles that have been previously titled. Used auto rates apply to new money loans. Refinances of current Signal Financial FCU loans do not qualify for any discounted rates or promotions (new balance must be less than or equal to the NADA Clean Retail Value of the vehicle). Finance amount is determined by your credit score; term dependent on model year of auto. Down payment may be required. Not all applicants will qualify for the lowest rate. Rates and terms subject to change at any time without notice. Will not finance vehicles that are being sold “As Is” by the dealership.

5 New motorcycle rates apply to 2023-2025 model year vehicles with fewer than 5,000 miles. Financing available on amounts up to 100% of the purchase price (plus tax, tags, GAP and warranty). Finance amount is determined by your credit score. Down payment may be required. Not all applicants will qualify for the lowest rate. Rates and terms subject to change at any time without notice.

6 Used motorcycle rates apply to model years 2016-2023. Older models will be considered on an exception basis and require approval from Consumer Lending. Rates apply to new money loans or refinances of current Signal Financial loans with a minimum of $1,000 increase to outstanding balance (new balance must be less than or equal to the NADA Clean Retail Value of the motorcycle). Financing available on amounts up to 100% of NADA retail value (plus tax, tags, GAP and warranty). Available on 2016-2023 models that have been previously titled. Finance amount is determined by your credit score. Down payment may be required. Not all applicants will qualify for the lowest rate. Rates and terms subject to change at any time without notice.

Mortgage Loans

Product Rate APR7
30-year fixed 6.500% 6.605%8
5/1 ARM 5.750% 5.848%9
7/1 ARM 6.000% 6.351%9

Terms and conditions that apply to all mortgage loans: All loans are subject to credit and underwriting approval. Not all applicants will qualify for the lowest rate. Rates, points, and terms may vary depending on variety of factors including but not limited to loan amount, loan purpose, occupancy, credit score, loan-to value ratio, and property type. Rates are only guaranteed once locked and confirmed with our secondary market without any changes made after the request. Rates locked in today for 60 days have an expiration date of (today + 60 days). Rates apply to loans up to the current FHFA conforming loan limit. All rates and terms are subject to change without notice.

7 APR = Annual Percentage Rate

8 As of December 20, 2024. Signal Financial FCU’s 30-year fixed rate mortgage loan is as low 6.500% (6.605% APR) subject to credit approval. APR= Annual Percentage Rate. Not all will qualify as loans are subject to collateral and credit requirements. Rates are subject to change at any time and may vary depending on variety of factors. Not all borrowers will qualify for the lowest rate. Rates and offers are available for a limited time and subject to change without notice. A sample payment on a $300,000 loan amount for a 30-year fixed rate loan at 6.500% (6.605% APR) is $1,896.20.  Payments do not include amounts for taxes and insurance premiums for first lien mortgage loans; the actual payment obligation will be greater. Payment and APR will vary depending on term and loan program chosen. Please contact a mortgage loan officer at 301-933-9100 ext. 104 about applicable rates, fees, and offers. Membership required.

9 As of December 20, 2024. Not all will qualify. Loans subject to collateral and credit requirements. Signal Financial’s 5/1 adjustable-rate mortgage (ARM) is 5.750% (5.848% APR). APR= Annual Percentage Rate. Rates are subject to change at any time and may vary depending on variety of factors. Not all borrowers will qualify for the lowest rate. Rates and offers are available for a limited time and subject to change without notice. A sample payment on a $300,000 loan for a 5.750% (5.848% APR) is $1,750.72 for the initial fixed period of 5 years. Signal Financial FCU’s 7/1 adjustable-rate mortgage (ARM) is 6.000% (6.351% APR). APR= Annual Percentage Financial Percentage Rate. Rates are subject to change at any time and may vary depending on variety of factors. Not all borrowers will qualify for the lowest rate. Rates and offers are available for a limited time and subject to borrowers to change without notice. A sample payment on a $300,000 loan for a 7/1 ARM loan at 6.000% (6.351% APR) change is $1,798.65 for the initial fixed period of 7 years. Payments do not include amounts for taxes and insurance premiums for first lien loans; the actual payment obligation will be greater. Payment and APR will vary depending on term and loan program chosen. ARM interest rates and payments are subject to increase after the initial fixed-rate period, 5 years for the 5/1 ARM or 7 years for the 7/1 ARM; the 1 shows the interest rate is subject to adjustment once every year after the initial fixed rate period. Please contact a mortgage loan officer at 301-933-9100 ext. 104 about applicable rates, fees, and offers. Membership required. Federally insured by NCUA.

HELOC

Product Intro APR APR10
Variable Rate HELOC 7.490% 7.750%
Fixed-rate HELOC — 7.490%

Rates as of December 20, 2024.

10 APR = Annual Percentage Rate. Signal Financial Federal Credit Union Home Equity Line of Credit (HELOC) refers to an owner-occupied primary residence. HELOC products are not available for investment properties. The maximum combined loan-to-value (CLTV) on home equity lines of credit is 90%, which assumes that the total of all existing loans amount does not exceed 90% of the appraised property value. For loans with a CLTV greater than 80%, higher rates will apply. The Annual Percentage Rate (APR) for variable rate loan products may increase in accordance with the Wall Street Journal Prime Rate (“Index”, currently 7.750% as of November 8, 2024), plus a Margin 0.50% after the 7.490% APR introductory rate for the first 3 months has expired. The maximum APR at any time is 18.00%. Rates and offers are in effect for a limited time and subject to change without notice. A minimum initial draw of $10,000 is required on the variable rate HELOC and a minimum initial draw of $100,000 is required for the fixed rate HELOC. Other terms and conditions apply. Closing Cost is estimated to range from $700 to $2,000, depending on the loan amount and the property location. Total closing costs will be at the expense of the borrower. Homeowner’s insurance is required to have sufficient dwelling coverage. An appraisal fee refund is available to members enrolled in Signal Smart Plus, with a qualifying mortgage loan. For information about Signal Smart Plus, please visit: signalfinancialfcu.org/smart-plus. Credit is subject to approval. Not all applicants will qualify for the lowest rate. Rates and terms are subject to change at any time without notice. Please consult with a loan officer at 301-933-9100 ext. 104 for more information on a Signal Financial Home Equity Line of Credit.

Personal Loans

Product Terms APR11
Signature Loan Up to 36 months as low as 7.74%
37-48 months as low as 8.24%
49-66 months as low as 8.74%
Line of Credit Open Ended 17.95%12
Share Secured up to 60 months As low as 6.99% APR, OR 2.00% above current dividend rate, whichever is greater
Fresh Start up to 30 months As low as 15.00%
Certificate Secured up to 60 months As low as 6.99% APR, OR 2.00% above the certificate rate, whichever is greater

Rates effective December 20, 2024.

Rates and terms are subject to change at any time without notice and may vary based on creditworthiness and qualifications. Must be a Signal Financial member and must have at least three months of direct deposits into Signal account to qualify for the Fresh Start Loan program.

11 APR=Annual Percentage Rate. Must be a Signal Financial Federal Credit Union member in good standing to qualify. All loans subject to credit approval. Rates subject to change without notice. The APR shown above reflects the current minimum APR offered and includes 0.25% discount for Signal Smart Plus members. For members not in Signal Smart Plus, add 0.25% from rates shown above. No Signal Smart Plus discounts apply to the Fresh Start loan. Automatic payments from Signal Financial account are required for Signal Smart Plus discount and Fresh Start loan eligibility. Line of Credit, Share Secured, and Certificate Secured products do not qualify for bundle or other promotional rate discounts.

The APR may be adjusted based on individual credit standing, term, loan-to-value, debt-to-income ratio, and aggregate credit score. A 36-month Signature loan of $15,000 at 7.74% APR would have a monthly payment of $468.21; your payment may differ depending on rate, term, and product. A 36-month Share Secured loan of $15,000 at 6.99% APR would have a monthly payment of $463.02; your payment may differ depending on rate, term, and product. A 12-month Fresh Start loan of $1,000 at 18.00% APR would have a monthly payment of $91.68; your payment may differ depending on rate, term, and product. Please apply or contact a loan officer to determine the rate, term, and amount for which you qualify.

12 Line of credit rate is variable and is equal to The Wall Street Journal Prime Rate, plus 9.95%. All loan applications are subject to credit approval. Additional rules and restrictions may apply.

Credit Cards

Product Secured16 VISA® Direct15 VISA® Platinum14 VISA® Signature13 VISA®
Annual Percentage Rate (APR) 18.00% APR 13.50% –18.00% APR

Variable, depending on creditworthiness

 14.50% – 18.00% APR

Variable; depending on creditworthiness

 15.50% – 18.00% APR

Variable, depending on creditworthiness
Introductory APR – 0% APR for the first 12 months after card opening on purchases and balance transfers17, then a variable card rate of 13.50%–18.00% APR 0% APR for the first 12 months after card opening on purchases and balance transfers17, then a variable card rate of 14.50% – 18.00% APR 0% APR for the first 12 months after card opening on purchases and balance transfers17, then a variable card rate of 15.50% – 18.00% APR
Balance Transfer Rate Currently 18.00% APR 0% APR for the first 12 months after card opening; then reverts to card rate17 0% APR for the first 12 months after card opening; then reverts to card rate17 0% APR for the first 12 months after card opening; then reverts to card rate17
Balance Transfer Fee $10 or 2.5% of the transfer (whichever is greater) None for first 12 months after card opening18 None for first 12 months after card opening18 None for first 12 months after card opening18
Annual Fee None the first year. Each year thereafter, $25 per year. Annual fee is waived for members who conduct a minimum of $1,000.00 in transactions over a 12 month period. None the first year. Each year thereafter, $25 per year. Annual fee is waived for members who conduct a minimum of $1,000.00 in transactions over a 12 month period. No Annual Fee No Annual Fee
Foreign Transaction Fee 1% of transaction amount 1% of transaction amount 1% of transaction amount –
Product Secured16 VISA® Direct15 VISA®
Annual Percentage Rate (APR) 18.00% APR 13.50%–18.00% APR

Variable, depending on creditworthiness
Introductory APR — 0% APR for the first 12 months after card opening on purchases and balance transfers17, then a variable card rate of 13.50%–18.00% APR
Balance Transfer Rate Currently 18.00% APR 0% APR for the first 12 months after card opening; then reverts to card rate17
Product Platinum14 VISA® Signature13 VISA®
Annual Percentage Rate (APR) 14.50% – 18.00% APR

Variable; depending on creditworthiness

 15.50% – 18.00% APR

Variable, depending on creditworthiness
Introductory APR 0% APR for the first 12 months after card opening on purchases and balance transfers17, then a variable card rate of 14.50% – 18.00% APR 0% APR for the first 12 months after card opening on purchases and balance transfers17, then a variable card rate of 15.50% – 18.00% APR
Balance Transfer Rate 0% APR for the first 12 months after card opening; then reverts to card rate17 0% APR for the first 12 months after card opening; then reverts to card rate17

13 Annual Percentage Rate (APR) for the Signature Visa credit card may vary and not all applicants will qualify for the lowest rate. The interest rate for purchases, cash advances, and balance transfers is determined by the Prime Rate published in the Money Rates section of the Wall Street Journal. If the prime rate has changed on the last day of the quarter, your APR will change within the first fifteen (15) days of the next quarter. Minimum interest rate for the Signature Visa is 15.50%. maximum interest is 18.00%. Interest rates for the Signature Visa card consist of the Prime Rate + margin and depend on the member’s creditworthiness. Rates, benefits, and fees are subject to change at any time without notice.

14 There is no annual fee for the Signal Platinum Visa card. A foreign transaction fee equal to 1% of the transaction amount will be applied to foreign transactions made with the Platinum card. Annual Percentage Rate (APR) may vary. The interest rate for purchases, cash advances, and balance transfers is determined by the Prime Rate published in the Money Rates section of the Wall Street Journal. If the prime rate has changed on the last day of the quarter, your APR will change within the first fifteen (15) days of the next quarter. Minimum interest rate is 14.50%, maximum interest is 18.00%. Interest rates for the Platinum card consist of the Prime Rate + margin and depend on the member’s creditworthiness. Rates, benefits, and fees are subject to change at any time.

15 The annual fee for the Signal Direct Visa card is waived the first year. The fee imposed each year thereafter is $25. The annual fee is waived each year for cardholders who conduct a minimum $1,000 in transactions using the credit card over a 12-month period. A foreign transaction fee equal to 1% of the transaction amount will be applied to foreign transactions made with the Direct card. Annual Percentage Rate (APR) may vary. The interest rate for purchases, cash advances, and balance transfers is determined by the Prime Rate published in the Money Rates section of the Wall Street Journal. If the prime rate has changed on the last day of the quarter, your APR will change within the first fifteen (15) days of the next quarter. Minimum interest rate is 13.50%; maximum interest is 18.00%. Interest rates for the Direct card consist of the Prime Rate + margin. The rate is calculated in the following manner: Prime Rate + 15.00%. Rates, benefits, and fees are subject to change at any time.

16 The Signal Secured Visa card has a $25 annual fee that is waived for the first year and imposed each year thereafter. This annual fee is waived when cardholders conduct a minimum of $1,000 in transactions using the credit card over a 12-month period. A foreign transaction fee equal to 1% of the transaction amount will be applied to foreign transactions made with the Signal Secured card. The Annual Percentage Rate for the Signal Secured Visa is 18.00% APR fixed. Minimum and maximum interest rate is 18.00%. Security deposit equal to the credit limit is required for this product. Rates, benefits, terms, and fees are subject to change at any time.

17 APR = Annual Percentage Rate. 0% APR on all purchases and balance transfers for the first 12 months after new card account opening. Rate for any remaining purchase and balance transfers will revert to the card’s variable rate, 13.50%–18.00% depending on creditworthiness and credit card type, after the first 12 months. Rates and fees are subject to change at any time without notice. Refer to your most recent statement for your current standard variable rate. A foreign transaction fee of 1.00% applies to all credit cards except Signature.

18 Balance transfers completed within the first 12 months of opening a new card account will incur no balance transfer fee. Any balance transfers completed after the initial 12-month period will be charged a balance transfer fee of $10 or 2.5% of the transfer amount, whichever is great.

Signal Financial Federal Credit Union and Fair Isaac are not credit repair organizations as defined under federal or state law, including the Credit Repair Organizations Act. Signal Financial Federal Credit Union and Fair Isaac do not provide “credit repair” services or advice or assistance regarding “rebuilding” or “improving” your credit record, credit history or credit rating.

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VISA® Credit Card: General Assistance
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866-498-2213

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