Checking Accounts
| Minimum Balance to Earn | Dividend Rate | APY1 | |
| Signal Smart® Plus Checking2 | $0 | 0.03% | 0.03% |
| Signal Smart Checking | $0-$2,999.99 | 0.00% | 0.00% |
| $3,000 | 0.03% | 0.03% | |
| Connect Checking2 | $0 | 0.03% | 0.03% |
| Bright Future Checking3 | $0 | 0.03% | 0.03% |
| Direct Checking2 | $0 | 0.05% | 0.05% |
| Premium Checking2 | $0 | 0.08% | 0.08% |
Savings Accounts
| Minimum Balance to Earn Dividends | Dividend Rate | APY1 | |
| Membership Savings | $5 | 0.03% | 0.03% |
| Signal Smart Savings4 | $0 – $9,999.99 | 1.25% | 1.26% |
| $10,000 – $24,999.99 | 1.00% | 1.11% | |
| $25,000 – $49,999.99 | 0.75% | 0.93% | |
| $50,000 – $99,999.99 | 0.25% | 0.59% | |
| $100,000+ | 0.25% | 0.25% | |
| Signal Smart Plus Savings5 | $0 – $9,999.99 | 2.25% | 2.27% |
| $10,000 – $24,999.99 | 2.00% | 2.12% | |
| $25,000 – $49,999.99 | 1.50% | 1.81% | |
| $50,000 – $99,999.99 | 0.50% | 1.16% | |
| $100,000+ | 0.50% | 0.50% | |
| Additional Savings | $0 | 0.03% | 0.03% |
| Bright Future Membership Savings (Ages 0-26) | $5 | 0.03% | 0.03% |
| Holiday and Vacation Club | $10 | 0.03% | 0.03% |
| Minimum Balance to Earn Dividends | Dividend Rate | APY1 | |
| IRA Share, IRA Roth Savings, and IRA SEP Savings | $5-$1,999.99 | 0.03% | 0.03% |
| $2,000+ | 0.03% | 0.03% | |
| Coverdell Education Savings | $5-$1,999.99 | 0.03% | 0.03% |
| $2000+ | 0.03% | 0.03% |
Money Markets
| Minimum Balance to Earn Dividends | Dividend Rate | APY1 | |
| Money Market | $10 – $2,499.99 | 0.00% | 0.00% |
| $2,500 – $19,999.99 | 0.03% | 0.03% | |
| $20,000 -$49999.99 | 0.05% | 0.05% | |
| $50,000 – $99999 | 0.05% | 0.05% | |
| $100,000+ | 0.08% | 0.08% | |
| Direct Money Market6 | $0 | 0.13% | 0.13% |
| Premium Money Market6 | $0-$24,999.99 | 0.13% | 0.13% |
| $25,000+ | 0.25% | 0.25% |
Share Certificates
| Share Certificate Term | Amount to Open | Dividend Rate | APY1 |
| 3 Months | $500 | 0.02% | 0.02% |
| 6 Months | $500 | 4.10% | 4.18% |
| 12 Months | $500 | 4.15% | 4.24% |
| 18 Months | $500 | 3.80% | 3.87% |
| 24 Months | $500 | 3.70% | 3.77% |
| 30 Months | $500 | 0.25% | 0.25% |
| 36 Months | $500 | 3.75% | 3.82% |
| 48 Months | $500 | 3.85% | 3.92% |
| 60 Months | $500 | 3.90% | 3.98% |
| 72 Months | $500 | 4.00% | 4.08% |
IRA Certificates (Traditional, Roth, SEP and Coverdell ESA)
| Certificates Term | Minimum Amount to Open | Dividend Rate | APY1 |
| 12 Months | $500 | 4.24% | 4.33% |
| 18 Months | $500 | 3.87% | 3.95% |
| 24 Months | $500 | 3.77% | 3.84% |
| 30 Months | $500 | 0.25% | 0.25% |
| 36 Months | $500 | 3.82% | 3.89% |
| 48 Months | $500 | 3.92% | 4.00% |
| 60 Months | $500 | 3.98% | 4.06% |
| 72 Months | $500 | 4.08% | 4.17% |
Fees Associated with All Accounts
| Fee Type | Fee Amount |
| ATM—Foreign ATM | $1 per balance inquiry or transaction at non-Signal Financial FCU ATMs —first 4 fees waived each month (Bundle members receive additional fee waivers) |
| Bad Address—Returned Mail | $10/return |
| Bill Pay Payments—Expedited Payment | $34.95/item |
| Bundles—Signal Connect | $10/month |
| Bundles—Signal Direct | $10/month |
| Bundles—Signal Premium | $25/month |
| Bundles—Signal Smart Plus | $25/month |
| Card Expedited Fee-UPS | $35/card |
| Check Copy—Deposited or Cleared (Credit Union Assisted) | $3/item |
| Debit Card—Replacement | $10/card |
| Debit Card—Foreign Transaction (International) | 1% of each transaction |
| Early Account Closure (New account closed in the first 6 months) | $25 |
| Escheatment to State | $50/account |
| Garnishments or Levies Processing | $75/instance |
| Holiday Club Early Withdrawal | $15 |
| Inactivity—Inactive (1 year of no member-initiated activity & balance is > $0) | $10/month |
| Inactivity—Dormant (2 years of no member-initiated activity & balance is > $0) | $10/month |
| Official Check | $7 each |
| Official Check Copy | $10/item |
| Official Check Replacement | $10/item |
| Official Check Stop Payment | $31/item |
| Outgoing Domestic Wire Transfer | $30/transfer |
| Outgoing Foreign Wire Transfer | $45/transfer |
| Overdraft | $32/item |
| Paper Statement | $2/month |
| Pay-by-Phone Loan Payment | $10/payment |
| Research—Legal | $75/hour, $75 minimum |
| Research—Member-initiated | $30/30 minutes, $30 minimum |
| Research—Debit Card Fraud (If research concluded no fraud) | $35/claim |
| Return Deposited Item | $32/item |
| Returned Item—Uncollected Funds | $32/item |
| Safe Deposit Box—Drilling | $150/instance |
| Safe Deposit Box—Lost Key Replacement | $20/replacement |
| Skip-a-Pay | $30/request |
| Special Collection Item | $31/item |
| Statement Copy | $10/statement |
| Stop Payment—Credit Union Assisted | $31/item |
| Stop Payment—Online Banking or Automated Telephone System | $20/item |
| Telephone Transfer—Credit Union Assisted | $3/transfer |
| VISA Convenience Check Copy | $5 each |
| VISA Credit Card-Replacement | $10 each |
| VISA Statement Copy | $10 each |
Bank easier, bank faster, and bank better with Signal Financial Federal Credit Union.
Routing Number:
255075495
Main Line
301-933-9100
VISA® Credit Card: General Assistance
For Consumer/Business Cards:
800-328-3018
For Visa Signature Cards:
800-328-3033
VISA® Debit Card: Lost/Stolen
866-498-2213
Automated Phone System
800-447-8997
Proud Partner of
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