Signal Smart™ Plus

Bank smarter with Signal, and we’ll bank better for you.

Signal Smart Plus is our way of saying “Thanks” for choosing to bank more with Signal Financial. With added perks and more ways to earn and save, Signal Smart Plus has you covered.

Become a Plus member today:

Signal Smart Plus exclusive perks and more ways to save
Signal Smart Plus Checking + Signal Smart Plus Savings
High-yield savings account earning 7x the national average²
No minimum account balance required
Minimum $500 direct deposit per month or 10+ debit card swipes per month

Terms and conditions apply, visit the Our Rates page for details. $25 maintenance fee per month if requirements are unmet.

3.08% APY¹

Signal Smart Plus Savings

Make the Most of Your Membership

Become a Signal Smart Plus member today and elevate your banking experience with Signal.

Better Banking, Better Rewards

	Signal Smart	Signal Smart Plus
High-yield savings account	1.54% APY³	3.08% APY¹
Signal Rewards^TM powered by uChoose⁴
Flexibility to access funds anytime
No minimum balance requirements
No maintenance fees		No maintenance fees if qualifications met
Checking account with Signal Smart Debit Card
Overdraft protection options
0.25% APR⁵ discount on new fixed-rate personal and auto loans
5 Non-Signal ATM fees waived each month
Free domestic outgoing wire transfers
Full refund on appraisal fee for new mortgages

Purchasing a Home?

Signal Smart Plus members receive a full refund on appraisal fees.

Save on Your Personal or Auto Loan

Save big on your new fixed-rate personal or auto loan with a 0.25% APR⁵ discount.

Say Goodbye to Fees

Ditch ATM fees with 5 non-Signal ATM fees waived each month
Save even more with free domestic outgoing wire transfers

Signal Smart Debit Card

Signal Smart Plus Checking comes with our Signal Smart Debit Card. With added security and easy-to-use features, you’ll want this card to be at the top of your wallet.

Greater security than cash or checks
Get cash back with in-store purchases
Withdraw cash surcharge-free from our 10,000+ strong network of ATMs via our partnership with MoneyPass
Coverage if your card is ever lost, stolen, or fraudulently used with our Zero Liability Fraud Protection⁶
Visa^® Chip technology to prevent fraud from occurring, protect members from loss, and secure future payments
24/7 Fraud monitoring by Signal Financial and Visa^®

Explore More
Signal Smart

Signal Financial is no longer opening new Connect, Direct, and Premium bundle Accounts. This change is part of our ongoing efforts to streamline and modernize our solutions to provide you a better banking experience. Current Connect, Direct, and Premium bundle account holders can expect no changes to their accounts and bundle benefits at this time. If you’re interested in upgrading to Signal Smart Plus, contact us today, and a Signal team member will assist you promptly.

1 APY = Annual Percentage Yield. Rates as of December 20, 2024. Fees may reduce earnings on the account.

2 https://www.fdic.gov/resources/bankers/national-rates/index.html

3 APY = Annual Percentage Yield. Rate as of December 20, 2024. Signal Smart Savings is a tiered savings account with no minimum account balance required.

4 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 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; and no more than 1 NSF in most recent 90-days.

5 APR = Annual Percentage Rate.

6 Visa’s Zero Liability policy does not apply to certain commercial card and anonymous prepaid card transactions, or transactions not processed by Visa. Cardholders must use care in protecting their card and notify their issuing financial institution immediately of any unauthorized use. Contact your issuer for more details.

Bank easier, bank faster, and bank better with Signal Financial Federal Credit Union.

Join Today

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

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Signal Financial Federal Credit Union is federally insured by the National Credit Union Administration.
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