Signal Financial Federal Credit Union
Headquarters
3015 University Blvd W
Kensington, MD 20895
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2024 Overview
General Credit Union Information
Signal Financial is an NCUA insured institution located in Kensington, MD. It was founded in 1947 and has approximately $410.36 millions in assets.
Who can join?
If you or a family member live, work, attend school, or worship in Washington DC or inside the Beltway in Prince George's County* or are employed by one of our Select Employee Groups (including Verizon, Verizon Wireless, At&T, and others), you are eligible to be a member of the credit union and open your account.
* Please contact Member Services at (301) 933.9100 ext. 298 to verify Prince George's County Membership Eligibility.
If you are related to a current member by blood, marriage or other recognized family relationship in the same household (living under the same roof), as well as those individuals who, despite the fact that they live outside the household, are grandparents, parents, spouses, siblings, children or grandchildren of members, you are eligible to be a member of the credit union. This also includes stepparents, stepchildren, and stepsiblings.
If you are a spouse of persons who died while within the field of membership of Signal Financial, you are eligible to be a member of the credit union.
If you are retired as pensioners of annuitants from the above employment, you are eligible to be a member of the credit union.
| NCUA Insured | Yes / Federally Chartered |
| Charter Number # | # 5571 |
| Date Established | 1947 |
| Assets | $410.36 million |
| Loans | $315.75 million |
| Deposits | $356.03 million |
| Capital | $37.20 million |
Field of Membership Restrictions
Membership in Signal Financial Federal Credit Union is open to all members of the Washington Area Bicycle Association (WABA), regardless of residency. Membership is also open to the following: (1) those who live, work, attend school, or worship in Washington, D.C. or inside the Beltway in Prince George's County in Maryland; (2) employees and retirees of 200+ Select Employee Groups also qualify for membership.
Deposit Rates - April 23, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.05% | $2,500 | $4,999 |
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|
|
Money Market
|
0.05% | $2,500 | $2,999 |
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|
|
Money Market
|
0.05% | $10,000 | $14,999 |
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|
Money Market
|
0.10% | $25,000 | $29,999 |
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|
|
Premium Money Market Account
|
0.25% | $10,000 | $14,999 |
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|
|
Premium Money Market Account
|
0.50% | $25,000 | $34,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.25% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.25% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.75% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.75% | $100,000 | $199,999 |
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|
| 18 Mo CD
|
0.75% | $10,000 | $14,999 |
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|
| 18 Mo CD
|
0.75% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
0.85% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
0.85% | $100,000 | $199,999 |
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|
| 30 Mo CD
|
0.85% | $10,000 | $14,999 |
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|
| 30 Mo CD
|
0.85% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
0.96% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
0.96% | $100,000 | $199,999 |
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|
| 48 Mo CD
|
1.01% | $10,000 | $14,999 |
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|
| 48 Mo CD
|
1.01% | $100,000 | $199,999 |
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|
| 60 Mo CD
|
1.06% | $10,000 | $14,999 |
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| 60 Mo CD
|
1.06% | $100,000 | $199,999 |
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|
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Int Ckg
|
0.15% | $1 | $99 | Learn More |
| Int Ckg
|
0.15% | $2,500 | $3,499 | Learn More |
Loan Rates - April 23, 2024
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for Signal Financial
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Featured - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 1835285 |
6.608% | 6.500% | 0.88 | $3,600 | $2,023 | Learn More |
NMLS ID: 2059741 |
6.894% | 6.750% | 0.88 | $4,746 | $2,076 | Learn More |
NMLS ID: 401822 |
6.932% | 6.750% | 0.88 | $6,000 | $2,076 | Learn More |
NMLS ID: 3030 |
7.463% | 7.375% | 0.88 | $2,800 | $2,211 | Learn More |
Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
7.490 %
|
$0 |
Learn More
More Info |
Note to Signal Financial
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Branches
Below are Signal Financial branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Columbus,Ohio
Climate Policy and Initiatives
SIGNAL FINANCIAL is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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Financial Details
Signal Financial Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Signal Financial. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.
Texas Ratio
| Signal Financial | U.S. Average |
|---|---|
| 5.20% | 6.97 |
The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.
As of December 31, 2023, Signal Financial had $2,094,769 in non-current loans and $6,042 in owned assets. To cover these potential losses it had $37,199,317 in net worth and $3,185,145 in loans loss reserves. That gives it a Texas Ratio of 5.20%.
Net Worth
| Signal Financial | U.S. Average |
|---|---|
| 8.95% | 13.62% |
Signal Financial FCU has a net worth of 8.95% versus the BestCashCow average of 13.62. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for Signal Financial
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