Signal Financial
3015 University Blvd W
Kensington, MD 20895
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2021 Overview
General Credit Union Information
Signal Financial is an NCUA insured institution located in Kensington, MD. It was founded in 1947 and has approximately $476.66 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 |
| Charter Number # | # 5571 |
| Date Established | 1947 |
| Assets | $476.66 million |
| Loans | $298.11 million |
| Deposits | $415.19 million |
| Capital | $38.70 million |
Field of Membership Restrictions
Deposit Rates - January 27, 2021
Your Current Location: Virginia, VA 20146
| 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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|
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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 - January 27, 2021
Your Current Location: Virginia, VA 20146
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 - Virginia 30 Year Fixed Mortgage Rates 2021
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 2890 License#: MC-3098 |
2.576% | 2.500% | 1.00 | $2,500 | $988 | Learn More |
Featured - Virginia Home Equity Line Of Credit Rates 2021
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loans See Table |
2.240 %
|
$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:
Ashburn,Virginia
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 |
|---|---|
| 2.29% | 4.42 |
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 September 30, 2020, Signal Financial had $450,735 in non-current loans and $503,102 in owned assets. To cover these potential losses it had $38,696,548 in net worth and $3,007,962 in loans loss reserves. That gives it a Texas Ratio of 2.29%.
Net Worth
| Signal Financial | U.S. Average |
|---|---|
| 8.11% | 12.91% |
Signal Financial FCU has a net worth of 8.11% versus the BestCashCow average of 12.91. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Frequently Asked Questions About Signal Financial
Branches and Savings
What is Signal Financial?
A credit union, registered with the NCUA under certificate #5571.
Learn more about credit unions here.
Is Signal Financial FDIC insured?
No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.
Who can join Signal Financial?
Please see Field of Membership information above for information on who is eligible to join.
How big is Signal Financial?
Signal Financial has total capital of $38.70 million. Full information on Signal Financial's financial position is located above.
Who owns Signal Financial?
Credit Unions are owned by their members.
Where are Signal Financial branches located?
See branch locations nearby.
Are Signal Financial ATMs Open 24/7?
Do Signal Financial ATMs accept cash deposits?
Can Signal Financial customers use other ATMs? What is the charge for withdrawing money from another ATM?
Does Signal Financial have a mobile app?
Does Signal Financial have mobile deposit?
Does Signal Financial have quick pay?
How can Signal Financial transfer money to other banks or credit unions?
Does Signal Financial report to credit bureaus?
Does Signal Financial use Chexsystems?
Does Signal Financial use Equifax?
What is Signal Financial's toll free phone number?
What is Signal Financial's ACH Routing Number?
What is Signal Financial's SWIFT code?
Where can I find Signal Financial's wire transfer form?
What is the Signal Financial address for deposits?
What Products Does Signal Financial Offer
Does Signal Financial offer home equity lines of credit and home equity loans?
Compare home equity lines of credit rates here.
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