Credit union · NCUA insured
Signal Financial
A $369.1M credit union headquartered in Kensington, MD, with 18,277 members and 4 branches in 3 states. Best rates: CDs 4.50% and savings 0.03% APY.
Signal Financial Carrot Score
79
Carrot Score
Higher than 49% of U.S. banks and credit unions
#67 of 105 in Washington, DC-VA-MD-WV metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Signal Financial
Chartered in 1947 as Washington Telephone Federal Credit Union by telephone workers, Signal Financial Federal Credit Union is a member-owned financial institution that was renamed in 2007 to serve diverse employer groups.
- Headquarters
- 3015 University Blvd W, Kensington, MD 20895-1936
- NCUA charter
- 5571
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, or attend school in Washington, DC or Prince George’s County, MD (inside the beltway) are eligible for membership.
Employers and groups
- Individuals who live or work at Leisure World of Maryland are eligible for membership.
- Employees or members of one of Signal Financial's Select Employer Groups (SEGs) are eligible for membership.
Family and household
- Individuals who live with or are related to a current Signal member are eligible for membership.
Other ways
- Individuals who reside in MD, DC, VA, WV, DE, PA, or NJ may qualify for membership by donating $5 to the Signal Financial Charitable Foundation, Inc.
Cost to join
- A $5 one-time membership share is required.
Branches
4 branches in 3 states
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Maryland
2 branches
- KensingtonMain office3015 University Blvd W, Kensington, MD 20895Directions
- Leisure World3701 Rossmoor Blvd, Silver Spring, MD 20906Directions
District of Columbia
1 branch
- City Center - 1101 NY Ave1101 New York Ave NW, Washington, DC 20005Directions
Virginia
1 branch
- One Loudoun44747 Brimfield Dr, Ashburn, VA 20147Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 9.34% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.53% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | -0.14% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $90 | $76 | — |
- CapitalNet worth ratio9.34%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.53%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets-0.14%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$90Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Signal Financial are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.