Credit union · NCUA insured
Signal Financial CD Rates
Signal Financial’s best CD rate is 4.50% APY on a 5-year share certificate (CD). Terms run from 3 months to 6 years. Rates checked October 22, 2026.
How Signal Financial’s CD rates compare
Compared with banks and credit unions near Washington, DC-VA-MD-WV, where Signal Financial has the most branches. $10,000, best rate first.
This credit union’s best
Signal Financial
4.50%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $2,462
Share Certificates
Top rate
Tower Federal Credit Union
5.20%APY
- Term
- 24 months
- Minimum
- $500
- Earns on $10,000
- $1,067
2nd-highest rate
Apple FCU
5.00%APY
- Term
- 70 months
- Minimum
- $500
- Earns on $10,000
- $3,292
Signal Financial CD score
95
CD score
Higher than 98% of U.S. banks and credit unions
- 3–8 months3–8 mo3.82%
- 9–15 months9–15 mo4.25%
- 16–30 months16–30 mo4.35%
- 31–60 months31–60 mo4.50%
- QualifiedQualified4.50%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Signal Financial ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share Certificates
Up to 4.50%APY · 10 terms
Membership required ($5 one-time membership share). Fixed dividend rate. Option to extend term by 6 months or more at prevailing rate. Dividends compounded daily and credited monthly. Penalties apply for early withdrawal. Fees may reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsDividends compounded daily and credited monthly. Penalties apply for early withdrawal. Membership required | 0.02% | $0 |
| 6 monthsDividends compounded daily and credited monthly. Penalties apply for early withdrawal. Membership required | 3.82% | $189 |
| 12 monthsDividends compounded daily and credited monthly. Penalties apply for early withdrawal. Membership required | 4.25% | $425 |
| 18 monthsDividends compounded daily and credited monthly. Penalties apply for early withdrawal. Membership required | 4.30% | $652 |
| 24 monthsDividends compounded daily and credited monthly. Penalties apply for early withdrawal. Membership required | 4.35% | $889 |
| 30 monthsDividends compounded daily and credited monthly. Penalties apply for early withdrawal. Membership required | 0.25% | $63 |
| 36 monthsDividends compounded daily and credited monthly. Penalties apply for early withdrawal. Membership required | 4.35% | $1,363 |
| 48 monthsDividends compounded daily and credited monthly. Penalties apply for early withdrawal. Membership required | 4.35% | $1,857 |
| 60 monthsDividends compounded daily and credited monthly. Penalties apply for early withdrawal. Membership required | 4.50% | $2,462 |
| 72 monthsDividends compounded daily and credited monthly. Penalties apply for early withdrawal. Membership required | 4.50% | $3,023 |
Sources (3)
All captured Oct 7, 2026
Special-purpose accounts
IRA Certificates
Up to 4.50%APY · 8 terms
Includes Traditional, Roth, SEP and Coverdell ESA. Insured separately up to $250,000 by NCUA. Dividends compounded daily and credited monthly. Penalties apply for early withdrawal. Fees may reduce earnings. Membership required.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsDividends compounded daily and credited monthly. Penalties apply for early withdrawal. Membership required | 4.25% | $425 |
| 18 monthsDividends compounded daily and credited monthly. Penalties apply for early withdrawal. Membership required | 4.30% | $652 |
| 24 monthsDividends compounded daily and credited monthly. Penalties apply for early withdrawal. Membership required | 4.35% | $889 |
| 30 monthsDividends compounded daily and credited monthly. Penalties apply for early withdrawal. Membership required | 0.25% | $63 |
| 36 monthsDividends compounded daily and credited monthly. Penalties apply for early withdrawal. Membership required | 4.35% | $1,363 |
| 48 monthsDividends compounded daily and credited monthly. Penalties apply for early withdrawal. Membership required | 4.35% | $1,857 |
| 60 monthsDividends compounded daily and credited monthly. Penalties apply for early withdrawal. Membership required | 4.50% | $2,462 |
| 72 monthsDividends compounded daily and credited monthly. Penalties apply for early withdrawal. Membership required | 4.50% | $3,023 |
Sources (2)
All captured Oct 7, 2026
Who can join Signal Financial
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.
Membership information collected October 4, 2026.