Credit union · NCUA insured
Signal Financial Credit Card Rates
Signal Financial credit cards start at 14.00% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How Signal Financial’s credit card rates compare
Compared with banks and credit unions near Washington, DC-VA-MD-WV, where Signal Financial has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Signal Financial
14.00%APR
- Annual fee
- $25
- Up to
- 18.00% APR
Direct VISA
Lowest rate
American Broadcast Employees FCU
6.99%APR
- Annual fee
- None
- Up to
- —
2nd-lowest rate
IDB Global Federal Credit Union
7.00%APR
- Annual fee
- None
- Up to
- 18.00% APR
Signal Financial credit card score
63
Credit card score
Higher than 8% of U.S. banks and credit unions
- Purchase APRPurchase APR14.00%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Signal Financial ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Direct VISA
Credit limit ranges from $500 to $40,000. Annual fee is $0 for the first year, then $25 each year thereafter, waived for members who conduct a minimum of $1,000 in transactions over a 12-month period. Variable APR is based on Prime Rate + margin. Foreign transaction fee is 1% of transaction amount.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 0.00% | $25 | Introductory rate of 0% APR for the first 12 months after card opening on purchases. No balance transfer fee for the first 12 months. Annual fee is waived for the first year. |
| Ongoing | 12.25%–18.00% | $25 | Standard variable APR of 12.25% to 18.00% (Prime + margin) depending on creditworthiness, applying to purchases, cash advances, and balance transfers. Annual fee is waived for the first year, then $25/year (waived with $1,000+ in transactions over 12 months). Balance transfer fee after initial 12 months is $10 or 2.5% of transfer amount, whichever is greater. |
| Ongoing | 14.00%–18.00% | $25 | Variable APR currently 14.00% to 18.00% as displayed on secondary card table. Annual fee is waived for the first year, then $25/year (waived with $1,000+ in transactions over 12 months). Balance transfer fee after initial 12 months is $10 or 2.5% of transfer amount, whichever is greater. |
Sources (2)
All captured Oct 4, 2026
Platinum VISA
Credit limit ranges from $500 to $40,000. Variable APR is based on Prime Rate + margin and member creditworthiness. Foreign transaction fee is 1% of transaction amount. No annual fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 0.00% | None | Introductory rate of 0% APR for the first 12 months after card opening on purchases. No balance transfer fee for the first 12 months. |
| Ongoing | 13.25%–18.00% | None | Standard variable APR of 13.25% to 18.00% (Prime + margin) depending on creditworthiness, applying to purchases, cash advances, and balance transfers. Balance transfer fee after initial 12 months is $10 or 2.5% of transfer amount, whichever is greater. |
| Ongoing | 15.00%–18.00% | None | Variable APR currently 15.00% to 18.00% as displayed on secondary card table. Balance transfer fee after initial 12 months is $10 or 2.5% of transfer amount, whichever is greater. |
Sources (2)
All captured Oct 4, 2026
Secured VISA
Credit limit ranges from $500 to $1,000. Security deposit equal to the credit limit is required. Annual fee is $0 for the first year, then $25 each year thereafter, waived for members who conduct a minimum of $1,000 in transactions over a 12-month period. Foreign transaction fee is 1% of transaction amount. Balance transfer fee is $10 or 2.5% of the transfer amount, whichever is greater.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 18.00% | $25 | Fixed APR of 18.00%. Annual fee is waived for the first year, then $25/year (waived with $1,000+ in transactions over 12 months). Balance transfer fee is $10 or 2.5% of the transfer, whichever is greater. |
Sources (2)
All captured Oct 4, 2026
Signature VISA
Credit limit ranges from $5,000 to $40,000. Variable APR is based on Prime Rate + margin and member creditworthiness. Foreign transaction fee is not charged.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 0.00% | None | Introductory rate of 0% APR for the first 12 months after card opening on purchases. No balance transfer fee for the first 12 months. |
| Ongoing | 14.25%–18.00% | None | Standard variable APR of 14.25% to 18.00% (Prime + margin) depending on creditworthiness, applying to purchases, cash advances, and balance transfers. Balance transfer fee after initial 12 months is $10 or 2.5% of transfer amount, whichever is greater. |
| Ongoing | 16.00%–18.00% | None | Variable APR currently 16.00% to 18.00% as displayed on secondary card table. Balance transfer fee after initial 12 months is $10 or 2.5% of transfer amount, whichever is greater. |
Sources (2)
All captured Oct 4, 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.