Credit union · NCUA insured
Signal Financial Savings Rates
Signal Financial’s best savings rate is 0.03% APY on $10,000, with its Additional Savings. Rates checked October 22, 2026.
How Signal Financial’s savings 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
1.71%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $171
Signal Smart Plus Savings
Top rate
Woori America Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $1,000
- Earns on $10,000 a year
- $500
2nd-highest rate
HSBC USA
4.40%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $440
Signal Financial savings score
66
Savings score
Higher than 15% of U.S. banks and credit unions
- $1,000 balance$1,0001.01%
- $10,000 balance$10,0000.03%
- $100,000 balance$100,0000.50%
- QualifiedQualified0.13%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Signal Smart Plus Savings
1.71%APY
Tiered savings account with no minimum account balance required. Requires minimum $500 direct deposit per month or 10+ debit card swipes per month; $25 monthly maintenance fee if requirements are unmet. Membership required. Dividends compounded daily and credited monthly (effective July 1, 2025 dividend rate calculation changes from daily compounding to simple monthly compounding). Signal Financial reserves the right to end or modify this offer at any time.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000$25 monthly maintenance fee waived with minimum $500 direct deposit per month or 10+ debit card swipes per month. | 2.02% | — | $25 monthly maintenance fee waived with minimum $500 direct deposit per month or 10+ debit card swipes per month. |
| $10,000 – $25,000$25 monthly maintenance fee waived with minimum $500 direct deposit per month or 10+ debit card swipes per month. | 1.71% | $171 | $25 monthly maintenance fee waived with minimum $500 direct deposit per month or 10+ debit card swipes per month. |
| $25,000 – $50,000$25 monthly maintenance fee waived with minimum $500 direct deposit per month or 10+ debit card swipes per month. | 1.36% | — | $25 monthly maintenance fee waived with minimum $500 direct deposit per month or 10+ debit card swipes per month. |
| $100,000 and up$25 monthly maintenance fee waived with minimum $500 direct deposit per month or 10+ debit card swipes per month. | 0.50% | — | $25 monthly maintenance fee waived with minimum $500 direct deposit per month or 10+ debit card swipes per month. |
Sources (2)
All captured Oct 4, 2026
Signal Smart Savings
Up to 1.01%APY
Tiered savings account with no minimum account balance required. No transaction requirements and no monthly maintenance fees. Membership required ($5 one-time membership share). Dividends compounded daily and credited monthly (effective July 1, 2025 dividend rate calculation changes from daily compounding to simple monthly compounding). Signal Financial reserves the right to end or modify this offer at any time.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $10,000 | 1.01% | — |
| $25,000 – $50,000 | 0.40% | — |
| $50,000 – $100,000 | 0.33% | — |
| $100,000 and up | 0.25% | — |
Sources (2)
All captured Oct 4, 2026
Premium Money Market
0.13%APY
Enrollment in a Signal Direct Bundle or Signal Premium Bundle required to open a Direct or Premium Money Market Account. Membership required to open or maintain any additional products. Fees may reduce earnings on the account. Dividends are compounded daily and credited monthly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $25,000Enrollment in a Signal Direct Bundle or Signal Premium Bundle required. Minimum balance requirements apply to daily balance. | 0.13% | $13 | Enrollment in a Signal Direct Bundle or Signal Premium Bundle required. Minimum balance requirements apply to daily balance. |
| $25,000 and upEnrollment in a Signal Direct Bundle or Signal Premium Bundle required. Minimum balance requirements apply to daily balance. | 0.25% | — | Enrollment in a Signal Direct Bundle or Signal Premium Bundle required. Minimum balance requirements apply to daily balance. |
Sources (1)
- signalfinancialfcu.org/deposit-rates · captured Oct 7, 2026
Direct Money Market
0.13%APY
Enrollment in a Signal Direct Bundle or Signal Premium Bundle required to open a Direct or Premium Money Market Account. Membership required to open or maintain any additional products. Fees may reduce earnings on the account. Dividends are compounded daily and credited monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceEnrollment in a Signal Direct Bundle or Signal Premium Bundle required. Minimum balance requirements apply to daily balance.Any balance | 0.13% | $13 | Enrollment in a Signal Direct Bundle or Signal Premium Bundle required. Minimum balance requirements apply to daily balance. |
Sources (1)
- signalfinancialfcu.org/deposit-rates · captured Oct 7, 2026
Money Market
0.03%APY
Membership required to open or maintain any additional products. Fees may reduce earnings on the account. Dividends are compounded daily and credited monthly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500Minimum balance requirements apply to daily balance. | 0.00% | — | Minimum balance requirements apply to daily balance. |
| $2,500 – $20,000Minimum balance requirements apply to daily balance. | 0.03% | $3 | Minimum balance requirements apply to daily balance. |
| $20,000 – $50,000Minimum balance requirements apply to daily balance. | 0.05% | — | Minimum balance requirements apply to daily balance. |
| $50,000 – $99,999Minimum balance requirements apply to daily balance. | 0.05% | — | Minimum balance requirements apply to daily balance. |
| $100,000 and upMinimum balance requirements apply to daily balance. | 0.08% | — | Minimum balance requirements apply to daily balance. |
Sources (2)
All captured Oct 7, 2026
Additional Savings
0.03%APY
Membership required to open or maintain account. Dividends compounded daily and credited monthly; minimum balance requirements apply to daily balance.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMinimum balance to earn dividends is $0. Compounded daily, credited monthly.Any balance | 0.03% | $3 | Minimum balance to earn dividends is $0. Compounded daily, credited monthly. |
Sources (1)
- signalfinancialfcu.org/deposit-rates · captured Oct 4, 2026
Membership Savings
0.03%APY
Membership required to open or maintain account. Dividends compounded daily and credited monthly; minimum balance requirements apply to daily balance.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upMinimum balance to earn dividends is $5. Compounded daily, credited monthly.$5 and up | 0.03% | $3 | Minimum balance to earn dividends is $5. Compounded daily, credited monthly. |
Sources (1)
- signalfinancialfcu.org/deposit-rates · captured Oct 4, 2026
Special-purpose accounts
Bright Future Membership Savings (Ages 0-26)
0.03%APY
For ages 0-26. Membership required to open or maintain account. Dividends compounded daily and credited monthly; minimum balance requirements apply to daily balance.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upMinimum balance to earn dividends is $5. Compounded daily, credited monthly.$5 and up | 0.03% | $3 | Minimum balance to earn dividends is $5. Compounded daily, credited monthly. |
Sources (2)
All captured Oct 4, 2026
Coverdell Education Savings
0.03%APY
Trust or custodial account set up solely for paying qualified education expenses for designated beneficiary prior to age 18. Minimum $5 required to open and maintain account. Accounts eligible to stay open until age 30. Maximum contribution up to $2,000 per year per child. Dividends compounded daily and credited monthly; minimum balance requirements apply to daily balance. Membership required. IRA deposits insured separately up to $250,000 by NCUA.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,000 | 0.03% | — |
| $2,000 and up | 0.03% | $3 |
Sources (2)
All captured Oct 4, 2026
Holiday and Vacation Club
0.03%APY
Membership required to open or maintain account. Dividends compounded daily and credited monthly; minimum balance requirements apply to daily balance. Early withdrawal fee applies ($15).
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10 and upMinimum balance to earn dividends is $10. Compounded daily, credited monthly.$10 and up | 0.03% | $3 | Minimum balance to earn dividends is $10. Compounded daily, credited monthly. |
Sources (1)
- signalfinancialfcu.org/deposit-rates · captured Oct 4, 2026
IRA Savings
0.03%APY
Includes Traditional IRA (IRA Share), Roth IRA Savings, and IRA SEP Savings wrappers. Minimum $5 required to open and maintain account. Dividends compounded daily and credited monthly; minimum balance requirements apply to daily balance. Membership required. IRA deposits insured separately up to $250,000 by NCUA.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,000 | 0.03% | — |
| $2,000 and up | 0.03% | $3 |
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.