Signal Financial Credit Union

3015 University Blvd, W
Kensington, MD 20895
(800) 368-0108
www.sfonline.org

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Signal Financial Credit Union is headquartered in Kensington and is the 20^th largest credit union in the state of Maryland. It is also the 659^th largest credit union in the nation. It was established in 1947 and as of December of 2012, it had grown to 98 employees and 27,431 members. Signal Financial Credit Union has a 5-star health rating.

Credit Union Helped Catch Scammers Taking Advantage Of An Elderly Member (Forum) - 10/25/2012

From the Credit Union Times When an elderly member’s large withdrawals raised red flags at the $308 million Signal Financial FCU of Kensington, Md., employees tracked and reported the activity, and they later learned the member had become the victim

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See Rates for: Checking | Savings | Money Market | CD | IRA

Signal Financial Credit Union Checking Account Rates

	Apy	Min	Max	Product
	0.10%	$3k	-	Non Stop Plus Checking

Signal Financial Credit Union Savings Account Rates

Apy	Min	Max	Product
0.50%	$2k	-	IRA Share Account
0.35%	-	$2k	IRA Accumulation Account
0.15%	$50	-	Share Savings Account
0.15%	-	-	Holiday Club Account
0.15%	-	-	Personal Savings Plan
0.15%	$50	-	Teen Cache Account
0.15%	-	-	Vacation Club Account
0.15%	$25	-	Dollar Dog Youth Savings

Signal Financial Credit Union Money Market Rates

	Apy	Min	Max	Product
	0.35%	$100k	-	Money Market Account

Signal Financial Credit Union CD Rates

Apy	Min	Max	Product
1.56%	$500	-	72 Month CD
1.41%	$500	-	60 Month CD
1.36%	$500	-	48 Month CD
1.11%	$500	-	36 Month CD
0.85%	$500	-	30 Month Bump-Up CD
0.85%	$5k	-	24 Month Promotion CD
0.75%	$500	-	18 Month CD
0.75%	$500	-	24 Month Bump-Up CD
0.70%	$2,500	-	12 Month Promotion CD
0.60%	$500	-	12 Month CD
0.35%	$500	-	182 Day CD
0.20%	$500	-	31 Day CD
0.20%	$500	-	91 Day CD

Signal Financial Credit Union IRA Rates

Apy	Min	Max	Product
1.56%	$2k	-	72 Month IRA Share Certificate
1.56%	$2k	-	72 Month Roth IRA Share Certificate
1.56%	$500	-	72 Month CESA Certificate
1.41%	$2k	-	60 Month IRA Share Certificate
1.41%	$2k	-	60 Month Roth IRA Share Certificate
1.41%	$500	-	60 Month CESA Certificate
1.36%	$2k	-	48 Month IRA Share Certificate
1.36%	$2k	-	48 Month Roth IRA Share Certificate
1.36%	$500	-	48 Month CESA Certificate
1.16%	$2k	-	36 Month IRA Share Certificate
1.16%	$2k	-	36 Month Roth IRA Share Certificate
1.16%	$500	-	36 Month CESA Certificate
0.90%	$2k	-	30 Month IRA Share Certificate
0.90%	$2k	-	30 Month Roth IRA Share Certificate
0.90%	$500	-	30 Month CESA Certificate
0.80%	$2k	-	18 Month IRA Share Certificate
0.80%	$2k	-	24 Month IRA Share Certificate
0.80%	$2k	-	18 Month Roth IRA Share Certificate
0.80%	$2k	-	24 Month Roth IRA Share Certificate
0.80%	$500	-	18 Month CESA Certificate
0.80%	$500	-	24 Month CESA Certificate
0.65%	$2k	-	12 Month IRA Share Certificate
0.65%	$2k	-	12 Month Roth IRA Share Certificate
0.65%	$500	-	12 Month CESA Certificate

Rates updated: 5/19/2013

Data for Q4 2012

Institution Statistics

SIGNAL FINANCIAL
NCUA #	5571
BankRate Report	View
Year Chartered	1947
Employees	98
Primary Regulator
Assets and Liabilities
Assets	$303.67 million
Loans	$198.56 million
Deposits	$266.59 million
Equity Capital	$33.92 million
Loan Loss Allowance	$3.15 million
Unbacked Noncurrent Loans	$4.07 million
Real Estate Owned	$230,000
Historic Data - December 2011
Assets	$297.11 million
Equity Capital	$32.82 million
Loan Loss Allowance	$4.12 million
Unbacked Noncurrent Loans	$5.95 million
Profit Margin - Quarterly
Net Interest Margin	5.18%
Return on Assets	0.34%
Return on Equity	3.02%
Interest Income	$12.19 million
Non-Interest Income	$5.20 million

Institution Health

Overall Score:

5 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2012 Signal Financial Credit Union had $4.3 million in non-current loans and owned real-estate with $37.07 million in equity and loan loss allowances on hand to cover it. This gives Signal Financial Credit Union a Texas Ratio of 11.60% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Signal Financial Credit Union decreased slightly from 16.11% as of December 31, 2011 to 11.60% as of December 31, 2012, resulting in a positive change of 27.98%.This indicates that the balance sheet and financial strength for Signal Financial Credit Union has improved slightly in recent periods.
Deposit Growth
In the past year, Signal Financial Credit Union has increased its total deposits by $6.41 million, resulting in 2.46% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Signal Financial Credit Union has shown is above average.
Capitalization
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Signal Financial Credit Union has $303.67 million in assets with $37.07 million in equity, resulting in a capitalization level of 12.21%, which is excellent.