Find the latest Signature Federal Credit Union CD Rates, Offers, and Promotions here.
Best CD Rates: Premium 36-Month Certificate, 4.50% APY, $500 minimum deposit.
Availability: Nationwide. Easy membership requirement
Easy Membership: The last option on the online application reads:
Still need another way to join? By selecting this option Signature FCU will enroll you into American Consumer Council (ACC), at no cost to you, therefore making you eligible for membership.
Credit Inquiry: Soft Pull
About Signature Federal Credit Union
Signature Federal Credit Union has been driven to excellence to provide their current and potential members with the tools they need to secure their financial future.
Signature Federal Credit Union offers a vast array of products including CD options for all of your specific financial needs. From checking and savings account to loans and CDs, you are bound to find one that works for you.
Share IRA/CD Rates
| Term | APY Rate | Minimum Deposit |
| 3-Month | 1.75% | $500 |
| 6-Month | 2.50% | $500 |
| 9-Month | 2.75% | $500 |
| 12-Month | 3.75% | $500 |
| 18-Month | 3.90% | $500 |
| 24-Month | 3.60% | $500 |
| 36-Month | 3.75% | $500 |
| 48-Month | 3.70% | $500 |
| 60-Month | 4.00% | $500 |
Bump It Up Certificate Rates *Limited-Time Offer*
| Term | APY Rate | Minimum Deposit |
| 23-Month | 4.00% | $500 |
| 59-Month | 4.00% | $500 |
Premium 36-Month Certificate *Limited-Time Offer*
| Term | APY Rate | Minimum Deposit |
| 36-Month | 4.50% | $500 |
*The above information and rates are accurate as of 2/1/2023.
Signature Federal Credit Union CD Rates
CDs are a certificate issued by a bank to a person depositing money for a specified length of time. Usually the longer of a term, the higher APY rate you make.
With as little as $500, you can invest in a Signature Federal Credit Union CD account to maximize your earnings. Compare their offering now to find the solutions that fit best with your savings goals. If you’re interested in making a higher rate than a traditional savings account then make sure to check out below CD rates.
- Minimum deposit: $500
- Maximum deposit: $250K
- Early withdrawal penalty: 180 days of dividends
(NCUA Insured)
| Compare to the best CDs such as Bellco Credit Union 17-Month CD (5.00% APY), Sallie Mae Bank 27-Month CD (4.85% APY), CIT Bank 18-Month CD (4.60% APY), Blue Federal Credit Union 15-Month CD (4.80% APY), Quontic Bank 12-Month CD (4.45% APY), Sallie Mae 14-Month No-Penalty CD (4.40% APY), and Western Alliance Bank 12-Month CD (5.01% APY). |
Important Details for Signature FCU
- Funding – ACH, wire transfer, check, internal transfer, shared branch transaction. Certificates not funded within 30 days of application will automatically be closed.
- CO-OP Shared Branch Participant – Yes.
- Dividends – Compounded/credited monthly and can be distributed by check to the address on file.
- Maturing Funds – Wire ($15 fee), cashier’s check to address on file, or internal transfer to checking/savings account.
- Beneficiaries – Using the Account Update Form, unlimited beneficiaries can be designated; percentages can be assigned; Social Security numbers required.
- Grace Period – 10 calendar days before automatic renewal.
Signature Federal Credit Union CD Features
- Competitive rates on all CD terms
- Free online and mobile banking
- Insured by the NCUA up to the maximum allowed by law
Bottom Line
With a unique selection of CD lengths to choose from, you can be sure to find an account that best fits all your banking needs. Take advantage of a low required minimum balance of just $500.
This is ideal for accounts like Certificate of Deposits, which require very little maintenance. The rates are worth a look, but always compare them with the nation’s best using our guides: CD Rates | Savings Rates.
*While Signature Federal Credit Union does have competitive rates with their launch, their product line is limited. I recommend to take a look at Discover Bank Promotions here
| Western Alliance Bank | 5.01% APY 12-Month CD | Review |
| Idabel National Bank | 4.90% APY 24-Month CD | Review |
| Sallie Mae | 4.85% APY 27-Month CD | Review |
| Sallie Mae | 4.85% APY 23-Month CD | Review |
| Blue Federal Credit Union | 4.80% APY 15-Month CD | Review |
| Nationwide | 4.75% APY 12-Month CD | Review |
| Discover Bank | 4.75% APY 18-Month CD | Review |
| Bellco Credit Union | 4.75% APY 13-Month CD | Review |
| CIT Bank | 4.65% APY 13-Month CD | Review |
| FVCbank | 4.60% APY 12-Month No Penalty CD | Review |
| CIT Bank | 4.60% APY 18-Month CD | Review |
| Great Lakes Credit Union | 4.60% APY 12-Month CD | Review |
| Western Alliance Bank | 4.60% APY 6-Month CD | Review |
| SkyOne Federal Credit Union | 4.50% APY 15-Month CD | Review |
| Blue Federal Credit Union | 4.45% APY 9-Month No Penalty CD | Review |
| Quontic Bank | 4.45% APY 12-Month CD | Review |
| Western Alliance Bank | 4.45% APY 3-Month CD | Review |
| Ponce Bank | 4.41% APY 4-Month No-Penalty CD | Review |
| Sallie Mae | 4.40% APY 14-Month No-Penalty CD | Review |
| Sallie Mae | 4.25% APY 10-Month No-Penalty CD | Review |
| SkyOne Federal Credit Union | 4.20% APY 12-Month CD | Review |
| CIT Bank | 4.15% APY 6-Month CD | Review |
| CIT Bank | 4.15% APY 11-Month No-Penalty CD | Review |
This is a great opportunity to invest in a high-interest CD from Signature Federal Credit Union. However, you may want to compare them with our best CD Rates:
- Best 6-Month CD Rates
- Best 9-Month CD Rates
- Best 12-Month CD Rates
- Best 18-Month CD Rates
- Best 24-Month CD Rates
- Best 36-Month CD Rates
- Best 48-Month CD Rates
- Best 60-Month CD Rates
You might even find yourself earning more than a regular savings account. Be sure to apply as soon as you can to start your new account experience. Check back often for the latest Signature Federal Credit Union CD rates!
Disclaimer: Rates / APY terms above are current as of the date indicated. These quotes are from banks, credit unions and thrifts. Bank, thrift and credit union deposits are insured by the FDIC or NCUA. Contact the bank for the terms and conditions that may apply to you. Rates are subject to change without notice and may not be the same at all branches.
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