Loan Rates
New & Used Auto Loans
Effective Date: April 1, 2026
| Term | APR* |
|---|---|
| New Auto Loan | |
| Up to 48 months | As low as 5.25% |
| 60 months | As low as 6.25% |
| 72 months | As low as 6.75% |
| 84 months | As low as 7.25% |
| Used Auto Loan (Based on Kelly Blue Book Value) | |
| Up to 36 months | As low as 6.25% |
| 48 months | As low as 6.75% |
| 60 months | As low as 7.25% |
| 72 months | As low as 7.75% |
| Older Used Auto Loan (7 years & older) | |
| 48 months | As low as 7.75% |
*All Credit Union loan programs, rates, terms and conditions are subject to change without notice.
*All loans subject to credit approval.
*All rates expressed “as low as” includes 25 basis point reduction for automatic payment.
*Rate may vary based on individual creditworthiness.
Personal Loan Rates
Effective Date: April 1, 2026
| Term | APR* |
|---|---|
| Personal Loan Rates | |
| Up to 12 months | As low as 6.49% |
| 18 months | As low as 6.99% |
| 24 months | As low as 7.49% |
| 36 months | As low as 8.49% |
| 48 months | As low as 8.99% |
| Personal Loan Special** | |
| Up to 12 months | As low as 4.99% |
| 18 months | As low as 5.49% |
| 24 months | As low as 5.99% |
*All Credit Union loan programs, rates, terms and conditions are subject to change without notice.
*All loans subject to credit approval.
*All rates expressed “as low as” includes 25 basis point reduction for automatic payment.
*Rate may vary based on individual creditworthiness.
**$5,000.00 maximum amount, minimum credit score 700
Share/Certificate Secured Loan Rates
Effective Date: April 1, 2026
| Term | APY |
|---|---|
| Up to 12 months | Share/CD Rate +2.50% |
| 13 to 60 months | Share/CD Rate +2.75% |
HELOC Loan Rates
Effective Date: April 1, 2026
| Type | APR* |
|---|---|
| Owner Occupied Properties ($250,000 Maximum, Variable rates adjust semi-annually) | |
| Promotional (as low as) | 4.75% |
| Current Variable | 7.75% |
*All Credit Union loan programs, rates, terms and conditions are subject to change without notice.
*All loans subject to credit approval.
*All rates expressed “as low as” includes 25 basis point reduction for automatic payment.
*Rate may vary based on individual creditworthiness.
Deposit Rates
Savings Accounts
Effective Date: March 31, 2026
| Account Amount | Dividend Rate APY* |
|---|---|
| Up to $20,000 | 0.10% |
| $20,000.01 to $40,000 | 0.15% |
| $40,000.01 to $100,000 | 0.20% |
| $100,000.01 + | 0.25% |
| Military Saves** | 1.00% |
IRA Rates
| Account Type | Dividend Rate APY** |
|---|---|
| Traditional or Roth IRA Share | 0.65% |
| 12 Month IRA Share Certificate | 3.50% |
| 24 Month IRA Share Certificate | 3.75% |
Checking Rates
| Account Type | Dividend Rate APY* |
|---|---|
| Checking | 0.05% |
Certificate Rates
Effective Date: April 1, 2026
| Term | Minimum Balance | APY* |
|---|---|---|
| 6 Month Share Certificate | $500 | 2.75% |
| 12 Month Share Certificate | $500 | 3.25% |
| 12 Month Share Certificate Special** | $500 | 3.50% |
| 18 Month Share Certificate | $500 | 3.25% |
| 24 Month Share Certificate | $500 | 3.25% |
| 36 Month Share Certificate | $500 | 3.50% |
| 48 Month Share Certificate | $500 | 3.75% |
| 60 Month Share Certificate | $500 | 4.00% |
| 12 Month IRA Share Certificate | $500 | 3.50% |
| 24 Month IRA Share Certificate | $500 | 3.75% |
**Offer is effective as of 1/1/2026 and is subject to change or discontinue at any time, without notice. Minimum amount required to open certificate is $500.00. Maximum deposit amount with existing Signia Credit Union funds is $25,000.00 per member. No deposit limit amount from funds at another financial institution. An early withdrawal penalty may reduce the earnings on the account. Federally Insured by NCUA.