Dividends paid quarterly
Unleash the Full Potential of Your Money! As a member-focused not-for-profit credit union, we prioritize your financial well-being. By dedicating revenues to your benefit, we're able to provide competitive rates that make your money work harder for you.
No monthly service fees
It’s your money and we value your trust. Make deposits, accrue interest, and embark on your journey to financial freedom.
Customize to Your Needs
Whether you're aiming to build general savings or saving specifically for holidays, vacations, or college, we have the perfect solutions to meet your needs.
Find the Account that Fits Your Unique Needs
Traditional Savings
Your essential tool for managing your finances with confidence. Take a positive leap towards financial control with a traditional savings account.
Special Savings
You’ve already got a growing savings account, but you’re looking to open another for various reasons – we’ve got you covered!
Christmas Savings
Say goodbye to holiday stress by planning ahead with a Christmas savings account. Save throughout the year, combined with the convenience of Payroll deduction or Direct Deposit. When the holidays arrive, your funds will conveniently be deposited into your Signet checking account, ensuring a joyful and worry-free celebration!
Vacation Savings
With the power of Payroll Deduction or Direct Deposit, this account steadily grows throughout the year. When the time comes for those cherished family vacations or other special needs, you can withdraw the funds you've saved.
Health Savings Account
Take control of your healthcare costs with a flexible Health Savings Account, empowering you to make your own healthcare decisions. And, since you are the owner of your HSA, it doesn’t matter what your job status is or whether your employer makes contributions to your plan. Your HSA will always follow you. We also offer a health savings debit card for members to use.
Coverdell Education Savings
Transform your child's college dream into a reality with an Education Savings Account (ESA). Say goodbye to financial nightmares and embrace the confidence of effortlessly managing education expenses. From tuition and fees to books, supplies, and even room and board, this account is purpose-built. Experience tax-free earnings and watch as your savings blossom alongside their academic journey.
Savings Rates
Declared by the Board of Directors
| Account Type | Average Daily Balance | Rate | APY** |
|---|---|---|---|
| Regular & Special Savings | $100,000 and above | 1.00% | 1.00% |
| $25,000.01 - 99,999.99 | 0.85% | 0.85% | |
| $10,000.01 – 25,000.00 | 0.70% | 0.70% | |
| $5,000.01 – 10,000.00 | 0.50% | 0.50% | |
| $5.00 – 5,000.00 | 0.40% | 0.40% | |
| Christmas Savings | $5.00 and above | 0.40% | 0.40% |
| Vacation Savings | $5.00 and above | 0.40% | 0.40% |
| Health Savings | 1.00% | 1.00% | |
| IRAs - Variable Rate | 1.00% | 1.00% | |
| IRAs - Fixed Rate | See Below* | See Below* | |
| Higher-Rate Share Certificates | See Below* | See Below* |
*Interest rates and dividends are determined by the average daily balance method and credited to your account quarterly. Contact a member service representative for further information about fixed rate IRAs, applicable fees, terms and APY.
Savings Accounts with no activity for one year and balance less than $100.00 will be assessed a $10.00 monthly dormant fee. Children under 18 are exempt from dormant charges.
Other Services
When you open a simple $5 savings account with Signet, you have access to:
New & Used Car Value
Payroll Deduction
Check Cashing/Direct Deposit
Financial Counseling
Wire Transfers
Night Depository Drop Boxes
Free Notary Service