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Who doesn’t want to feel more in control of their finances? As a nonprofit, every Signet customer is also part owner of the credit union.

So, what does that mean? Credit unions don’t have stockholders, so our profits are used to benefit you. We are able to offer higher savings rates, lower loan rates and lower fees for financial services. In fact, many services are fee free! 

Anyone who lives, works, attends church or school, or volunteers in the counties of Ballard, Calloway, Carlisle, Crittenden, Fulton, Graves, Hickman, Livingston, Lyon, Marshall and McCracken can bank with Signet. 

We highly value our Signet community and the journey each of you are on. We strive to be the financial lifeline for our community. We believe in building financially healthy homes and communities, to 

Want to open an account with us?  Fill out the application below to get started or stop by your local Signet branch!

Amanda Membership Testimonial

Ashleigh Membership Testimonial

Michael Membership Testimonial


Credit unions are nonprofit organizations while a bank is a for-profit institution. While banks work mainly for their stockholders, a credit union works for each of their members. At each, you can apply for a loan, a checking account, savings account and other financial services.

Many banks have high or confusing fees associated with their products and services. One of the benefits of a credit union is that they offer services for free or a small fee.

First, each member has a voice in their credit union. If they’re eligible for membership at a particular credit union, they’ll fill out an application to become a member. Then, they’ll have the ability to vote on different things happening within the credit union.

Instead of working to increase their stockholders’ dividends, they work for their members. Credit unions are nonprofit organizations and any profits made by the credit union are returned to the members in the form of reduced fees, higher savings rates and lower loan rates.  

For a deeper understanding of how a credit union works, call us or visit

Who doesn’t want to feel more in control of their finances? Every member is also part owner of their credit union. They generally offer lower loan rates, fewer fees and a more personalized service than your average bank. Hear from some of our members on why they chose to be a Signet member:

“I’ve been a member of this credit union since the early 60’s. I would not borrow money anywhere else. No way. It’s my hometown credit union and credit unions are the best.” – Will

“Quit banks because of signature loans. Have had 15 loans with Signet and with online banking payment is easy.” -Roy

Credit union membership eligibility is different for every credit union. Some are based on where you work, while others are based on where you live. For Signet, anyone can apply for membership who lives, works, worships, attends school or volunteers in Ballard, Calloway, Carlisle, Crittenden, Fulton, Graves, Hickman, Livingston, Lyon, Marshall or McCracken County.

Most loans offered by a bank are also offered by a credit union. You can find a home loan, car loan, recreational loan, even a small vacation loan with your local credit union.

You can apply for a Signet loan online or by meeting with one of our lenders in person. Learn more here. If you’re shopping for a car, we have several dealerships that offer a dealer direct loan through Signet. Find a qualifying dealership near you, here.

There are many added benefits of being a Signet Credit Union member. We offer payroll deduction and safety deposit box options. We also partner with TruStage Life Insurance where you are eligible for discounted life and car insurance through your Signet membership. You can learn more about that benefit here:

Need more information? Give us a call (800)795-2555 or learn more from the resources below.

5 Key Differences between Credit Unions and Banks

3 Reasons to join a Credit Union

How is a Credit Union different than a Bank?

Are You Ready to Take Ownership of Your Finances?
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