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Limited-Time Certificate Specials
Earn up to
4.05%
APY*
Earn Smart, Save Fast
Safe. Predictable. Rewarding.
Certificates provide a fixed rate of return, making them a smart option when you want predictable earnings and peace of mind. With guaranteed rates and federally insured deposits, you can save confidently while working toward your financial goals.
Ready to Grow Your Savings?
Take advantage of these limited-time certificate specials and start earning more today.
Start earning more in just minutes.
Whether you’re building savings or investing a larger balance, our certificate specials can help you make the most of your money.
11-Month Certficate
- 3.95% APY*
- $500 Minimum
- Great for short-term savings goal
- Renews to a 12-month Cerficate at maturity
13-Month Jumbo Certificate
- 4.05% APY*
- $100,000 Minimum
- Ideal for maximizing returns on larger balances
- Renews to a 12-month Jumbo Certificate at maturity
Certificate Account Rates
Sound Credit Union aims to provide competitive interest rates for its members by matching certificate interest rates. Understanding that certificate interest rates are a crucial factor for individuals seeking secure and predictable investments, Sound employs various strategies to ensure that its certificate rates align with- or surpass those offered by other financial institutions. By closely monitoring the market, conducting thorough research and analysis, and considering factors such as market trends, risk assessment, competitive analysis, efficient operations, and a member-centric focus, Sound strives to match interest rates for its certificate products.
Benefits of a Certificate Account
Fixed Term
The certificate has a predetermined term of 10 months, providing a sense of stability and predictability to your investment.
Secure Investment
Certificates are considered low-risk investments which provide peace of mind and your funds are insured by NCUA.
Financial Goal Planning
The fixed term of a 10-month certificate allows you to align your investment with specific financial goals, such as saving for a down payment, vacation, or any other short-to-medium-term objective.
Consistent Returns
With a certificate, you can expect a consistent return on your investment as the interest rate remains fixed throughout the term.
Diversification
Investing in a 10-month certificate allows you to diversify your investment portfolio by adding a stable and reliable asset class.
Common Questions About Certificate Accounts (FAQs)
A Share Certificate Account is a type of savings account offered by Sound Credit Union. It allows you to earn a higher interest rate by depositing a fixed amount of money for a specific period of time, typically ranging from 3 months to 5 years.
Unlike a regular savings account, a share certificate typically offers a higher interest rate in exchange for locking in your money for a fixed term.
The key benefits of a Share Certificate Account include higher interest rates, security of your funds, and a guaranteed return on your investment. It’s an excellent option if you don’t need immediate access to your money and want to earn more on your savings.
The minimum deposit requirement will vary depending on the certificate. View our Current Rates to learn more.
When your Certificate Account reaches its maturity date, you have several options. You can choose to renew it for another term, withdraw the funds, or transfer the funds to another account at Sound. Be sure to review the options available to you.
Back to top Disclosures
*APY = Annual Percentage Yield. Offers valid for existing or new Sound members. Membership with a savings account at Sound Credit Union is required to participate in the offer. Anyone who lives or works in WA can join. Promotional rates and terms advertised are available for a limited time and subject to change without notice. Early withdrawal penalties apply and may reduce earnings. Minimum opening deposits are required.
11-Month Certificate: Minimum balance is $500. At maturity, certificate will roll into a new 12-month certificate. Unlimited deposits not available.
13-Month Jumbo Certificate: Minimum balance is $100,000. At maturity, certificate will roll into a new 12-month jumbo certificate. Unlimited deposits not available.
Federally Insured by NCUA.