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Business Accounts

Business Certificates at Sound

High Rates to Help Your Money, and Business Grow

Interest is compounded monthly and accounts can easily be rolled over once they reach maturity.

Lock in a high rate. Guarantee a return.

We offer a variety of business certificates and flexible features to round-out your business investments.

Basic Certificate

  • Minimum deposit of $500
  • Terms from 3 to 60 months
  • Add to your balance unlimited additional deposits
APPLY ONLINE

Bump Certificate¹

  • Get a one-time bump to a higher rate
  • Add to your balance unlimited additional deposits
APPLY ONLINE

Flex Certificate²

  • Make a one-time withdrawal during your term
  • Option to make a one-time bump to a higher rate
  • Add to your balance unlimited additional deposits
APPLY ONLINE

Jumbo Certificate

  • Earn even higher dividend on balances of $100,000 or more
  • Terms range from 6 to 60 months
  • Add to your balance unlimited additional deposits
APPLY ONLINE

Business Certificate Rates

Business Certificates

Term

Dividend Rate

APY*

Minimum Balance

Rates and fees are subject to change. Early withdrawal penalties apply and may reduce earnings. Please check with your local branch, or call if we can answer any questions.

*APY = Annual Percentage Yield

10-Month Certificate with Rate-Bump (Offer ended June 30): 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. Certificate: Minimum balance is $500. At maturity, certificate will roll into a new 12-month certificate. Rate Bump: One time upon request, we will increase your rate to the current 10-Month rate at the same term. The new dividend will not be applied retroactively.

Unlimited Deposits: Make additional deposits at any time during the term of the certificate.

Bump Certificate: Minimum balance is $2,500. Rate Bump: One time upon request, we will increase your rate to the current Bump Certificate rate at the same term. The new dividend will not be applied retroactively. Penalty-Free Deposits: Unlimited deposits.

Flex Certificate: Minimum balance is $2,500. Add-on option: Unlimited deposits. Bump option: Upon request, rate will be increased to current Flex Certificate rate. Withdrawal option: Withdrawal amount cannot reduce the balance to less than the $2,500 minimum.

Note: All savings accounts which have dividends compounded and credited are paid monthly.

This Rate and Fee Schedule sets forth current conditions, rates, fees and charges applicable to your accounts at Sound Credit Union at this time. The Credit Union may offer other dividend rates, annual percentage yields and fees or amend the dividend rates, annual percentage yields and fees contained in this schedule from time to time. Fees may reduce earnings. Each account holder agrees to the terms set forth on this Rate and Fee Schedule and acknowledges that it is a part of the Membership and Account Agreement. Federally insured by NCUA.

Term

3 Months

Dividend Rate

2.47%

APY*

2.50%

Minimum Balance

$500

Term

6 Months

Dividend Rate

3.44%

APY*

3.50%

Minimum Balance

$500

Term

10 Months (Bump)

*Offer ended June 30

Dividend Rate

4.36%

APY*

4.45%

Minimum Balance

$500

Term

12 Months

Dividend Rate

3.69%

APY*

3.75%

Minimum Balance

$500

Term

18 Months (Flex)

Dividend Rate

2.95%

APY*

2.99%

Minimum Balance

$2,500

Term

24 Months

Dividend Rate

2.72%

APY*

2.75%

Minimum Balance

$500

Term

30 Months (Flex)

Dividend Rate

2.47%

APY*

2.50%

Minimum Balance

$2,500

Term

36 Months

Dividend Rate

2.62%

APY*

2.65%

Minimum Balance

$500

Term

36 Months (Bump)

Dividend Rate

2.62%

APY*

2.65%

Minimum Balance

$2,500

Term

48 Months

Dividend Rate

2.47%

APY*

2.50%

Minimum Balance

$500

Term

60 Months

Dividend Rate

2.47%

APY*

2.50%

Minimum Balance

$500

Term

60 Months (Bump)

Dividend Rate

2.47%

APY*

2.50%

Minimum Balance

$2,500
Business Jumbo Certificates

Term

Dividend Rate

APY*

Minimum Balance

Rates and fees are subject to change. Early withdrawal penalties apply and may reduce earnings. Please check with your local branch, or call if we can answer any questions.

*APY = Annual Percentage Yield

Unlimited Deposits: Make additional deposits at any time during the term of the certificate.

Note: All savings accounts which have dividends compounded and credited are paid monthly.

This Rate and Fee Schedule sets forth current conditions, rates, fees and charges applicable to your accounts at Sound Credit Union at this time. The Credit Union may offer other dividend rates, annual percentage yields and fees or amend the dividend rates, annual percentage yields and fees contained in this schedule from time to time. Fees may reduce earnings. Each account holder agrees to the terms set forth on this Rate and Fee Schedule and acknowledges that it is a part of the Membership and Account Agreement. Federally insured by NCUA.

 

Term

6 Months

Dividend Rate

3.69%

APY*

3.75%

Minimum Balance

$100,000

Term

12 Months

Dividend Rate

3.93%

APY*

4.00%

Minimum Balance

$100,000

Term

18 Months

Dividend Rate

3.20%

APY*

3.25%

Minimum Balance

$100,000

Term

24 Months

Dividend Rate

2.97%

APY*

3.01%

Minimum Balance

$100,000

Term

36 Months

Dividend Rate

2.87%

APY*

2.91%

Minimum Balance

$100,000

Term

60 Months

Dividend Rate

2.72%

APY*

2.23%

Minimum Balance

$100,000

Explore related business accounts.

Business Money Market

Earn a competitive, tiered dividend rate on your account balances with unmatched liquidity.

Learn more

High Yield Business Savings Account

We understand the importance of maximizing the returns on your business funds while maintaining liquidity and security.
Learn more

Our Business Banking Team is available to assist in customizing your business finances so you’re a step-ahead.

New business members with a Sole Proprietorship or a Single-Member LLC can now apply for their Business Membership & Certificate Accounts online3.

Open a Business AccountContact us to Get Started
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Disclosures

Requires Sound membership.
1 Minimum balance is $2,500. Rate Bump: One time upon request, we will increase your rate to the current Bump Certificate rate at the same term. The new dividend will not be applied retroactively. Penalty-Free Deposit: One-time additional deposit must be a minimum of $1,000 and cannot make the certificate exceed its maximum balance of $250,000.
2 Add-on option: Minimum addition is $1,000; maximum is $75,000. Bump option: Upon request, rate will be increased to current Flex Certificate rate. Withdrawal option: Withdrawal amount cannot reduce the balance to less than the $2,500 minimum.
3 Online business account opening is only available to new members whose businesses are either Sole Proprietorships or Single-Member LLCs. If you’re an existing business member or your business has a different structure, contact our Business Services Team.

FEDERALLY INSURED BY NCUA