High Interest Savings

You work hard for your money. Let it return the favor.

Accelerate your savings with a Money Market account. Ideal for those who maintain a high balance, our tiered accounts offer a higher rate of return than traditional savings accounts and still allow you access to your funds 24 hours a day.

Money Market

Earn dividends with as little as $2,500
No monthly fee

Money Market Plus

Earn a higher yield on deposits of $25,000 or more
No monthly fee with balance of $25,000 or more, otherwise $10

High-Yield Money Market

Earn a high-yield dividend rate on balances of $50,000 or more
No monthly fee with balance of $50,000 or more, otherwise $10

Open an Account

Lock in a high rate and guaranteed return. Interest is compounded monthly and accounts can be easily rolled over once they reach maturity.

Basic Certificate

Minimum deposit of $500
Terms range from 3 to 60 months

Bump Certificate¹

Get a one-time bump to a higher rate
Add to your balance with one additional deposit

Flex Certificate²

Make a one-time withdrawal during your term
Option to make a one-time deposit or bump to a higher rate

Jumbo Certificate

Earn even higher dividend on balances of $100,000 or more
Terms range from 6 to 60 months

Open an Account

Saving for retirement? IRAs are a flexible savings option with potential tax benefits*, making them a great way to supplement a 401(k) or other employer-sponsored plan.

Compare IRAs

Good for those who want

Good for those who want
Tax deduction on contributions*

Tax deduction on contributions*
Tax-deferred earnings*

Tax-deferred earnings*
Tax-free growth on earnings*

Tax-free growth on earnings*
Tax-free withdrawals during retirement*

Tax-free withdrawals during retirement*
Required minimum distribution after 70 ½

Required minimum distribution after 70 ½
Available as a Savings account (view rates)

Available as a Savings account (view rates)
Available as a Certificate Account (view rates)

Available as a Certificate Account (view rates)
No annual maintenance fees

No annual maintenance fees

Traditional IRA

Good for those who want

- Deductions now
- Have income too high to qualify for a Roth IRA
- Expect to be in a lower tax bracket in retirement
Tax deduction on contributions*
Tax-deferred earnings*
Tax-free growth on earnings*
Tax-free withdrawals during retirement*
Required minimum distribution after 70 ½
Available as a Savings account (view rates)
Available as a Certificate Account (view rates)
No annual maintenance fees
Open Online

Roth IRA

Good for those who want

- Tax-free withdrawals in retirement,
- No required minimum distributions at 70 ½,
- Expect to be in at the same or higher tax bracket in retirement
Tax deduction on contributions*
Tax-deferred earnings*
Tax-free growth on earnings*
Tax-free withdrawals during retirement*
Required minimum distribution after 70 ½
Available as a Savings account (view rates)
Available as a Certificate Account (view rates)
No annual maintenance fees
Open Online

SEP IRA

Have a Simplified Employee Pension (SEP) with your employer? Open your SEP IRA online and start saving for retirement today.

Open Online

IRA Transfers and Rollovers

If you have an IRA at another institution, you can simplify your finances by transferring or rolling you’re your funds to your Sound IRA. Call our Contact Center or visit your local branch to get started.

A Coverdell Education Savings Account (ESA) is a tax-favored account that helps pay for qualifying college and K-12 education expenses. Earnings on contributions may be tax-free and qualifying withdrawals are tax- and penalty-free.* You can even easily change beneficiaries should education priorities change.

ESA Requirements

The beneficiary must be under age 18, unless they are special needs
All funds must be used by age 30
Responsible individual on the account must be a parent or legal guardian of the beneficiary
Annual contribution maximum is $2,000

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