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Finance a Fresh Start with a Sound HELOC

Introductory rate of

on new Home Equity Lines of Credit for the first 6 months
Offer expires in




4.99% Intro APR on HELOCs for the first 6 months

After the intro rate pay the regular, variable rate, currently 8.50% – 11.50%. Offer ends on December 31, 2024.

You’re right where you’re meant to be. Make it perfect with a home equity line of credit.

Use your equity to fix up your fixer upper, cover major expenses, or consolidate debt.


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No upfront fees

No application fees, processing fees, or closing costs.

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Borrow what you need as you need it.

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Easy Access to Funds

Access your line of credit with your Equity credit card or an online balance transfer.

Common Questions About HELOCs

A home equity loan is a consumer loan secured by a second mortgage, allowing homeowners to borrow against the equity in their home. They are recommended to be used for long-term, ongoing expenses like home renovations, medical bills, or college tuition.

Sound Credit Union offers home equity loans. Learn More »

Home equity loans use the equity in your home – the difference between your home’s value and your mortgage balance – as collateral for the loan.

Sound Credit Union offers home equity loans. Learn More »

  • Heating and cooling systems
  • Windows
  • Water heating systems
  • Appliances
  • Insulation, air and duct sealing
  • Solar and wind energy
  • Skylights and suntubes
  • Xeriscaping – landscapes that need little watering
  • Gas conversions

Other environmentally-friendly projects will be considered on case by case basis.

Whether you’re looking to make a one-time payment, or set up a recurring payment schedule for your loan or credit card payment, we have options for you.

Making payments from a Sound savings or checking account:

  • Use Online, Mobile or Telephone Banking to make a one-time payment transfer.
  • Recurring payments can also be pre-scheduled in Online Banking.
  • Contact us in the way that’s most convenient for you and we’ll transfer the payment for you.

If you’re paying from an account at another financial institution:

Payments by Mail

Please include the last four digits of your account number and the loan number on your check.

Sound Credit Union
PO Box 1595
Tacoma WA 98401

Making payments to your Sound mortgage:

  • Make payments online through the Mortgage Payment Center
  • Send payments along with your monthly tear-off coupon to the address below
    Sound Credit Union
    Attn: Payment Processing
    PO Box 11733
    Newark NJ 07101‐4733

Applying for a Sound HELOC is Easy.

Applying online is quick and easy, take the next step.

Apply for a HELOC


All loans are subject to Sound Credit Union lending policies. Verification of income may be required. 4.99% introductory APR is available on new HELOC Prime Equity loans for 6 months after the loan is funded. At the beginning of the seventh month, your regular, variable rate ranging from 8.50% – 11.50% will go into effect. Introductory rate is valid on purchases, cash advances, and balance transfers. Offer applies to applications submitted on or after May 1, 2024 and ends on December 31, 2024. All loans are subject to credit approval. Your rate and credit limit will be determined based on individual creditworthiness including income, debt ratio, and employment. Must be 18 years of age to qualify for a loan. Homeowners insurance is required. A $525 early closure fee is applied if the loan is closed within the first 24 months. Estimated appraisal cost is $850 and is subject to change. Maximum loan amount is determined by the amount of equity in your home. Equity in your home is based on appraised value. The APR includes only interest and no other costs and is based on the value of an index. This index is the Prime Rate published in the Wall Street Journal and could change at any time. Sound will use the most recent Index available to us as of 5 days before the date of any change to the Annual Percentage Rate. To determine the Annual Percentage Rate which will apply to your account, a margin will be added to your current Index rate. Home equity line of credit has a variable rate feature and an APR (corresponding to the monthly periodic rate) and the minimum payment may change as a result. In no event will the Annual Percentage Rate be less than 3.99% or more than the lesser of 18% per annum or the maximum rate allowed by applicable law. Borrow up to 90% of appraised value. For 81%-90% of appraised value, borrow up to $50,000 maximum for Home Equity Loans and Home Equity Lines of Credit. Rate and offer are subject to change at any time. Mortgaged property must be in Washington, Oregon, or Idaho. Must be a Sound Credit Union member to participate.

NMLS# 691150

Intro Rate HELOC