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Join A Credit Union in WA

Join a Credit Union in WA

Join a Credit Union in WA

We think you’ll like “credit unioning” better than banking.

Membership beats customership. As a local, member-owned cooperative, we return our profits to our 135,000+ members and the communities we serve. All Washingtonians welcome!

Competitive Rates, Lower Fees

As a not-for-profit co-op, we return our profits to our members in the form of more competitive rates, lower fees, and free or low-cost services. That’s good for your wallet and your peace of mind.

Stellar Service & Support

You know what never gets old? Talking to someone who can actually help you. Let us help you find the best ways to borrow, save, and manage your money.

Anytime Account Access

With digital banking, 55,000 fee-free ATMs, several dozen full-service branches and about a gajillion shared branching locations nationwide, you can access your money wherever, whenever.

Sound Credit Union has been a great blessing, so glad I dumped [my other bank]! Superb interest rates, “can-do” attitudes, friendly, convenient and free ATM transactions at any 7-11. The service has been excellent!

— Russel B., Bonney Lake

All Washingtonians welcome!

Our membership requirements are pretty easy to meet. If your answer to either of these questions is yes, then you qualify.
  • Do you live, work, or attend school in Washington?
  • Are you directly related to someone who meets that qualification?


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Why a credit union?

Our local presence and not-for-profit status have far-reaching benefits. By spending and hiring within our surrounding communities, Sound is able to better support both our members and our local economy.

$7.8 Billion in Economic Impact

Credit unions generated $7.8 billion in total gross economic activity for our state.*

11,000+ Jobs

Credit unions in Washington provide over 11,000 family wage jobs and $819 million in total compensation.*

Increased Access to Loans

As of September 2016, Washington credit unions had 2.5 million loans outstanding totaling $38.1 billion.*

  • Fees & Rates

    Fees & Rates

  • Who Can Join

    Who Can Join

  • Type of Organization

    Type of Organization

  • Governance


  • Focus


  • Federal Insurance

    Federal Insurance

Sound CU
  • Fees & Rates

    Fewer fees, lower rates

  • Who Can Join

    Anyone in field of membership

  • Type of Organization

    Not-for-Profit Cooperative

  • Governance

    Member Owned

  • Focus

    Giving back to our members

  • Federal Insurance

    NCUA Insured ($250K)


  • Fees & Rates

    More fees, higher rates

  • Who Can Join

    No eligibility criteria based on location or employer

  • Type of Organization

    For-Profit Corporation

  • Governance

    Shareholder Owned

  • Focus

    Increasing shareholder earnings

  • Federal Insurance

    FDIC Insured ($250K)


Member Benefits

Through our secure digital banking platform and mobile app, you can pay bills, send P2P payments, transfer money to other accounts, deposit checks, make a budget, and much more.

Sound has several dozen full-service branch locations, but as a credit union member, you can also bank in over 5,600 shared branches across the country. Plus, you’ll have access to over 55,000 fee-free ATMs! Find a branch or ATM near you.

As a not-for-profit co-op, our profits are returned to members as better rates and fewer fees. If you’re looking to refinance, we can often offer you a lower payment or more favorable terms. It’s one of our favorite things to do! See today’s rates.

Along with online articles and tools, we offer free financial workshops to help you feel confident in your finances.

We are always looking for ways to save our members money. Enjoy discounts at the Great Wolf Lodge, on TurboTax, and more! See all member perks.

We want to help protect your family with $2,000 Accidental Death and Dismemberment (AD&D) Insurance paid for you by Sound Credit Union. In addition to the $2,000.00 Credit Union Paid coverage, you can purchase Additional Coverage at group rates. Learn more about AD&D insurance.

Sound offers Early Pay, free for all Sound members, which delivers your direct deposit from an employer or government agency up to two days before your “official” payday. See all our personal banking services.

Giving back

By joining Sound, you put your money where your heart is. Here’s how our employees and members gave back in 2021:

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Local Non-Profits received financial support from Sound totaling more than $400k.

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Natural disaster relief efforts – Donated by our members, employees and Sound to help victims of the Washington wildfires.



College Scholarships awarded to 13 Sound members to pursue higher education.

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Back to School Support – Provided to 22 local schools and organizations for supplies as students returned to the classroom from remote learning.


Fighting Food Insecurity – Combined contributions to local food banks that generated over 450,000 meals for our community.

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Community Challenge – $20k given across all Sound branches and departments to our teams’ favorite charities and local small businesses.

How to Join

Here’s what you’ll need to open your account:

  • A government-issued ID with photo. Valid, unexpired state driver’s license, state-issued ID card, Military ID, or Passport book or card.
  • A U.S. taxpayer identification number. Your Social Security Number (SSN) or Tax Identification Number (TIN)
  • Valid mailing and physical addresses. If the address provided is different than the one listed on your credit report, you may need to provide proof of your address.

Ready to join? Become a member by opening a savings account. All it takes is 5 minutes, and $0 minimum opening deposit.

Would you prefer to join at your local branch? We love to meet our new members!