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1.99% promo APR until December 2021 when transferring balances thru December 31.

Muddy mountain biker smiling at camera with helmet on

Enjoy a low promo rate with no balance transfer fee and no annual fee.

Sound is offering a 1.99% promo APR* on all balance transfers made through December 31, 2020. These balances will remain at 1.99% promo APR through December 2021. After that, your ongoing variable rate will apply – currently 6.95%-18.95% APR.

Get Started

Transfer your balances from higher rate cards. Download, complete and return this balance transfer form.

Don’t have a Sound credit card?


* Cash advances are not eligible for the 1.99% promo APR.


Important Information About This Offer: Sound Home Equity and Business Rewards, Business Platinum, and Business Platinum Secured accounts are excluded from this offer. Promotional APR applied to balance transfers completed July 1, 2020 through December 31, 2020. Transaction amounts will be applied to your established credit limit and will be charged 1.99% promo APR until your statement period beginning in January 2022. After that, you will be charged the standard APR for purchases as described in your loan documents or any subsequent change in terms. Transactions that post after the promotional date or if your account is in default may be charged the applicable non-promotional terms (for example, APR and transaction fee) stated in your loan documents or any subsequent change in terms, or will be declined. Offer, rates, and fees subject to change. The APR on all other transactions and balances on your account will remain at the applicable rate in accordance with your Credit Card Agreement.

Transferring Balances: Sound Credit Union does not charge a balance transfer fee. Promotional balance transfers cannot be used to pay off another Sound Credit Union loan or line of credit. Please allow 2–3 weeks to process your balance transfer. Continue to make your payment on these accounts until the payment for the transferred amount appears on your other issuer’s statement. Sound Credit Union is not responsible for late payments on your other issuer’s account. We are not able to close your other accounts even if you transfer the entire balance. If you want to close the account, you will need to contact the issuer directly. Balances can be transferred up to your established limit.

Right to Decline: Under certain circumstances (for example, if your account is past due or over limit, or if we reasonably believe you will be unable or unwilling to repay the balance, or as described in your Credit Card Agreement), we may decline to process your transaction.

Credit Card Agreement: For further details about terms or conditions on your account, please refer to your Credit Card Agreement.

Rewards Cardholders: Sound Rewards points will be awarded on transactions from this promotion.

Cash Back Cardholders: Balance transfers are not eligible for cash back award.

Fees: Cash Advance, 4% of advanced amount ($10 min); Late Payment, up to $25.

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