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Open a Certificate Account

Choose the Certificate Account you’d like to open from the links below. All it takes is a few minutes. Already started? Complete your saved application »

Get Ready

Have the following items ready and noted before you begin.

  • Drivers License
  • CURRENT MEMBERS: Your Sound member number
  • NEW MEMBERS: Welcome! If you’re opening your first account at Sound, a Prime Savings will also be opened in addition to the other account type you apply for.

Prefer to open a checking or savings account instead?

Certificate Accounts requires Sound membership. Early withdrawal penalties apply and may reduce earnings.


  • 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.


  • 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.

Want help opening your account?

Stop by your local branch

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