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All Washingtonians are welcome!

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 170,000+ members and the communities we serve and more.

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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.

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Stellar Service & Support

We’re happy to help! Let us help you find the best ways to borrow, save, and manage your money.

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Anytime Account Access

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

Member Perks

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Free Financial Workshops

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

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Perks & Discounts

Enjoy perks and discounts with local partners, on TurboTax, and more. Follow Sound’s social accounts for the latest.

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Free AD&D insurance coverage

Protect your family with $2,000 Accidental Death and Dismemberment (AD&D) Insurance. Learn more about AD&D insurance

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Early Pay

Get your direct deposit from your employer or government agency up to two days before your “official” payday. Learn more.

“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

Make a positive impact with us.

At Sound, you can put your money where your heart is. See how our employees and members gave back in 2023.

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    Local Organizations Supported

    Local organizations received $579k+ in donations and sponsorships from Sound.

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    Employee Volunteer Hours

    402 Sound employees volunteered over 2,200 hours at local schools and non-profit organizations.

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    Financial Education & Career Support

    Combined scholarship and contributions to education-based organizations that foster student and career development such as WA Business Week, DECA and Communities in Schools.

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    Student Attendees

    Sound hosted 11 “Bite of Reality” experiential budgeting simulation workshops to 573 attendees with over 400 volunteer hours to immerse young adults in real-world finances.

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    To Local Food Banks

    Dollars donated to 8 local food banks and organizations including Arlington Community, Emergency Food Network, Food is Free, Snohomish Community, and World Food Program USA.

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    Affordable Housing
    3 Build Days

    Employees volunteered at three Habitat for Humanity build days to foster inclusive, sustainable and thriving communities.

See how you’re eligible to join.

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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What you’ll need

Valid Photo ID

Must be an unexpired state driver’s license, state-issued ID card, Military ID, or Passport book or card.

SSN or U.S. Taxpayer ID

Provide your Social Security Number (SSN) or Tax Identification Number (TIN)

Mailing Physical Address

If your address is different from 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.

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*Source: CUNA & Informa Research Center, ECONorthwest, NCUA for 12 months ending September 2017.
Federally insured by NCUA.