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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 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.

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

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

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    Fight 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.

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.