Open an Account
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.
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.
Stellar Service & Support
We’re happy to help! Let us help you find the best ways to borrow, save, and manage your money.
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
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.
Perks & Discounts
Enjoy perks and discounts with local partners, on TurboTax, and more. Follow Sound’s social accounts for the latest.
Free AD&D insurance coverage
Protect your family with $2,000 Accidental Death and Dismemberment (AD&D) Insurance. Learn more about AD&D insurance
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!”
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 Supported346
Local organizations received $579k+ in donations and sponsorships from Sound.
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Employee Volunteer Hours2,200+
402 Sound employees volunteered over 2,200 hours at local schools and non-profit organizations.
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Financial Education & Career Support$225k
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 Attendees573
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$45k
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 Housing3 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.
Personal Memberships
Our membership requirements are pretty easy to meet.
If your answer to any 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?
Business Memberships
Sound offers a wide range of business banking solutions.
If your answer to the following question is yes, then your business qualifies.
- Is your business registered and located in Washington State?
Visit our Business Banking with Sound page to learn more and get started.
Online business account opening is available for Sole Proprietorships and Single-Member LLCs.
Online business account opening1 is only available to new members whose businesses are either Sole Proprietorships or Single-Member LLCs. If you’re an existing business member or your business has a different structure, contact our Business Services Team.
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.
Disclosures
FEDERALLY INSURED BY NCUA
1 Online business account opening is only available to new members whose businesses are either Sole Proprietorships or Single-Member LLCs. If you’re an existing business member or your business has a different structure, contact our Business Services Team.