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Personal Accounts

Certificates at Sound

Lock in a high rate and guaranteed return.

Certificates of Deposit (CD) unlock special savings advantages.

Interest is compounded monthly and accounts can be easily rolled over once they reach maturity.

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Fixed Term

Choose a predetermined term between 3 and 10 months, providing a sense of stability and predictability to your investment.

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Flexibility

One of the key advantages is the option to make additional deposits during the term of the certificate. This flexibility allows you to increase your savings and maximize your returns.

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Security

Certificates are considered low-risk investments. Providing peace of mind and protecting your funds.

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5-Month Unlimited Add-On Certificate

Invest in a 5-month Certificate at Sound.  You’ll lock in a competitive rate and have the option to make unlimited additional deposits.

LEARN MORE

Certificate of Deposit Types

Interest is compounded monthly and accounts can be easily rolled over once they reach maturity.

Basic Certificate
  • Minimum deposit of $500
  • Terms range from 3 to 60 months
  • Add to your balance with unlimited deposits
Bump Certificate1
  • Minimum deposit of $2,500
  • Get a one-time bump to a higher rate
  • Choose from 36 or 60 month terms
  • Add to your balance with unlimited deposits
Flex Certificate2
  • Minimum deposit of $2,500
  • Get a one-time bump to a higher rate
  • Make a one-time withdrawal during your term
  • Add to your balance with unlimited deposits
Jumbo Certificate
  • Earn even higher dividends on balances of $100,000 or more
  • Terms range from 6 to 60 months
  • Add to your balance with unlimited deposits
Certificates

Certificate Accounts

Dividend Rate

APY*

Minimum Balance

Rates and fees are subject to change. Please check with your local branch, or call if we can answer any questions.

*APY = Annual Percentage Yield

Unlimited Deposits: Make additional deposits at any time during the term of the certificate.

“Thank You” Bump: To receive the 0.25% APY rate bump, certificate must be opened on the membership with qualifying account or loan. Qualifying accounts include any Sound Checking account with a $500 monthly direct deposit. Qualifying loans include First Mortgage, Commercial Real Estate, SBA, Business Lines of Credit or Term Loans, and must be in good standing. Accounts are reviewed monthly to determine if qualifications are met and rate bumps are applied/revoked upon that result.

Bump Certificate: 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 Deposits: Unlimited deposits.

Flex Certificate: Minimum balance is $2,500. Add-on option: Unlimited deposits. 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.

Note: All savings accounts which have dividends compounded and credited are paid monthly.

This Rate and Fee Schedule sets forth current conditions, rates, fees and charges applicable to your accounts at Sound Credit Union at this time. The Credit Union may offer other dividend rates, annual percentage yields and fees or amend the dividend rates, annual percentage yields and fees contained in this schedule from time to time. Fees may reduce earnings. Each account holder agrees to the terms set forth on this Rate and Fee Schedule and acknowledges that it is a part of the Membership and Account Agreement. Federally insured by NCUA.

Certificate Accounts

3 months

Dividend Rate

2.96%

APY*

3.00%

Minimum Balance

$500

Certificate Accounts

5 months  |  Add-On Special
   *Thank You Bump

Dividend Rate

4.79%
5.03%

APY*

4.90%
5.15%

Minimum Balance

$500

Certificate Accounts

6 months

Dividend Rate

4.65%

APY*

4.75%

Minimum Balance

$500

Certificate Accounts

12 months

Dividend Rate

4.41%

APY*

4.50%

Minimum Balance

$500

Certificate Accounts

18 months (Flex)

Dividend Rate

2.95%

APY*

2.99%

Minimum Balance

$2,500

Certificate Accounts

24 months

Dividend Rate

2.72%

APY*

2.75%

Minimum Balance

$500

Certificate Accounts

30 months (Flex)

Dividend Rate

1.74%

APY*

1.75%

Minimum Balance

$2,500

Certificate Accounts

36 months

Dividend Rate

2.62%

APY*

2.65%

Minimum Balance

$500

Certificate Accounts

36 months (Bump)

Dividend Rate

2.62%

APY*

2.65%

Minimum Balance

$2,500

Certificate Accounts

48 months

Dividend Rate

2.47%

APY*

2.50%

Minimum Balance

$500

Certificate Accounts

60 months 

Dividend Rate

2.23%

APY*

2.25%

Minimum Balance

$500

Certificate Accounts

60 months (Bump)

Dividend Rate

2.23%

APY*

2.25%

Minimum Balance

$2,500

Jumbo Certificates

Jumbo Certificates

Dividend Rate

APY*

Minimum Balance

Rates and fees are subject to change. Please check with your local branch, or call if we can answer any questions.

*APY = Annual Percentage Yield

Unlimited Deposits: Make additional deposits at any time during the term of the certificate.

Note: All savings accounts which have dividends compounded and credited are paid monthly.

This Rate and Fee Schedule sets forth current conditions, rates, fees and charges applicable to your accounts at Sound Credit Union at this time. The Credit Union may offer other dividend rates, annual percentage yields and fees or amend the dividend rates, annual percentage yields and fees contained in this schedule from time to time. Fees may reduce earnings. Each account holder agrees to the terms set forth on this Rate and Fee Schedule and acknowledges that it is a part of the Membership and Account Agreement. Federally insured by NCUA.

Jumbo Certificates

6 months

Dividend Rate

4.90%

APY*

5.01%

Minimum Balance

$100,000

Jumbo Certificates

12 months

Dividend Rate

4.66%

APY*

4.76%

Minimum Balance

$100,000

Jumbo Certificates

18 months

Dividend Rate

3.20%

APY*

3.25%

Minimum Balance

$100,000

Jumbo Certificates

24 months

Dividend Rate

2.97%

APY*

3.01%

Minimum Balance

$100,000

Jumbo Certificates

36 months

Dividend Rate

2.87%

APY*

2.91%

Minimum Balance

$100,000

Jumbo Certificates

60 months

Dividend Rate

2.48%

APY*

2.51%

Minimum Balance

$100,000

IRA Certificates

IRA Certificates

Dividend Rate

APY*

Minimum Balance

Rates and fees are subject to change. Please check with your local branch, or call if we can answer any questions.

*APY = Annual Percentage Yield

Note: All savings accounts which have dividends compounded and credited are paid monthly.

This Rate and Fee Schedule sets forth current conditions, rates, fees and charges applicable to your accounts at Sound Credit Union at this time. The Credit Union may offer other dividend rates, annual percentage yields and fees or amend the dividend rates, annual percentage yields and fees contained in this schedule from time to time. Fees may reduce earnings. Each account holder agrees to the terms set forth on this Rate and Fee Schedule and acknowledges that it is a part of the Membership and Account Agreement. Federally insured by NCUA.

IRA Certificates

12 months

Dividend Rate

4.41%

APY*

4.50%

Minimum Balance

$1,000

IRA Certificates

18 months

Dividend Rate

2.95%

APY*

2.99%

Minimum Balance

$1,000

IRA Certificates

24 months

Dividend Rate

2.72%

APY*

2.75%

Minimum Balance

$1,000

IRA Certificates

36 months

Dividend Rate

2.62%

APY*

2.65%

Minimum Balance

$1,000

IRA Certificates

60 months

Dividend Rate

2.23%

APY*

2.25%

Minimum Balance

$1,000

Open a Certificate today.

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Disclosures

Requires Sound membership. Early withdrawal penalties apply and may reduce earnings.
1Bump Certificate: 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 Deposits: Unlimited deposits.
2 Flex Certificate: Minimum balance is $2,500. Add-on option: Unlimited deposits. 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.

FEDERALLY INSURED BY NCUA