Limited Time Offer
Backyard Season is Here
4.99% Intro Rate HELOC
Make the Most of your PNW Summer
Get a 4.99% Intro APR on a new Home Equity Line of Credit (HELOC) for the first 6 months.
After that, pay your regular rate, currently 6.75% – 9.75%.
No upfront fees
No application fee, processing fee, or closing costs.
Flexibility
Borrow what you need as you need it.
Easy Access to Funds
Access your line of credit with your Equity credit card or an online balance transfer.
Applying for a Sound HELOC is Easy.
Take the next step.
Common Questions About HELOCs
A home equity loan is a consumer loan secured by a second mortgage, allowing homeowners to borrow against the equity in their home. They are recommended to be used for long-term, ongoing expenses like home renovations, medical bills, or college tuition.
Sound Credit Union offers home equity loans.
Home equity loans use the equity in your home – the difference between your home’s value and your mortgage balance – as collateral for the loan.
Sound Credit Union offers home equity loans.
- Heating and cooling systems
- Windows
- Water heating systems
- Appliances
- Insulation, air and duct sealing
- Solar and wind energy
- Skylights and suntubes
- Xeriscaping – landscapes that need little watering
- Gas conversions
Other environmentally-friendly projects will be considered on case by case basis.
Ways to make your Loan Payment
It’s easy to make one-time payments or set up recurring payments.
Pay from a Sound Account
- Online – Log into your account and select Transfer & Pay > Sound Transfer & Payments to transfer your one-time payment or set up recurring payments.
- Use Online, Mobile or Telephone Banking to make a one-time or recurring payment transfer.
- Contact us in the way that’s most convenient for you and we’ll transfer the payment for you.
Pay from another Financial Institution
- Online – Log into your Sound account and select:
- Transfer & Pay > External Transfers to transfer money from an account you have at another financial institution
- Transfer & Pay > External Payments to set up a payment using your debit card or an account at another financial institution.
- Mobile Deposit (check) – Download the Sound app and use Mobile Deposit to deposit a check into your savings or checking, then transfer the payment to your loan.
- Pay by ACH or Debit Card – Set up an expedited loan payment to your Sound credit card, vehicle, personal, home equity or Express Mortgage using your debit card or an account at another financial institution. (Fees apply. Maximum payment amount is $1,500)
- Set up automatic payments (ACH Payment) – Complete the ACH Debit Authorization form, allowing us to deduct your payment automatically each month from your chosen account.
Pay in Person (cash or check)
- Visit a Sound branch to make your payment by cash or check.
- Visit a CO-OP Shared Branching location to make your payment.
Pay by Mail
Please include the last four digits of your account number and the loan number on your check.
Sound Credit Union
PO Box 1595
Tacoma WA 98401
Pay a Sound Mortgage
- Online – Make payments online through the Mortgage Payment Center
- By Mail (check) – Send payments along with your monthly tear-off coupon to the address below:
Sound Credit Union
Attn: Payment Processing
PO Box 11733
Newark NJ 07101‐4733
HELOC Payment Calculator
Use this calculator to help you determine how much you could save by paying more. Continue reading
Home Refinance Calculator
Refinancing could reduce your monthly mortgage payments, freeing up your budget for other priorities. Continue reading
HELOC: How Does It Work
Learn how a HELOC works, its pros & cons, and how it can help fund major expenses. Continue reading
What Is a Home Equity Loan? A Simple Guide for Homeowners
Wondering “What Is a Home Equity Loan”? Find All the Answers You’ll Need Here, Including How They Work, Requirements to Qualify, and How to Get One. Continue reading
Disclosures
All loans are subject to Sound Credit Union lending policies. Verification of income may be required. 4.99% introductory APR is available on new HELOC Prime Equity loans for 6 months after the loan is funded. At the beginning of the seventh month, your regular, variable rate ranging from 6.75% – 9.75% will go into effect. Introductory rate is valid on purchases, cash advances, and balance transfers. Offer applies to applications submitted on or after July 1, 2026 and ends on September 30, 2026. All loans are subject to credit approval. Your rate and credit limit will be determined based on individual creditworthiness including income, debt ratio, and employment. Must be 18 years of age to qualify for a loan. Homeowners insurance is required. A $525 early closure fee is applied if the loan is closed within the first 24 months. Estimated appraisal cost is $850 and is subject to change. Maximum loan amount is determined by the amount of equity in your home. Equity in your home is based on appraised value. The APR includes only interest and no other costs and is based on the value of an index. This index is the Prime Rate published in the Wall Street Journal and could change at any time. Sound will use the most recent Index available to us as of 5 days before the date of any change to the Annual Percentage Rate. To determine the Annual Percentage Rate which will apply to your account, a margin will be added to your current Index rate. Home equity line of credit has a variable rate feature and an APR (corresponding to the monthly periodic rate) and the minimum payment may change as a result. In no event will the Annual Percentage Rate be less than 3.99% or more than the lesser of 18% per annum or the maximum rate allowed by applicable law. Borrow up to 90% of appraised value. For 81%-90% of appraised value, borrow up to $50,000 maximum for Home Equity Loans and Home Equity Lines of Credit. Rate and offer are subject to change at any time. Mortgaged property must be in Washington, Oregon, or Idaho. Must be a Sound Credit Union member to participate.
NMLS# 691150