Home Loan Rates

First Mortgages Rate APR * Points
30 Year Fixed Rate 4.25% 4.403% .125
15 Year Fixed Rate 3.25% 3.569% .5
Adjustable RateContact us for current rates  
FHAContact us for current rates  
VAContact us for current rates  
Guaranteed Rural Housing (USDA)Contact us for current rates  
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Rates and fees are subject to change. Please check with your local branch, or call if we can answer any questions.
Effective as of April 1, 2014
Express Mortgage1 Term APR Range *
75% loan to value (LTV)Maximum 5 years3.24% - 3.74%
75% loan to value (LTV)Maximum 7 years3.49% - 3.99%
75% loan to value (LTV)Maximum 10 years3.74% - 4.24%
75% loan to value (LTV)Maximum 12 years3.99% - 4.49%
75% loan to value (LTV)Maximum 15 years4.24% - 4.49%
Rates and fees are subject to change. Please check with your local branch, or call if we can answer any questions.
Effective as of April 1, 2014
Home Equity Loans2 Term APR Range *
Fixed Home Equity Loans
Up to 70% LTVMaximum 5 Years2.99% - 5.99%
Up to 70% LTVMaximum 10 Years3.74% - 6.74%
Up to 70% LTVMaximum 15 Years4.49% - 6.24%
Up to 80% LTVMaximum 5 Years3.99% - 5.74%
Up to 80% LTVMaximum 10 Years4.74% - 6.49%
Up to 80% LTVMaximum 15 Years5.49% - 6.24%
Up to 100% LTVMaximum 5 Years4.99% - 5.99%
Up to 100% LTVMaximum 10 Years5.74% - 6.74%
Green Fixed Home Equity Loans
Up to 70% LTVMaximum 5 Years2.74% - 5.74%
Up to 70% LTVMaximum 10 Years3.49% - 6.49%
Up to 70% LTVMaximum 15 Years4.24% - 5.99%
Up to 80% LTVMaximum 5 Years3.74% - 5.49%
Up to 80% LTVMaximum 10 Years4.49% - 6.24%
Up to 80% LTVMaximum 15 Years5.24% - 5.99%
Up to 100% LTVMaximum 5 Years4.74% - 5.74%
Up to 100% LTVMaximum 10 Years5.49% - 6.49%
Fixed Home Equity Loans for Non-owner Occupied & Manufactured Homes
Up to 70% LTVMaximum 5 Years3.74% - 5.24%
Up to 70% LTVMaximum 10 Years4.49% - 5.99%
Up to 70% LTVMaximum 15 Years5.24% - 6.74%
Rates and fees are subject to change. Please check with your local branch, or call if we can answer any questions.
Effective as of April 1, 2014
Home Equity Lines of Credit2 Introductory APR ‡ APR Range*
Up to 70% LTV1.99%3.99% - 6.25%
70% - 80% LTV1.99%4.25% - 6.25%
80% - 100% LTV1.99%5.25% - 7.25%
Rates and fees are subject to change. Please check with your local branch, or call if we can answer any questions.
Effective as of April 1, 2014
Land Loans3 Term Rate APR *
50% Financing LTV20-year amortization/7-year balloon8.49%8.922%
Rates and fees are subject to change. Please check with your local branch, or call if we can answer any questions.
Effective as of April 1, 2014

*All loans:
APR is Annual Percentage Rate. 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. Verification of income may be required. Must be 18 years of age to qualify for a loan. Must be a Sound Credit Union member to participate. Anyone who lives or works in WA can join. Membership at Sound requires a savings account with a minimum balance of $25.

¹Express Mortgage Loan:
No fees, no closing costs except appraisal if needed. Homeowners insurance is required. A $345 early closure fee is applied if the loan is closed within the first 24 months. Borrow up to 75% of appraised value. Sound Credit Union will be in first lien position. Maximum loan amount of $249,999. Taxes and insurance will be paid by homeowner. Financing available on homes in Washington State.

²Home Equity Loans and Home Equity Lines of Credit:
Financing available on homes in Washington State. A $345 early closure fee is applied if the loan is closed within the first 24 months. Maximum loan amount is determined by the amount of equity in your home. Home equity line of credit has a variable rate based on Prime, as published in the Wall Street Journal, and subject to change during the term of the loan. Most home equity loans qualify for deductible interest. Consult your tax advisor for details. Homeowners insurance is required.

For Home Equity Lines of Credit, in no event will the regular Annual Percentage Rate be less than 3.99% or more than the lesser of 18% per annum of the maximum rate allowed by applicable law.

Borrow up to 100% of appraised value, $50,000 maximum, for Fixed Home Equity Loans and Home Equity Lines of Credit. Non-owner occupied and manufactured home Fixed Home Equity Loans: maximum LTV 70% with a maximum loan amount of $50,000. Non-owner occupied and manufactured home HELOC rates: Prime +2% to Prime +4% APR; maximum LTV 70% with a maximum loan amount of $50,000.

‡Introductory Rate:
Introductory rate available for twelve months after the loan is funded. At the beginning of the thirteenth month your regular rate will go into effect. Offer subject to change at any time.

³Land Loans:
Annual Percentage Rate is based on a loan amount of $100,000 with 50% down payment on a 20 year amortization with a 7-year balloon payment. Financing available up to 50% of the appraised value. To calculate the loan-to-value (LTV), take the land loan amount and divide that by the value of the land. Property must be zoned residential and cannot exceed ten (10) acres. Maximum loan amount $250,000. Sound Credit Union must be first lien position. 1.5% origination fee and other third party fees apply. Property must be located in Washington State. Additional terms may apply.

Routing #: 325183220

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