Loan Rates

Auto Loans
New AutosModel years 2012 or newer
TermAPR Range*
80% loan to value (LTV) or less
APR Range*
81% loan to value (LTV) or more
0 - 36 months1.54% - 12.09%1.79% - 12.34%
37 - 48 months2.04% - 12.59%2.29% - 12.84%
49 - 60 months2.54% - 13.09%2.79% - 13.34%
61 - 72 months2.79% - 13.34%3.04% - 13.59%
73 - 84 months3.29% - 13.84%3.54% - 14.09%
85 - 96 months4.29% - 5.09%4.54% - 5.34%
Used AutosModel years 2004-2011
TermAPR Range*
80% loan to value (LTV) or less
APR Range*
81% loan to value (LTV) or more
0 - 36 months1.54% - 12.09%1.79% - 12.34%
37 - 48 months2.04% - 12.59%2.29% - 12.84%
49 - 60 months2.54% - 13.09%2.79% - 13.34%
61 - 72 months2.79% - 13.34%3.04% - 13.59%
73 - 84 months3.29% - 13.84%3.54% - 14.09%
Green AutosModel years 2012 or newer
TermAPR Range*
80% loan to value (LTV) or less
APR Range*
81% loan to value (LTV) or more
0 - 36 months1.29% - 11.84%1.54% - 12.09%
37 - 48 months1.79% - 12.34%2.04% - 12.59%
49 - 60 months2.29% - 12.84%2.54 - 13.09%
61 - 72 months2.54% - 13.09%2.79% - 13.34%
73 - 84 months3.04% - 13.59%3.29% - 13.84%
85 - 96 months4.04% - 4.84%4.29% - 5.09%
Older Used AutosModel years 2003 and older
TermAPR Range*
80% loan to value (LTV) or less
APR Range*
81% loan to value (LTV) or more
0 - 60 months3.54% - 14.09%3.79% - 14.34%
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
Water & Snow Craft
TermAPR Range*
80% loan to value (LTV) or less
APR Range*
81% loan to value (LTV) or more
0 - 60 months3.54% - 14.09%3.79% - 14.34%
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
Other Vehicles
New & Used Motorcyles
Model years 2004 or newer
TermAPR Range*
0 - 60 months3.04% - 13.59%
61 - 72 months4.04% - 14.59%
73 - 84 months4.54% - 15.09%
RVs, Boats, Marine Mortgages
Model years 2004 or newer
TermAPR Range*
0 - 84 months3.54% - 14.09%
85 - 144 months4.54% - 15.09%
145 - 180 months5.04% - 6.84%
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
Other Loans
Share Secured
TermAPR Range*
0 - 60 monthsShare rate + 3.00%
Certificate Secured
TermAPR Range*
Certificate maturity dateCertificate rate + 3.00%
Bicycle Loan
TermAPR*
24 months5.99%
Personal Loan
TermAPR Range*
0 - 12 months5.95% - 12.95%
13 - 24 months6.45% - 13.45%
25 - 36 months6.95% - 13.95%
37 - 48 months7.45% - 14.45%
49 - 60 months7.95% - 14.95%
61 - 72 months8.95% - 15.95%
Green Personal Loan
TermAPR Range*
0 - 12 months5.70% - 12.70%
13 - 24 months6.20% - 13.20%
25 - 36 months6.70% - 13.70%
37 - 48 months7.20% - 14.20%
49 - 60 months7.70% - 14.70%
61 - 72 months8.70% - 15.70%
Personal Line of Credit
APR Range*8.95% - 15.95%
Visa Platinum¹
Low variable rate, Sound Rewards program, no annual fee, 25-day grace period
APR Range*10.95% - 18.95%
Visa Blue¹
Low variable rate, no annual fee, 25-day grace period
APR Range*8.95% - 17.95%
Visa Blue Secured¹
Low variable rate, no annual fee, credit line equal to 75% of amount pledged, 25-day grace period
APR Range*8.95% - 17.95%
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 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.

¹Variable Rate Information: Your rate may increase or decrease if the Prime Rate as published in the Wall Street Journal 5 days before the end of the previous month increases or decreases. Your rate can change monthly on the day of each billing  firstcycle following a change in the Prime Rate. Your rate will be equal to the Prime Rate plus a margin of: 5.70%-14.70% for Blue and Blue Secured; 7.70%-15.70% for Platinum. Any increase will take the form of more payments of the same amount. Your variable rate will never be more than the maximum rate allowed by applicable law.

Routing #: 325183220

Equal HousingNCUA