Loan Rates

Credit Cards APR Range*1
Rewards11.20% - 19.20%
Cash Back11.20% - 19.20%
Select9.20% - 18.20%
Select Secured9.20% - 18.20%
Rates and fees are subject to change. Please check with your local branch, or call if we can answer any questions.
Effective as of December 1, 2016
Auto Loans
New AutosModel years 2014 or newer
TermAPR Range*
80% loan to value (LTV) or less
APR Range*
81% loan to value (LTV) or more
0 - 36 months2.14% - 12.69%2.39% - 12.94%
37 - 48 months2.64% - 13.19%2.89% - 13.44%
49 - 60 months2.94% - 13.49%3.19% - 13.74%
61 - 72 months3.19% - 13.74%3.44% - 13.99%
73 - 84 months3.44% - 13.99%3.69% - 14.24%
85 - 96 months4.79% - 6.59%5.04% - 6.84%
Used AutosModel years 2006-2013; add 2% for prior model years
TermAPR Range*
80% loan to value (LTV) or less
APR Range*
81% loan to value (LTV) or more
0 - 36 months2.14% - 12.69%2.39% - 12.94%
37 - 48 months2.64% - 13.19%2.89% - 13.44%
49 - 60 months2.94% - 13.49%3.19% - 13.74%
61 - 72 months3.19% - 13.74%3.44% - 13.99%
73 - 84 months3.44% - 13.99%3.69% - 14.24%
85 - 96 months**4.79% - 6.59%5.04% - 6.84%
**Model years 2011-2013; 2006-2013 for diesel
Green AutosModel years 2014 or newer
TermAPR Range*
80% loan to value (LTV) or less
APR Range*
81% loan to value (LTV) or more
0 - 36 months1.89% - 12.44%2.14% - 12.69%
37 - 48 months2.39% - 12.94%2.64% - 13.19%
49 - 60 months2.69% - 13.24%2.94% - 13.49%
61 - 72 months2.94% - 13.49%3.19% - 13.74%
73 - 84 months3.19% - 13.74%3.44% - 13.99%
85 - 96 months4.54% - 6.34%4.79% - 6.59%
Motorcycles & Off-Road Vehicles
Model years 2006 or newer, add 2% for prior model years
TermAPR Range*
80% loan to value (LTV) or less
APR Range*
81% loan to value (LTV) or more
0 - 60 months2.99% - 13.54%3.24% - 13.79%
61 - 72 months3.99% - 14.54%4.24% - 15.29%
73 - 84 months4.49% - 15.04%4.74% - 15.29%
RVs, Boats, Marine Mortgages, Water & Snow Craft
Model years 2006 or newer, add 2% for prior model years
TermAPR Range*
80% loan to value (LTV) or less
APR Range*
81% loan to value (LTV) or more
0 - 84 months3.49% - 14.04%3.74% - 14.29%
85 - 144 months4.49% - 15.04%4.74% - 15.29%
145 - 180 months4.99% - 6.79%5.24% - 7.04%
181 - 240 months5.49% - 7.29%5.74% - 7.54%
Rates and fees are subject to change. Please check with your local branch, or call if we can answer any questions.
Effective as of December 6, 2016
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 months6.09%
Personal Loan
TermAPR Range*
0 - 12 months6.05% - 13.05%
13 - 24 months6.55% - 13.55%
25 - 36 months7.05% - 14.05%
37 - 48 months7.55% - 14.55%
49 - 60 months8.05% - 15.05%
61 - 72 months9.05% - 16.05%
Green Personal Loan
TermAPR Range*
0 - 12 months5.80% - 12.80%
13 - 24 months6.30% - 13.30%
25 - 36 months6.80% - 13.80%
37 - 48 months7.30% - 14.30%
49 - 60 months7.80% - 14.80%
61 - 72 months8.80% - 15.80%
Personal Line of Credit
APR Range*8.95% - 15.95%
Rates and fees are subject to change. Please check with your local branch, or call if we can answer any questions.
Effective as of December 1, 2016

*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 first day of each billing cycle 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 Select and Select Secured; 7.70%-15.70% for Rewards and Cash Back. 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