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Personal Rates & Fees

Checking Deposit Rates

Checking

Dividend Rate

APY *

Minimum Balance To Earn APY *

1Minimum balance to avoid a fee: $500, otherwise $5 per month
2For members age 55 and better
Rates and fees are subject to change. Please check with your local branch, or call if we can answer any questions.
Effective as of September 1, 2017

Free Checking

N/A

N/A

N/A

Plus Checking

0.05%

0.05%

$1000

Advantage Checking1

0.05%

0.05%

$1000

Visions Checking2

0.05%

0.05%

N/A

High-Yield Checking Deposit Rates

High-Yield Checking

Dividend Rate

APY *

Minimum Balance To Earn APY *

Minimum balance to avoid a fee: $10,000, otherwise $10 per month
Rates and fees are subject to change. Please check with your local branch, or call if we can answer any questions.
Effective as of September 1, 2017

$0 - $9,999

0.05%

0.05%

N/A

$10,000-$24,999

0.1%

0.1%

$10,000

$25,000-$49,999

0.15%

0.15%

$25,000

$50,000 and Above

0.2%

0.2%

$50,000

Savings Deposit Rates

Savings

Dividend Rate

APY *

Minimum Balance to Open

Minimum Balance To Earn APY *

3Minimum balance to avoid a fee: $25, otherwise $5 per month
4For members age 17 and under
Rates and fees are subject to change. Please check with your local branch, or call if we can answer any questions.
Effective as of September 1, 2017

Prime Savings3

0.05%

0.05%

$25

$100

Minor Savings4

0.05%

0.05%

$5

N/A

Secondary Savings

0.05%

0.05%

N/A

N/A

IRA Savings

0.2%

0.2%

$25

N/A

Health Savings Accounts

0.15%

0.15%

$50

N/A

High-Yield Money Market Deposit Rates

High-Yield Money Market

Dividend Rate

APY *

Minimum Balance to Open

Minimum Balance To Earn APY *

Rates and fees are subject to change. Please check with your local branch, or call if we can answer any questions.
Effective as of September 1, 2017

$0-$9,999

0.1%

0.1%

$50

$0

$10,000-$24,999

0.15%

0.15%

$50

$10,000

$25,000-$49,999

0.2%

0.2%

$50

$25,000

$50,000-$99,999

0.3%

0.3%

$50

$50,000

$100,000-$249,999

0.4%

0.4%

$50

$100,000

$250,000 and Above

0.5%

0.5%

$50

$250,000

Certificate Account Rates

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.
Effective as of September 1, 2017

3 months

0.15%

0.15%

$500

6 months

0.25%

0.25%

$500

12 months

0.35%

0.35%

$500

18 months (Flex)

0.4%

0.4%

$2,500

24 months

0.7%

0.7%

$500

30 months (Flex)

0.8%

0.8%

$2,500

36 months

0.95%

0.95%

$500

36 months (Bump)

0.95%

0.95%

$2,500

48 months

1.2%

1.21%

$500

60 months

1.45%

1.46%

$500

60 months (Bump)

1.45%

1.46%

$2,500

Jumbo Certificate Rates

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.
Effective as of September 1, 2017

6 months

0.35%

0.35%

$100,000

12 months

0.45%

0.45%

$100,000

18 months

0.5%

0.5%

$100,000

24 months

0.8%

0.8%

$100,000

36 months

1.1%

1.1%

$100,000

60 months

1.55%

1.56%

$100,000

IRA Certificate Rates

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.
Effective as of September 1, 2017

12 months

0.5%

0.5%

$1,000

18 months

0.55%

0.55%

$1,000

24 months

0.85%

0.85%

$1,000

36 months

1.1%

1.1%

$1,000

60 months

1.6%

1.61%

$1,000

*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. 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.

Credit Cards

Credit Cards

APR Range*1

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.
Rates and fees are subject to change. Please check with your local branch, or call if we can answer any questions.
Effective as of September 1, 2017

Rewards

11.95% - 19.95%

Cash Back

11.95% - 19.95%

Select

9.95% - 18.95%

Select Secured

9.95% - 18.95%

*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.

First Mortgages

First Mortgage Type

Rate

APR*

Points

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

30-Year Fixed Rate

3.75%

3.948%

.75

15-Year Fixed Rate

3%

3.384%

1

5-Year Adjustable Rate

3.125%

3.079%

.875

7-Year Adjustable Rate

3.25%

3.192%

1

10-Year Adjustable Rate

3.25%

3.266%

1

FHA

3.75%

4.907%

.25

VA

3.75%

4.223%

.75

Guaranteed Rural Housing (USDA)

Contact us for current rates

Express Mortgages

Express Mortgage1

Term

APR Range *

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.
Rates and fees are subject to change. Please check with your local branch, or call if we can answer any questions.
Effective as of September 1, 2017

75% loan to value (LTV)

Maximum 5 years

3.39% - 3.89%

75% loan to value (LTV)

Maximum 7 years

3.64% - 4.14%

75% loan to value (LTV)

Maximum 10 years

3.89% - 4.39%

75% loan to value (LTV)

Maximum 12 years

4.14% - 4.64%

75% loan to value (LTV)

Maximum 15 years

4.39% - 4.45%

Fixed Home Equity Loans

Home Equity Loans2

Term

APR Range *

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.

For 81% to 90% of appraised value, borrow up to $50,000 maximum for Home Equity loans and Home Equity Lines of Credit. Non-owner occupied Fixed Home Equity Loans: maximum LTV 70% with a maximum loan amount of $150,000. Non-owner occupied HELOC rates: Prime +2% to Prime +4% APR; maximum LTV 70% with a maximum loan amount of $150,000.

Up to 70% LTV

Maximum 5 Years

3.39% - 6.39%

Up to 70% LTV

Maximum 10 Years

4.14% - 7.12%

Up to 70% LTV

Maximum 15 Years

4.89% - 6.64%

Up to 80% LTV

Maximum 5 Years

4.39% - 6.14%

Up to 80% LTV

Maximum 10 Years

5.14% - 6.89%

Up to 80% LTV

Maximum 15 Years

5.89% - 6.64%

Up to 90% LTV

Maximum 5 Years

6.14%

Up to 90% LTV

Maximum 10 Years

6.89%

Green Fixed Home Equity Loans

Home Equity Loans3

Term

APR Range *

3Home 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.

For 81% to 90% of appraised value, borrow up to $50,000 maximum for Home Equity loans and Home Equity Lines of Credit. Non-owner occupied Fixed Home Equity Loans: maximum LTV 70% with a maximum loan amount of $150,000. Non-owner occupied HELOC rates: Prime +2% to Prime +4% APR; maximum LTV 70% with a maximum loan amount of $150,000.

Up to 70% LTV

Maximum 5 Years

3.14% - 6.14%

Up to 70% LTV

Maximum 10 Years

3.89% - 6.87%

Up to 70% LTV

Maximum 15 Years

4.64% - 6.39%

Up to 80% LTV

Maximum 5 Years

4.14% - 5.89%

Up to 80% LTV

Maximum 10 Years

4.89% - 6.64%

Up to 80% LTV

Maximum 15 Years

5.64% - 6.39%

Up to 90% LTV

Maximum 5 Years

5.89%

Up to 90% LTV

Maximum 10 Years

6.64%

Fixed Home Equity Loans (Non-owner Occupied)

Home Equity Loans4

Term

APR Range *

4Home 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.

For 81% to 90% of appraised value, borrow up to $50,000 maximum for Home Equity loans and Home Equity Lines of Credit. Non-owner occupied Fixed Home Equity Loans: maximum LTV 70% with a maximum loan amount of $150,000. Non-owner occupied HELOC rates: Prime +2% to Prime +4% APR; maximum LTV 70% with a maximum loan amount of $150,000.

Up to 70% LTV

Maximum 5 Years

4.14% - 5.89%

Up to 70% LTV

Maximum 10 Years

4.89% - 6.64%

Up to 70% LTV

Maximum 15 Years

5.64% - 7.39%

Green Fixed Home Equity Loans (Non-owner Occupied)

Home Equity Loans5

Term

APR Range *

Rates and fees are subject to change. Please check with your local branch, or call if we can answer any questions.
Effective as of September 1, 2017
5Home 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.

For 81% to 90% of appraised value, borrow up to $50,000 maximum for Home Equity loans and Home Equity Lines of Credit. Non-owner occupied Fixed Home Equity Loans: maximum LTV 70% with a maximum loan amount of $150,000. Non-owner occupied HELOC rates: Prime +2% to Prime +4% APR; maximum LTV 70% with a maximum loan amount of $150,000.

Up to 70% LTV

Maximum 5 Years

3.89% - 5.64%

Up to 70% LTV

Maximum 10 Years

4.64% - 6.39%

Up to 70% LTV

Maximum 15 Years

5.39% - 7.14%

Home Equity Lines of Credit

Home Equity Lines of Credit6

Introductory APR ‡

APR Range*

Rates and fees are subject to change. Please check with your local branch, or call if we can answer any questions.
Effective as of September 1, 2017
‡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.
6Home 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.

For 81% to 90% of appraised value, borrow up to $50,000 maximum for Home Equity loans and Home Equity Lines of Credit. Non-owner occupied Fixed Home Equity Loans: maximum LTV 70% with a maximum loan amount of $150,000. Non-owner occupied HELOC rates: Prime +2% to Prime +4% APR; maximum LTV 70% with a maximum loan amount of $150,000.

Up to 70% LTV

2.49%

4.25% - 7.25%

70% - 80% LTV

2.49%

5.25% - 7.25%

80% - 90% LTV

2.49%

7.25%

*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.

New Autos

Term

APR Range*

Vehicles must be model year 2015 or newer

0 - 36 months

1.99% - 12.79%

37 - 48 months

2.49% - 13.29%

49 - 60 months

2.79% - 6.59%

61 - 72 months

3.04% - 13.84%

73 - 84 months

3.29% - 14.09%

Used Autos

Term

APR Range*

Vehicles must be model year 2007-2014; add 2% for prior model years.

0 - 36 months

1.99% - 12.79%

37 - 48 months

2.49% - 13.29%

49 - 60 months

2.79% - 13.59%

61 - 72 months

3.04% - 13.84%

73 - 84 months

3.29% - 14.09%

Green Autos

Term

APR Range*

Vehicle must be model year 2015 or newer.

0 - 36 months

1.74% - 12.54%

37 - 48 months

2.24% - 13.04%

49 - 60 months

2.54% - 6.34%

61 - 72 months

2.79% - 13.59%

73 - 84 months

3.04% - 13.84%

Motorcycles & Off-Road Vehicles

Term

APR Range*

Vehicles must be model year 2007 or newer; add 2% for prior model years.

0 - 60 months

3.09% - 13.89%

61 - 72 months

4.09% - 14.89%

73 - 84 months

4.59% - 15.39%

RVs, Boats, Water & Snow Craft

Term

APR Range*

Vehicle must be model year  2007 or newer. Add 2% for prior model years.

Rates and fees are subject to change. Please check with your local branch, or call if we can answer any questions.
Effective as of September 1, 2017

0 - 84 months

3.59% - 14.39%

85 - 144 months

4.59% - 15.39%

145 - 180 months

5.09% - 7.14%

Share Secured

Term

APR Range*

0 - 60 months

Share rate + 3.00%

Certificate Secured

Term

APR Range*

Certificate maturity date

Certificate rate + 3.00%

Bicycle Loan

Term

APR*

24 months

6.19%

Personal Loan

Term

APR Range*

0 - 12 months

6.15% - 13.15%

13 - 24 months

6.65% - 13.65%

25 - 36 months

7.15% - 14.15%

37 - 48 months

7.65% - 14.65%

49 - 60 months

8.15% - 15.15%

61 - 72 months

9.15% - 16.15%

Green Personal Loan

Term

APR Range*

0 - 12 months

5.9% - 12.9%

13 - 24 months

6.4% - 13.4%

25 - 36 months

6.9% - 13.9%

37 - 48 months

7.4% - 14.4%

49 - 60 months

7.9% - 14.9%

61 - 72 months

8.9% - 15.9%

Personal Line of Credit

Rates and fees are subject to change. Please check with your local branch, or call if we can answer any questions.
Effective as of September 1, 2017

APR Range*

8.95% - 15.95%

*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.

Checking Account Fees

Program

Fee Amount

Rates and fees are subject to change. Please check with your local branch, or call if we can answer any questions.
Effective as of September 1, 2017

Advantage Checking Low Balance

$5 per month if minimum balance not met

Plus Checking Monthly Service

$7.50 per month

High-Yield Checking Low Balance

$10 per month if minimum balance not met

Overdraft Transfer

$5 each day a transfer occurs

NSF (1 NSF or Courtesy Pay refund per calendar year upon request)

$32 per item

Courtesy Pay (1 NSF or Courtesy Pay refund per calendar year upon request)

$32 per item; no fee for items $5 or less

Stop Payment

$32 per request

On-Us Non-Member Check Replacement

$5 per request

Check Copies

$2 per copy, plus $20 per hour retrieval (2 copies free per statement)

Check Printing

Price varies depending on style

Savings Account Fees

Program

Fee Amount

Rates and fees are subject to change. Please check with your local branch, or call if we can answer any questions.
Effective as of September 1, 2017

Prime Savings Low Balance

$5 if balance falls below $25 on last day of the month

High-Yield Money Market Check Over Limit

$10 per check over 3 check per month limit

NSF (1 NSF or Courtesy Pay refund per calendar year upon request)

$32 per item

Loan Fees

Program

Fee Amount

Rates and fees are subject to change. Please check with your local branch, or call if we can answer any questions.
Effective as of September 1, 2017

Consumer Loan Late Payment

5% of payment, minimum $29, 10-day grace period

In-house Auto Refinance

1.50% of unpaid balance ($195 minimum)

Visa Credit Card Cash Advance

4% of advanced amount ($10 minimum)

Visa Credit Card Late Payment

$25

Title Transfer

$37.50

Title Release

$31

Title Perfection Refinance

$31

Telephone Electronic Payment

$9.95 per payment (not applied to Visa payments)

Card Replacement

$5 per replacement

Auto Insurance Fee for Lapsed Policies

$20

Skip-A-Pay (program available for eligible consumer loans)

$32 each

Home Equity Early Pay-off

$345 (if paid off and closed within 24 months)

Home Equity Reconveyance

$126

Subordination Fee

$245

Universal Commercial Code Search and Filing

At Cost

Other Service Fees

Program

Fee Amount

Rates and fees are subject to change. Please check with your local branch, or call if we can answer any questions.
Effective as of September 1, 2017

Account Reconciliation/Research

$20 per hour

Legal Action (garnishments/levies)

$50

Statement Copy

$2 per statement

Deposited Item Return

$15 per item

Collection Item

$15 per item or at cost if greater

Returned Item

$32 per item

Document Retrieval

$2 per page, plus $20 per hour

Photocopy

$0.50 per page

Overnight/Express Shipping

$25

Inactive Account (after 1 year and aggregate balance under $250)

$10 per month

Loose/Rolled Coin Processing

8% of transaction over $200

Early Account Closure

$10 (if closed within 90 days of opening)

ACH, Money Order and Cashier's Check Stop Payment (a stop payment can be placed on money orders and cashier's checks only if lost or stolen)

$32 per request

Wire Transfer (outgoing)

$25 per transfer

International Wire Transfer (outgoing)

$50 per transfer

Money Order

$2 each (free for Visions and Plus checking accounts)

Cashier's Check (third party)

$3 each (free for Visions and Plus checking accounts)

Membership Reopen

$10 per reopening

Visa Gift Card Purchase
($25 minimum, $1,000 maximum)

$3.95 per card at branches, $5.95 per card online

Online Banking & Bill Pay

Free

Wrong Address

$10 per quarter

ATM and Card Fees

Program

Fee Amount

Rates and fees are subject to change. Please check with your local branch, or call if we can answer any questions.
Effective as of September 1, 2017

Card Replacement

$5 per replacement ($25 per rush order)

Non-Network Card Withdrawal at Sound ATM

$3.50 per transaction

Safe Deposit Box Annual Rental Fees

Program

Fee Amount

Rates and fees are subject to change. Please check with your local branch, or call if we can answer any questions.
Effective as of September 1, 2017

3 X 5 X 21

$30

5 X 5 X 21

$40

3 X 10 X 21

$50

5 X 10 X 21

$60

10 X 10 X 21

$100

Box Drilling

$175

Replacement Key

$20

Membership Requirement

Program

Fee Amount

Rates and fees are subject to change. Please check with your local branch, or call if we can answer any questions.
Effective as of September 1, 2017

Membership Share/Savings

one (1) per share of $25 required

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. 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.

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