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Personal Rates & Fees

New Autos

Refinance your auto loan to Sound. Get 2% cash back!

Used Autos

Refinance your auto loan to Sound. Get 2% cash back!

Green Autos

Refinance your auto loan to Sound. Get 2% cash back!

RVs, Boats, Water & Snow Craft

1% APR Discount on Toy Loans.

Motorcycles & Off-Road Vehicles

1% APR Discount on Toy Loans.

*APR = 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. Sound does not do construction or land loans at this time. 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. Lowest rates reflect a 0.25% discount for automatic payments from a qualifying Sound checking account and also assumes a loan-to-value discount.

First Mortgages

Get a personalized rate quote >>

Express Home Equity Mortgages
Fixed Home Equity Loans
Green Fixed Home Equity Loans
Fixed Home Equity Loans (Non-owner Occupied)
Green Fixed Home Equity Loans (Non-owner Occupied)
Home Equity Lines of Credit

*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. Sound does not offer construction, interest only or land loans at this time. 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.

Credit Cards

2.99% promo APR thru December 2023 on Visa balance transfers by December 31, 2022.

*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.

Personal Loan

60-Day Loan Payment Deferral Option on Personal Loans

Personal Line of Credit
Green Personal Loan
Share Secured
Certificate Secured

*APR = 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.

Checking Accounts
Savings Accounts
High-Yield Money Market
Certificates

Put money in, get good vibes out. 13 & 21-Month Certificate Specials.

Jumbo Certificates
IRA Certificates

*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. Fees may reduce earnings. 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.

Checking Account Fees
ATM and Card Fees
Loan Fees
Other Service Fees
Safe Deposit Box Annual Rental Fees
Membership Requirement

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. Fees may reduce earnings. 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.