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 June 1, 2018

Checking

Free Checking

Dividend Rate

N/A

APY *

N/A

Minimum Balance To Earn APY *

N/A

Checking

Plus Checking

Dividend Rate

0.05%

APY *

0.05%

Minimum Balance To Earn APY *

$1000

Checking

Advantage Checking1

Dividend Rate

0.05%

APY *

0.05%

Minimum Balance To Earn APY *

$1000

Checking

Visions Checking2

Dividend Rate

0.05%

APY *

0.05%

Minimum Balance To Earn APY *

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 June 1, 2018

High-Yield Checking

$0 - $9,999

Dividend Rate

0.15%

APY *

0.15%

Minimum Balance To Earn APY *

N/A

High-Yield Checking

$10,000-$24,999

Dividend Rate

0.2%

APY *

0.2%

Minimum Balance To Earn APY *

$10,000

High-Yield Checking

$25,000-$49,999

Dividend Rate

0.25%

APY *

0.25%

Minimum Balance To Earn APY *

$25,000

High-Yield Checking

$50,000 and Above

Dividend Rate

0.3%

APY *

0.3%

Minimum Balance To Earn APY *

$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 June 1, 2018

Savings

Prime Savings3

Dividend Rate

0.05%

APY *

0.05%

Minimum Balance to Open

$25

Minimum Balance To Earn APY *

$100

Savings

Minor Savings4

Dividend Rate

0.05%

APY *

0.05%

Minimum Balance to Open

$5

Minimum Balance To Earn APY *

N/A

Savings

Secondary Savings

Dividend Rate

0.05%

APY *

0.05%

Minimum Balance to Open

N/A

Minimum Balance To Earn APY *

N/A

Savings

IRA Savings

Dividend Rate

0.2%

APY *

0.2%

Minimum Balance to Open

$25

Minimum Balance To Earn APY *

N/A

Savings

Health Savings Accounts

Dividend Rate

0.15%

APY *

0.15%

Minimum Balance to Open

$50

Minimum Balance To Earn APY *

N/A

High-Yield Money Market Deposit Rates

High-Yield Money Market

Dividend Rate

APY *

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 June 1, 2018

High-Yield Money Market

$0-$9,999

Dividend Rate

0.2%

APY *

0.2%

Minimum Balance To Earn APY *

$0

High-Yield Money Market

$10,000-$24,999

Dividend Rate

0.25%

APY *

0.25%

Minimum Balance To Earn APY *

$10,000

High-Yield Money Market

$25,000-$49,999

Dividend Rate

0.3%

APY *

0.3%

Minimum Balance To Earn APY *

$25,000

High-Yield Money Market

$50,000-$99,999

Dividend Rate

0.4%

APY *

0.4%

Minimum Balance To Earn APY *

$50,000

High-Yield Money Market

$100,000-$249,999

Dividend Rate

0.5%

APY *

0.5%

Minimum Balance To Earn APY *

$100,000

High-Yield Money Market

$250,000 and Above

Dividend Rate

0.55%

APY *

0.55%

Minimum Balance To Earn APY *

$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 June 1, 2018

Certificate Accounts

3 months

Dividend Rate

0.3%

APY *

0.3%

Minimum Balance

$500

Certificate Accounts

6 months

Dividend Rate

0.4%

APY *

0.4%

Minimum Balance

$500

Certificate Accounts

12 months

Dividend Rate

0.7%

APY *

0.7%

Minimum Balance

$500

Certificate Accounts

18 months (Flex)

Dividend Rate

0.9%

APY *

0.9%

Minimum Balance

$2,500

Certificate Accounts

24 months

Dividend Rate

1%

APY *

1%

Minimum Balance

$500

Certificate Accounts

30 months (Flex)

Dividend Rate

1.1%

APY *

1.11%

Minimum Balance

$2,500

Certificate Accounts

36 months

Dividend Rate

1.45%

APY *

1.46%

Minimum Balance

$500

Certificate Accounts

36 months (Bump)

Dividend Rate

1.45%

APY *

1.46%

Minimum Balance

$2,500

Certificate Accounts

48 months

Dividend Rate

1.55%

APY *

1.56%

Minimum Balance

$500

Certificate Accounts

60 months

Dividend Rate

2%

APY *

2.02%

Minimum Balance

$500

Certificate Accounts

60 months (Bump)

Dividend Rate

2%

APY *

2.02%

Minimum Balance

$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 June 1, 2018

Jumbo Certificates

6 months

Dividend Rate

0.5%

APY *

0.5%

Minimum Balance

$100,000

Jumbo Certificates

12 months

Dividend Rate

0.8%

APY *

0.8%

Minimum Balance

$100,000

Jumbo Certificates

18 months

Dividend Rate

1%

APY *

1%

Minimum Balance

$100,000

Jumbo Certificates

24 months

Dividend Rate

1.05%

APY *

1.06%

Minimum Balance

$100,000

Jumbo Certificates

36 months

Dividend Rate

1.5%

APY *

1.51%

Minimum Balance

$100,000

Jumbo Certificates

60 months

Dividend Rate

2.05%

APY *

2.07%

Minimum Balance

$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 June 1, 2018

IRA Certificates

12 months

Dividend Rate

0.8%

APY *

0.8%

Minimum Balance

$1,000

IRA Certificates

18 months

Dividend Rate

0.95%

APY *

0.95%

Minimum Balance

$1,000

IRA Certificates

24 months

Dividend Rate

1.1%

APY *

1.11%

Minimum Balance

$1,000

IRA Certificates

36 months

Dividend Rate

1.45%

APY *

1.46%

Minimum Balance

$1,000

IRA Certificates

60 months

Dividend Rate

2.1%

APY *

2.12%

Minimum Balance

$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 June 1, 2018

Credit Cards

Rewards

APR Range*1

12.45% - 20.45%

Credit Cards

Cash Back

APR Range*1

12.45% - 20.45%

Credit Cards

Select

APR Range*1

10.45% - 19.45%

Credit Cards

Select Secured

APR Range*1

10.45% - 19.45%

*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

Get a personalized rate quote »

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 June 1, 2018

Express Mortgage1

75% loan to value (LTV)

Term

Maximum 5 years

APR Range *

3.54% - 4.04%

Express Mortgage1

75% loan to value (LTV)

Term

Maximum 7 years

APR Range *

3.79% - 4.29%

Express Mortgage1

75% loan to value (LTV)

Term

Maximum 10 years

APR Range *

4.04% - 4.54%

Express Mortgage1

75% loan to value (LTV)

Term

Maximum 12 years

APR Range *

4.29% - 4.79%

Express Mortgage1

75% loan to value (LTV)

Term

Maximum 15 years

APR Range *

4.54% - 4.6%

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.

Home Equity Loans2

Up to 70% LTV

Term

Maximum 5 Years

APR Range *

3.54% - 6.54%

Home Equity Loans2

Up to 70% LTV

Term

Maximum 10 Years

APR Range *

4.29% - 7.27%

Home Equity Loans2

Up to 70% LTV

Term

Maximum 15 Years

APR Range *

5.04% - 6.79%

Home Equity Loans2

Up to 80% LTV

Term

Maximum 5 Years

APR Range *

4.54% - 6.29%

Home Equity Loans2

Up to 80% LTV

Term

Maximum 10 Years

APR Range *

5.29% - 7.04%

Home Equity Loans2

Up to 80% LTV

Term

Maximum 15 Years

APR Range *

6.04% - 6.79%

Home Equity Loans2

Up to 90% LTV

Term

Maximum 5 Years

APR Range *

6.29%

Home Equity Loans2

Up to 90% LTV

Term

Maximum 10 Years

APR Range *

7.04%

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.

Home Equity Loans3

Up to 70% LTV

Term

Maximum 5 Years

APR Range *

3.29% - 6.29%

Home Equity Loans3

Up to 70% LTV

Term

Maximum 10 Years

APR Range *

4.04% - 7.02%

Home Equity Loans3

Up to 70% LTV

Term

Maximum 15 Years

APR Range *

4.79% - 6.54%

Home Equity Loans3

Up to 80% LTV

Term

Maximum 5 Years

APR Range *

4.29% - 6.04%

Home Equity Loans3

Up to 80% LTV

Term

Maximum 10 Years

APR Range *

5.04% - 6.79%

Home Equity Loans3

Up to 80% LTV

Term

Maximum 15 Years

APR Range *

5.79% - 6.54%

Home Equity Loans3

Up to 90% LTV

Term

Maximum 5 Years

APR Range *

6.04%

Home Equity Loans3

Up to 90% LTV

Term

Maximum 10 Years

APR Range *

6.79%

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.

Home Equity Loans4

Up to 70% LTV

Term

Maximum 5 Years

APR Range *

4.29% - 5.89%

Home Equity Loans4

Up to 70% LTV

Term

Maximum 10 Years

APR Range *

4.89% - 6.64%

Home Equity Loans4

Up to 70% LTV

Term

Maximum 15 Years

APR Range *

5.79% - 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 June 1, 2018
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.

Home Equity Loans5

Up to 70% LTV

Term

Maximum 5 Years

APR Range *

4.04% - 5.64%

Home Equity Loans5

Up to 70% LTV

Term

Maximum 10 Years

APR Range *

4.79% - 6.54%

Home Equity Loans5

Up to 70% LTV

Term

Maximum 15 Years

APR Range *

5.54% - 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 June 1, 2018
‡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.

Home Equity Lines of Credit6

Up to 70% LTV

Introductory APR ‡

2.74%

APR Range*

4.75% - 7.75%

Home Equity Lines of Credit6

70% - 80% LTV

Introductory APR ‡

2.74%

APR Range*

5.75% - 7.75%

Home Equity Lines of Credit6

80% - 90% LTV

Introductory APR ‡

2.74%

APR Range*

7.75%

*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 2016 or newer

Term

0 - 36 months

APR Range*

2.69% - 13.49%

Term

37 - 48 months

APR Range*

3.19% - 13.99%

Term

49 - 60 months

APR Range*

3.49% - 14.29%

Term

61 - 72 months

APR Range*

3.74% - 14.54%

Term

73 - 84 months

APR Range*

4.04% - 14.84%

Used Autos

Term

APR Range*

Vehicles must be model year 2008-2015; add 2% for prior model years.

Term

0 - 36 months

APR Range*

2.69% - 13.49%

Term

37 - 48 months

APR Range*

3.19% - 13.99%

Term

49 - 60 months

APR Range*

3.49% - 14.29%

Term

61 - 72 months

APR Range*

3.74% - 14.54%

Term

73 - 84 months

APR Range*

4.04% - 14.84%

Green Autos

Term

APR Range*

Vehicle must be model year 2016 or newer.

Term

0 - 36 months

APR Range*

2.44% - 13.24%

Term

37 - 48 months

APR Range*

2.94% - 13.74%

Term

49 - 60 months

APR Range*

3.24% - 14.04%

Term

61 - 72 months

APR Range*

3.49% - 14.29%

Term

73 - 84 months

APR Range*

3.79% - 14.59%

Motorcycles & Off-Road Vehicles

Term

APR Range*

Vehicles must be model year 2008 or newer; add 2% for prior model years.

Term

0 - 60 months

APR Range*

3.34% - 14.14%

Term

61 - 72 months

APR Range*

4.34% - 15.14%

Term

73 - 84 months

APR Range*

4.84% - 15.64%

RVs, Boats, Water & Snow Craft

Term

APR Range*

Vehicle must be model year 2008 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 June 1, 2018

Term

0 - 84 months

APR Range*

3.84% - 14.64%

Term

85 - 144 months

APR Range*

4.84% - 15.64%

Term

145 - 180 months

APR Range*

5.34% - 7.39%

Share Secured

Term

APR Range*

Term

0 - 60 months

APR Range*

Share rate + 3.00%

Certificate Secured

Term

APR Range*

Term

Certificate maturity date

APR Range*

Certificate rate + 3.00%

Personal Loan

Term

APR Range*

Term

0 - 12 months

APR Range*

6.15% - 13.15%

Term

13 - 24 months

APR Range*

6.65% - 13.65%

Term

25 - 36 months

APR Range*

7.15% - 14.15%

Term

37 - 48 months

APR Range*

7.65% - 14.65%

Term

49 - 60 months

APR Range*

8.15% - 15.15%

Term

61 - 72 months

APR Range*

9.15% - 16.15%

Green Personal Loan

Term

APR Range*

Term

0 - 12 months

APR Range*

5.9% - 12.9%

Term

13 - 24 months

APR Range*

6.4% - 13.4%

Term

25 - 36 months

APR Range*

6.9% - 13.9%

Term

37 - 48 months

APR Range*

7.4% - 14.4%

Term

49 - 60 months

APR Range*

7.9% - 14.9%

Term

61 - 72 months

APR Range*

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 June 1, 2018

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 June 1, 2018

Program

Advantage Checking Low Balance

Fee Amount

$5 per month if minimum balance not met

Program

Plus Checking Monthly Service

Fee Amount

$7.50 per month

Program

High-Yield Checking Low Balance

Fee Amount

$10 per month if minimum balance not met

Program

Overdraft Transfer

Fee Amount

$5 each day a transfer occurs

Program

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

Fee Amount

$32 per item

Program

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

Fee Amount

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

Program

Stop Payment

Fee Amount

$32 per request

Program

On-Us Non-Member Check Replacement

Fee Amount

$5 per request

Program

On-Us Non-Member Check Cashing (above $100)

Fee Amount

$5 per item

Program

Check Copies

Fee Amount

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

Program

Check Printing

Fee Amount

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 June 1, 2018

Program

Prime Savings Low Balance

Fee Amount

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

Program

High-Yield Money Market Check Over Limit

Fee Amount

$10 per check over 3 check per month limit

Program

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

Fee Amount

$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 June 1, 2018

Program

Consumer Loan Late Payment

Fee Amount

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

Program

In-house Auto Refinance

Fee Amount

1.50% of unpaid balance ($195 minimum)

Program

Visa Credit Card Cash Advance

Fee Amount

4% of advanced amount ($10 minimum)

Program

Visa Credit Card Late Payment

Fee Amount

$25

Program

Title Transfer

Fee Amount

$37.50

Program

Title Release

Fee Amount

$31

Program

Title Perfection Refinance

Fee Amount

$31

Program

Expedited Pay by Phone Loan Payments

Fee Amount

$9.95 per payment

Program

Expedited Online Loan Payments (Excluding Payments made to Sound Visa Accounts)

Fee Amount

$4.95 per payment

Program

Card Replacement

Fee Amount

$5 per replacement ($25 per rush order)

Program

Auto Insurance Fee for Lapsed Policies

Fee Amount

$20

Program

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

Fee Amount

$32 each

Program

Home Equity Early Pay-off

Fee Amount

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

Program

Home Equity Reconveyance

Fee Amount

$154

Program

Subordination Fee

Fee Amount

$245

Program

Universal Commercial Code Search and Filing

Fee Amount

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 June 1, 2018

Program

Account Reconciliation/Research

Fee Amount

$20 per hour

Program

Legal Action (garnishments/levies)

Fee Amount

$50

Program

Statement Copy

Fee Amount

$2 per statement

Program

Deposited Item Return

Fee Amount

$15 per item

Program

Collection Item

Fee Amount

$15 per item or at cost if greater

Program

Returned Item

Fee Amount

$32 per item

Program

Document Retrieval

Fee Amount

$2 per page, plus $20 per hour

Program

Photocopy

Fee Amount

$0.50 per page

Program

Overnight/Express Shipping

Fee Amount

$25

Program

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

Fee Amount

$10 per month

Program

Loose/Rolled Coin Processing

Fee Amount

8% of transaction over $200, per day

Program

Early Account Closure

Fee Amount

$10 (if closed within 90 days of opening)

Program

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)

Fee Amount

$32 per request

Program

Wire Transfer (outgoing)

Fee Amount

$25 per transfer

Program

International Wire Transfer (outgoing)

Fee Amount

$50 per transfer

Program

Money Order

Fee Amount

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

Program

Cashier's Check (third party)

Fee Amount

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

Program

Membership Reopen

Fee Amount

$10 per reopening

Program

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

Fee Amount

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

Program

Online Banking & Bill Pay

Fee Amount

Free

Program

Wrong Address

Fee Amount

$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 June 1, 2018

Program

Card Replacement

Fee Amount

$5 per replacement ($25 per rush order)

Program

Non-Network Card Withdrawal at Sound ATM

Fee Amount

$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 June 1, 2018

Program

3 X 5 X 21

Fee Amount

$30

Program

5 X 5 X 21

Fee Amount

$40

Program

3 X 10 X 21

Fee Amount

$50

Program

5 X 10 X 21

Fee Amount

$60

Program

10 X 10 X 21

Fee Amount

$100

Program

Box Drilling

Fee Amount

$175

Program

Replacement Key

Fee Amount

$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 June 1, 2018

Program

Membership Share/Savings

Fee Amount

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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