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Credit Union Auto Loan Rates

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!

Motorcycles & Off-Road Vehicles
RVs, Boats, Water & Snow Craft

*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.

Mother and daughter sitting in the open trunk of their car with their dog, while son waves from a car window.

Refi your auto loan. Get 2% cash back!

You’ll get a great rate, and 2% of the loan amount back in cash!

Learn More

Auto Loans FAQs

An auto loan is a loan that allows you to pay a vehicle off in set monthly installments rather than paying the full price upfront. 

Sound Credit Union offers auto loans. Learn More »

Most car loans are available in 12-month increments, lasting between two and eight years.

Sound Credit Union offers auto loans. Learn More »

There are two types of loans – simple and precomputed. With a simple interest loan, your interest is calculated based on your loan balance on the day your car payment is due, so the amount of interest you pay each month changes. With precomputed interest, the interest is calculated at the start of your loan and based on your total loan amount.

Sound Credit Union offers auto loans. Learn More »

Whether you’re looking to make a one-time payment, or set up a recurring payment schedule for your loan or credit card payment, we have options for you.

Making payments from a Sound savings or checking account:

  • Use Online, Mobile or Telephone Banking to make a one-time payment transfer.
  • Recurring payments can also be pre-scheduled in Online Banking.
  • Contact us in the way that’s most convenient for you and we’ll transfer the payment for you.

If you’re paying from an account at another financial institution:

Payments by Mail

Please include the last four digits of your account number and the loan number on your check.

Sound Credit Union
PO Box 1595
Tacoma WA 98401

Making payments to your Sound mortgage:

  • Make payments online through the Mortgage Payment Center
  • Send payments along with your monthly tear-off coupon to the address below
    Sound Credit Union
    Attn: Payment Processing
    PO Box 11733
    Newark NJ 07101‐4733

While many Sound loans allow you to defer the usual monthly payment, not all loans are eligible for Skip-A-Pay.

Loans eligible for Skip-a-Pay  

  • Credit cards
  • Vehicle loans
  • Personal loans

Loans not eligible for Skip-a-Pay

  • Real estate loans
  • Certificate-secured loans
  • Business loans
  • Payday Freedom loans
  • Balloon loans
  • Modified or restructured loans
  • Auto Advantage loans