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Credit Union Home Equity Loan Rates

Home Equity Lines of Credit
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)

*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.

Couple working on home improvements with dog

Money to fix up your fixer upper. Low-rate HELOCs.

You’re right where you’re meant to be. Make it perfect with a home equity line of credit.

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Home Equity Loans FAQs

A home equity loan is a consumer loan secured by a second mortgage, allowing homeowners to borrow against the equity in their home. They are recommended to be used for long-term, ongoing expenses like home renovations, medical bills, or college tuition.

Sound Credit Union offers home equity loans. Learn More »

Home equity loans use the equity in your home – the difference between your home’s value and your mortgage balance – as collateral for the loan.

Sound Credit Union offers home equity loans. Learn More »

  • Heating and cooling systems
  • Windows
  • Water heating systems
  • Appliances
  • Insulation, air and duct sealing
  • Solar and wind energy
  • Skylights and suntubes
  • Xeriscaping – landscapes that need little watering
  • Gas conversions

Other environmentally-friendly projects will be considered on case by case basis.

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