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Credit Union Home Loan Rates

First Mortgages

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All loans require Sound membership and are subject to credit approval. Verification of income may be required. Must be 18 years of age to qualify for loan. APR is Annual Percentage Rate. Rate and offer subject to change at any time.

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No Origination Fee
First Mortgages

Buying a home or refinancing a non-Sound first mortgage? With low interest rates and a variety of mortgage loan options to choose from, Sound has a program that fits your lifestyle.

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Home Loans FAQs

A home loan, or mortgage, is a sum of money loaned to a borrower by the credit union (or bank) to buy a livable property, including a house, apartment, or condo.

Sound Credit Union offers home loans. Learn More »

In general, to qualify for a home loan, you must have a reliable source of income, a permissible debt-to-income ratio, a fair- to good credit score, and funds for a down payment.

Sound Credit Union offers home 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

Online Banking offers instant access to all of your Sound Credit Union accounts 24/7, whether you’re at home, at work, or on vacation.

Use Online Banking to:

  • View account balances and history
  • Create budgets and track spending
  • Transfer money between your accounts
  • Review your dividend earnings
  • Access your eStatements and eNotices
  • View loan account information
  • Use Bill Pay to make payments
  • Transfer money to any member’s account
  • Apply for a loan
  • View and redeem Sound Rewards