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Credit Union Personal Loan Rates

Personal Loan

60-Day Loan Payment Deferral Option on Personal Loans

Green Personal Loan
Personal Line of Credit
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.

Personal Loans FAQs

Most personal loans are not backed by collateral, so lenders decide whether to loan based on a variety of factors, including your credit score, credit history, debt-to-income ratio, and free cash flow.

Sound Credit Union offers personal loans. Learn More »

A personal loan is a loan in which money is borrowed from a bank and then paid back in fixed monthly installments. They can be used for almost anything, including debt consolidation, home improvement projects, medical bills, weddings, and more.

Sound Credit Union offers personal loans. Learn More »

Green personal loans can be used for qualifying energy-efficient home improvements. These include:

  • 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

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