Auto Loan Rates
New Auto Loans (2022 or newer)
|
Term |
APR* Range |
|---|---|
|
Vehicle must be model year 2023 or newer. |
|
|
Term 0 - 36 months |
APR* Range 4.89% - 18.00% |
|
Term 37 - 48 months |
APR* Range 5.29% - 18.00% |
|
Term 49 - 60 months |
APR* Range 5.59% - 18.00% |
|
Term 61 - 72 months |
APR* Range 5.89% - 18.00% |
|
Term 73 - 84 months |
APR* Range 6.19% - 18.00% |
Used Auto Loans (2014 – 2021)
|
Term |
APR Range* |
|---|---|
|
Vehicles must be model year 2015-2022; add 2% for prior model years. |
|
|
Term 0 - 36 months |
APR Range* 4.89% - 18.00% |
|
Term 37 - 48 months |
APR Range* 5.29% - 18.00% |
|
Term 49 - 60 months |
APR Range* 5.59% - 18.00% |
|
Term 61 - 72 months |
APR Range* 5.89% - 18.00% |
|
Term 73 - 84 months |
APR Range* 6.19% - 18.00% |
Green Autos
|
Term |
APR Range* |
|---|---|
|
Vehicle must be model year 2023 or newer. |
|
|
Term 0 - 36 months |
APR Range* 4.89% - 18.00% |
|
Term 37 -48 months |
APR Range* 5.29% - 18.00% |
|
Term 49 - 60 months |
APR Range* 5.59% - 18.00% |
|
Term 61 - 72 months |
APR Range* 5.89% - 18.00% |
|
Term 73 - 84 months |
APR Range* 6.19% - 18.00% |
RVs, Boats, Water & Snow Craft
|
Term |
APR Range* |
|---|---|
|
Vehicle must be model year 2015 or newer. Add 2% for prior model years. |
|
|
Term 0 - 84 months |
APR Range* 6.39% - 17.54% |
|
Term 85 - 144 months |
APR Range* 6.74% - 17.90% |
|
Term 145 - 180 months |
APR Range* 7.74% - 10.29% |
Motorcycles & Off-Road Vehicles
|
Term |
APR Range* |
|---|---|
|
Vehicles must be model year 2015 or newer; add 2% for prior model years. |
|
|
Term 0 - 60 months |
APR Range* 6.14% - 17.29% |
|
Term 61 - 72 months |
APR Range* 6.99% - 17.90% |
|
Term 73 - 84 months |
APR Range* 7.24% - 17.90% |
Disclosures
*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. Sound does not do construction 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. Lowest rates reflect a 0.25% discount for automatic payments from a qualifying Sound checking account and also assumes a loan-to-value discount.