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Auto Loan Rates

New Auto Loans (2022 or newer)

Term

APR* Range

Vehicle must be model year 2022 or newer.

Term

0 – 36 months

APR* Range

6.49% – 18.00%

Term

37 – 48 months

APR* Range

6.89% – 18.00%

Term

49 – 60 months

APR* Range

7.19% – 18.00%

Term

61 – 72 months

APR* Range

7.49% – 18.00%

Term

73 – 84 months

APR* Range

7.79% – 18.00%


 
Used Auto Loans (2014 – 2021)

Term

APR Range*

Vehicles must be model year 2014-2021; add 2% for prior model years.

Term

0 – 36 months

APR Range*

6.49% – 18.00%

Term

37 – 48 months

APR Range*

6.89% – 18.00%

Term

49 – 60 months

APR Range*

7.19% – 18.00%

Term

61 – 72 months

APR Range*

7.49% – 18.00%

Term

73 – 84 months

APR Range*

7.79% – 18.00%


 
Green Autos

Term

APR Range*

Vehicle must be model year 2022 or newer.

Term

0 – 36 months

APR Range*

6.24% – 18.00%

Term

37 -48 months

APR Range*

6.64% – 18.00%

Term

49 – 60 months

APR Range*

6.94% – 18.00%

Term

61 – 72 months

APR Range*

7.24% – 18.00%

Term

73 – 84 months

APR Range*

7.54% – 18.00%


 
RVs, Boats, Water & Snow Craft

Term

APR Range*

Vehicle must be model year 2013 or newer. Add 2% for prior model years.
Rates and fees are subject to change. Please check with your local branch, or call if we can answer any questions.

Term

0 – 84 months

APR Range*

6.74% – 17.89%

Term

85 – 144 months

APR Range*

7.09% – 18.00%

Term

145 – 180 months

APR Range*

8.09% – 10.64%


 
Motorcycles & Off-Road Vehicles

Term

APR Range*

Vehicles must be model year 2014 or newer; add 2% for prior model years.

Term

0 – 60 months

APR Range*

6.49% – 17.64%

Term

61 – 72 months

APR Range*

7.34% – 18.00%

Term

73 – 84 months

APR Range*

7.59% – 18.00%


 

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.