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Checking & Savings Rates

Checking Accounts

Account Type 

Dividend Rate

APY*

Cash Back on Debit Card Purchases

Minimum Balance

1Direct Deposit of $500 or more and eStatements to avoid monthly service fee, otherwise $3.
2Age 55+ or have Direct Deposit of $500 or more and eStatements to avoid monthly service fee, otherwise $7
Rates and fees are subject to change. Please check with your local branch, or call if we can answer any questions.
3Cash back paid monthly on qualified debit card purchases, less returns or adjustments. Qualified purchases do not include unauthorized/fraudulent transactions, ATM withdrawals, or purchases of cash equivalents (i.e. money orders, gaming transactions, etc.).

Account Type 

Free Checking

Dividend Rate

N/A

APY*

N/A

Cash Back on Debit Card Purchases

N/A

Minimum Balance

N/A

Account Type 

Sound Debit Account1

Dividend Rate

N/A

APY*

N/A

Cash Back on Debit Card Purchases

N/A

Minimum Balance

N/A

Account Type 

Interest Checking2

Dividend Rate

0.10%

APY*

0.10%

Cash Back on Debit Card Purchases

N/A

Minimum Balance

N/A

Account Type 

Cash Back Checking3

Dividend Rate

N/A

APY*

N/A

Cash Back on Debit Card Purchases

1% of transaction amount, up to $10 per month

Minimum Balance

N/A

 

Savings Accounts

Savings

Dividend Rate

APY*

Minimum Balance to Open

Minimum Balance To Earn APY*

3For members age 17 and under
Rates and fees are subject to change. Please check with your local branch, or call if we can answer any questions
*APY = Annual Percentage Yield

Note: All savings accounts which have dividends compounded and credited are paid monthly.
This Rate and Fee Schedule sets forth current conditions, rates, fees and charges applicable to your accounts at Sound Credit Union at this time. The Credit Union may offer other dividend rates, annual percentage yields and fees or amend the dividend rates, annual percentage yields and fees contained in this schedule from time to time. Fees may reduce earnings. Each account holder agrees to the terms set forth on this Rate and Fee Schedule and acknowledges that it is a part of the Membership and Account Agreement.

 

Savings

Prime Savings

Dividend Rate

0.05%

APY*

0.05%

Minimum Balance to Open

 – 

Minimum Balance To Earn APY*

$100 

Savings

Minor Savings1

Dividend Rate

0.05%

APY*

0.05%

Minimum Balance to Open

 – 

Minimum Balance To Earn APY*

 – 

Savings

Secondary Savings

Dividend Rate

0.05%

APY*

0.05%

Minimum Balance to Open

 – 

Minimum Balance To Earn APY*

 – 

Savings

Save to Win Savings

Dividend Rate

0.25%

APY*

0.25%

Minimum Balance to Open

 – 

Minimum Balance To Earn APY*

 – 

Savings

IRA Savings 

Dividend Rate

0.15%

APY*

0.15%

Minimum Balance to Open

 – 

Minimum Balance To Earn APY*

 – 

Savings

Health Savings Accounts

Dividend Rate

0.15%

APY*

0.15%

Minimum Balance to Open

$50

Minimum Balance To Earn APY*

 – 

Savings

High-Yield Money Market

Dividend Rate

2.00%
2.00%

APY*

2.02%
2.02%

Minimum Balance to Open

 – 

Minimum Balance To Earn APY*

$0 – 99,999
$100,000 & Above

High-Yield Money Market

High-Yield Money Market

Dividend Rate

APY*

Minimum Balance To Earn APY*

Rates and fees are subject to change. Please check with your local branch, or call if we can answer any questions.
*APY = Annual Percentage Yield
Note: All savings accounts which have dividends compounded and credited are paid monthly.
This Rate and Fee Schedule sets forth current conditions, rates, fees and charges applicable to your accounts at Sound Credit Union at this time. The Credit Union may offer other dividend rates, annual percentage yields and fees or amend the dividend rates, annual percentage yields and fees contained in this schedule from time to time. Fees may reduce earnings. Each account holder agrees to the terms set forth on this Rate and Fee Schedule and acknowledges that it is a part of the Membership and Account Agreement.

High-Yield Money Market

$0-$99,999

Dividend Rate

2.00%

APY*

2.02%

Minimum Balance To Earn APY*

$0

High-Yield Money Market

$100,000 & Above

Dividend Rate

2.00%

APY*

2.02%

Minimum Balance To Earn APY*

$100,000