Auto Loans

If you want payment coupons, let us know and we can mail you some, but you actually don’t need them. Just add your account number to the memo area of your check and we’ll direct the payment to the correct account.

Titles will come from the State of Washington and typically arrive in four to six weeks.

You will first need to request your title from your local Department of Licensing (DOL). We will work directly with the out-of-state DOL to get the title registered with them.

Credit Cards

We recommend contacting us prior to traveling outside of Washington State.  Visa’s fraud prevention systems may block debit and credit card transactions made outside of Washington.  If you contact us before your travels, we can place notes on your cards alerting Visa to your pending activity and preventing your cards from being blocked while you are traveling.

If you know the current PIN you may call 1.855.477.1141, option 3, to change the PIN.   If you’ve forgotten your PIN you will need to call us or visit a Sound branch to have a new card ordered.  There is no way to recover your current PIN if it has been forgotten.

We do not have access to debit and credit card PINs.  To protect members with lost or stolen cards, cardholders must know their current PIN in order to change that PIN.  If you’ve forgotten your PIN, you will need to call us or visit a Sound branch to have a new card ordered.  There is no way to recover your PIN if it has been forgotten.

  • Enjoy a premium set of benefits at a unique portfolio of hotels
  • Fine wine and dining special offers
  • Access to popular sporting events
  • Shopping discounts and offers at premium retailers
  • Complimentary 24-hour concierge services³

³Cardholder is responsible for the cost of any goods or services purchased by the Visa Signature Concierge on the cardholder’s behalf.

The updated card information will be sent to Visa when your card is re-issued. Visa will provide updated card information, once the new card has been activated, so that merchants can continue to provide you with uninterrupted service.

VAU enables the electronic exchange of updated card information (card number and expiration date changes) among participating financial institutions and merchants that process Visa transactions.

No. VAU supports only card number and expiration date changes.

Enrollment is automatic. All Sound cards are automatically enrolled.

No. Not all merchants participate in the VAU service. Therefore, we recommend contacting all of the merchants that have your old card on file for recurring payments to confirm they have your new, updated card information. If a merchant is an Account Updater partner, they may already have your new card information.

Not at this time. This is a valuable service that will allow for uninterrupted service of recurring payments.

Home Loans

  • 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

Other environmentally-friendly projects will be considered on case by case basis.

Sound requires a down payment on all mortgages, except USDA and VA loans . If the dollar amounts entered in the Purchase Price is equal to or less than the amount in the Loan Amount field, no products will display. Your Loan Amount must be at least 3 percent lower than your Purchase Price.

Personal Loan

Only a Savings or Certificate account can be used for a share or certificate Secured loan. IRA, Checking, and Money Market accounts cannot be used.

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

Skip-a-Pay

You must satisfy at least six complete monthly billing cycles before you can use Skip-a-Pay.

Skip-a-Pay can be used on up to 2 loan payments within a 12-month period. There must be at least 90 days between each skipped loan payment.

Yes. A finance charge of $32 will be charged to your checking or savings account for each payment you skip.

Loans eligible for Skip-a-Pay

  • Credit cards
  • Vehicle loans
  • Personal Loans

Loans not eligible for Skip-a-Pay

  • Real estate
  • Certificate-secured
  • Business
  • Payday Freedom
  • Balloon loans
  • Modified or restructured loans

Skip-a-Pay allows you to defer your usual monthly loan payment without affecting your credit rating. The skipped payment is simply added to the end of your loan term.

Skip-a-Pay can be requested three ways:

Student Loans

Student Choice will disperse your funds directly to your school based on their funding dates.

Your Student Choice loan is available as a line of credit. Once you apply, you can draw on your line of credit through your entire undergraduate career to help pay for tuition, fees, books, room and board, and other related expenses.

Repayment term is 20 years if your principal balance at repayment is $40,000 or less, and 25 years if your principal balance at repayment is more than $40,000.

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Contact Center Hours:
Monday-Friday: 8am to 6pm
Saturday: 9am to 1pm

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