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:
Set up automatic payments. Complete the ACH Debit Authorization form, allowing us to deduct your payment automatically each month from your chosen account.
Visit a Sound branch to make your payment by cash or check.
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
Titles will come from the State of Washington and typically arrive in four to six weeks.
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.
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
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:
Set up automatic payments. Complete the ACH Debit Authorization form, allowing us to deduct your payment automatically each month from your chosen account.
Visit a Sound branch to make your payment by cash or check.
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
We recommend contacting us prior to traveling outside of Washington State. Visa’s fraud prevention systems may block debit and credit card transactions made in other states or outside of your routine purchasing area. If you contact us before your travels, we can place notes on your cards that will help to prevent 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 reissued.
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
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:
Set up automatic payments. Complete the ACH Debit Authorization form, allowing us to deduct your payment automatically each month from your chosen account.
Visit a Sound branch to make your payment by cash or check.
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
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
Sound is part of the Shared Branching network, making it easy for you to conduct basic transactions at more than 5000+ shared branching locations across the U.S.
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:
Set up automatic payments. Complete the ACH Debit Authorization form, allowing us to deduct your payment automatically each month from your chosen account.
Visit a Sound branch to make your payment by cash or check.
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
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
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.
Request to defer a usual monthly loan payment with Skip-a-Pay by calling our Contact Center or visiting a local branch.
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 using Skip-a-Pay.
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
Using Skip-a-Pay to defer a usual monthly payment may reduce your GAP (Guaranteed Asset Protection) benefit. For more information, speak with your GAP provider.
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.
