Loans & Credit Cards Support

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.
• Visit a CO-OP Shared Branching location to make your payment.
• Pay online by making an expedited* loan payment to your Sound Visa credit card, vehicle, personal, home equity, or Express Mortgage.
  *Maximum payment amount is $1500. Fees may be assessed.

Payments by Mail

Please include the last four digits of your account number and the loan number on your check.

Sound Credit Union
PO Box 1595
Tacoma WA 98401

Making payments to your Sound mortgage:

• Make payments online through the Mortgage Payment Center
• 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.

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.
• Visit a CO-OP Shared Branching location to make your payment.
• Pay online by making an expedited* loan payment to your Sound Visa credit card, vehicle, personal, home equity, or Express Mortgage.
  *Maximum payment amount is $1500. Fees may be assessed.

Payments by Mail

Please include the last four digits of your account number and the loan number on your check.

Sound Credit Union
PO Box 1595
Tacoma WA 98401

Making payments to your Sound mortgage:

• Make payments online through the Mortgage Payment Center
• 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.

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.
• Visit a CO-OP Shared Branching location to make your payment.
• Pay online by making an expedited* loan payment to your Sound Visa credit card, vehicle, personal, home equity, or Express Mortgage.
  *Maximum payment amount is $1500. Fees may be assessed.

Payments by Mail

Please include the last four digits of your account number and the loan number on your check.

Sound Credit Union
PO Box 1595
Tacoma WA 98401

Making payments to your Sound mortgage:

• Make payments online through the Mortgage Payment Center
• 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.