Loans & Credit Cards Support

RV and boat loans typically range from 10-15 years, while motorcycle loans typically last 36-60 months.

Sound Credit Union partners offers RV, boat & motorcycle loans. Learn More »

An RV, boat, and motorcycle loan is a loan that allows you to pay the vehicle or boat off in set monthly installments rather than paying the full price upfront.

Sound Credit Union partners offers RV, boat & motorcycle loans. Learn More »

Home equity loans use the equity in your home – the difference between your home’s value and your mortgage balance – as collateral for the loan.

Sound Credit Union offers home equity loans. Learn More »

A home equity loan is a consumer loan secured by a second mortgage, allowing homeowners to borrow against the equity in their home. They are recommended to be used for long-term, ongoing expenses like home renovations, medical bills, or college tuition.

Sound Credit Union offers home equity loans. Learn More »

Most car loans are available in 12-month increments, lasting between two and eight years.

Sound Credit Union offers auto loans. Learn More »

There are two types of loans – simple and precomputed. With a simple interest loan, your interest is calculated based on your loan balance on the day your car payment is due, so the amount of interest you pay each month changes. With precomputed interest, the interest is calculated at the start of your loan and based on your total loan amount.

Sound Credit Union offers auto loans. Learn More »

An auto loan is a loan that allows you to pay a vehicle off in set monthly installments rather than paying the full price upfront. 

Sound Credit Union offers auto loans. Learn More »

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.

Cash back credit cards work by offering the cardholder a rebate for purchases made with the card. Essentially, the bank will pay back a certain percentage of what you spend.

Sound Credit Union offers credit cards. Learn More »

Credit cards offer a variety of benefits, including the opportunity to build credit, the ability to earn cash back or rewards, and a record of your spending provided on a monthly statement.

Sound Credit Union offers credit cards. Learn More »

A credit card is a payment card issued by credit unions and banks that allows the cardholder to borrow money from the bank to pay for goods and services. The cardholder then makes payments and/or pays off the balance monthly.

Sound Credit Union offers credit cards. Learn More »

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.