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Loans & Credit Cards

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

Boat Loans

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 »
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 »

Credit Cards

Not at this time. This is a valuable service that will allow for uninterrupted service of recurring payments.
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.
Enrollment is automatic. All Sound cards are automatically enrolled.
No. VAU supports only card number and expiration date changes.
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.
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.
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.
Download, complete and return the balance transfer form to get started transferring balances from higher-rate cards. BALANCE TRANSFER FORM PDF You'll need the following information handy:
  • Your Sound Credit Union account/member number
  • Card/Lender names of the balances you're transferring to Sound, as well as:
    • Account number
    • Customer service phone number
    • Amount to transfer
    • Payment address
Sound charges ZERO balance transfer fees. This is a key benefit when considering Sound Credit Union. Most credit cards offer promotional balance transfer deals, commonly a 0.00% APR introductory rate, but charge a balance transfer fee, usually ranging from 3% to 5% of the transferred amount. It’s crucial to carefully review the terms and conditions to understand any associated fees. Additionally, consider whether the potential interest savings outweighs the transfer fee.
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: 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
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 Unions offers credit cards. Learn more.
We recommend letting us know 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. To prevent this, use Travel Notes in Online or Mobile Banking to enter the dates and your destinations before you go.
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.
  • 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.

Motorcycle Loans

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 »
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 »

Personal Loans

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. Read more about Shared Branching in our blog, or find a shared branch location near you.
A personal loan is a loan in which money is borrowed from a bank and then paid back in fixed monthly installments. They can be used for almost anything, including debt consolidation, home improvement projects, medical bills, weddings, and more. Sound Credit Union offers personal loans. Learn More »
Most personal loans are not backed by collateral, so lenders decide whether to loan based on a variety of factors, including your credit score, credit history, debt-to-income ratio, and free cash flow. Sound Credit Union offers personal 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: 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
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

RV Loans

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 »
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 »

Skip-A-Pay

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.
Yes. A finance charge of $32 will be charged to your checking or savings account for each payment you skip using 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.
You must satisfy at least six complete monthly billing cycles before you can use Skip-A-Pay.
Request to defer a usual monthly loan payment using Skip-A-Pay in Online or Mobile Banking, by calling our Contact Center or visiting a local branch.
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.
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

Student Loans

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.
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.
To apply for a private student loan, you’ll want to apply well before tuition is due, find a cosigner if needed, and gather paperwork and required information, including your social security number. Sound Credit Union partners with Student Choice to offer private student loans. Learn More »
ince private student loans are offered by different, private lenders, there is no limit to how much you can borrow. Every financial institution has its own criteria. Sound Credit Union partners with Student Choice to offer private student loans. Learn More »
Private student loans are issued by credit unions and banks, rather than the federal government, to pay for college costs. It’s best to take out a private student loan after maxing out federal loans. Sound Credit Union partners with Student Choice to offer private student loans. Learn More »