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Loans & Credit Cards
Auto Loans
You or your insurance agent may submit proof of vehicle insurance to SWBC (the company that handles our insurance documents), in the following ways listed below.
Before sending, ensure your vehicle insurance policy includes
- "Sound Credit Union" is listed as LIENHOLDER/LOSS PAYEE, PO Box 691246, San Antonio, TX 78269-1246
- COMPREHENSIVE and COLLISION coverage on vehicle with deductibles not to exceed $1,000
- Collateral must match collateral on loan document
- Policy number, policy period and company name
UPLOAD ONLINE at www.imcovered.com/SoundCU
EMAIL [email protected]
CALL 866-253-4928
FAX 1-877-808-2893
MAIL
PO Box 691246
San Antonio, TX 78269-1246
Ways to make your Loan Payment
It's easy to make one-time payments or set up recurring payments.Pay from a Sound Account
- Online – Log into your account and select Move Money > Make or Schedule a Transfer to transfer your one-time payment or set up recurring payments.
- Use Online, Mobile or Telephone Banking to make a one-time or recurring payment transfer.
- Contact us in the way that’s most convenient for you and we’ll transfer the payment for you.
Pay from another Financial Institution
- Online – Log into your Sound account and select:
- Move Money > External Transfers to transfer money from an account you have at another financial institution
- Payments > Pay from a Non-Sound Account to set up a payment using your debit card or an account at another financial institution.
- Mobile Deposit (check) – Download the Sound app and use Mobile Deposit to deposit a check into your savings or checking, then transfer the payment to your loan.
- Pay by ACH or Debit Card – Set up an expedited loan payment to your Sound credit card, vehicle, personal, home equity or Express Mortgage using your debit card or an account at another financial institution. (Fees apply. Maximum payment amount is $1,500)
- Set up automatic payments (ACH Payment) - Complete the ACH Debit Authorization form, allowing us to deduct your payment automatically each month from your chosen account.
Pay in Person (cash or check)
- Visit a Sound branch to make your payment by cash or check.
- Visit a CO-OP Shared Branching location to make your payment.
Pay 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 98401Pay a Sound Mortgage
- Online - Make payments online through the Mortgage Payment Center
- By Mail (check) - Send payments along with your monthly tear-off coupon to the address below:
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
You or your insurance agent may submit proof of vehicle insurance to SWBC (the company that handles our insurance documents), in the following ways listed below.
Before sending, ensure your vehicle insurance policy includes
- "Sound Credit Union" is listed as LIENHOLDER/LOSS PAYEE, PO Box 691246, San Antonio, TX 78269-1246
- COMPREHENSIVE and COLLISION coverage on vehicle with deductibles not to exceed $1,000
- Collateral must match collateral on loan document
- Policy number, policy period and company name
UPLOAD ONLINE at www.imcovered.com/SoundCU
EMAIL [email protected]
CALL 866-253-4928
FAX 1-877-808-2893
MAIL
PO Box 691246
San Antonio, TX 78269-1246
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
All Sound debit and credit cards are eligible for Visa Purchase Alerts, a free service to help you monitor your accounts for fraudulent activity.
How to enroll:
- Enroll your card(s) at usa.visa.com. All Sound debit and credit cards are eligible.
- Select the delivery options that work best for you - texts, emails, or both.
- Choose your alert triggers - over a specific dollar amount, purchases made online, by phone, or even out of the country.
- Start receiving alerts.
If unauthorized, fraudulent charges have cleared your account, or you believe you are a victim of a scam, contact us immediately.
Card controls are available in Online Banking, as well as through the Mobile App. Manage your cards by accessing your account from a personal computer or different device.
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.
There is no way to recover your 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 reset your PIN or have a new card ordered.
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.
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, to change the PIN. If you’ve forgotten your PIN you will need to call us or visit a Sound branch.
- 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
Motorcycle Loans
You or your insurance agent may submit proof of vehicle insurance to SWBC (the company that handles our insurance documents), in the following ways listed below.
Before sending, ensure your vehicle insurance policy includes
- "Sound Credit Union" is listed as LIENHOLDER/LOSS PAYEE, PO Box 691246, San Antonio, TX 78269-1246
- COMPREHENSIVE and COLLISION coverage on vehicle with deductibles not to exceed $1,000
- Collateral must match collateral on loan document
- Policy number, policy period and company name
UPLOAD ONLINE at www.imcovered.com/SoundCU
EMAIL [email protected]
CALL 866-253-4928
FAX 1-877-808-2893
MAIL
PO Box 691246
San Antonio, TX 78269-1246
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 »
Ways to make your Loan Payment
It's easy to make one-time payments or set up recurring payments.Pay from a Sound Account
- Online – Log into your account and select Move Money > Make or Schedule a Transfer to transfer your one-time payment or set up recurring payments.
- Use Online, Mobile or Telephone Banking to make a one-time or recurring payment transfer.
- Contact us in the way that’s most convenient for you and we’ll transfer the payment for you.
Pay from another Financial Institution
- Online – Log into your Sound account and select:
- Move Money > External Transfers to transfer money from an account you have at another financial institution
- Payments > Pay from a Non-Sound Account to set up a payment using your debit card or an account at another financial institution.
- Mobile Deposit (check) – Download the Sound app and use Mobile Deposit to deposit a check into your savings or checking, then transfer the payment to your loan.
- Pay by ACH or Debit Card – Set up an expedited loan payment to your Sound credit card, vehicle, personal, home equity or Express Mortgage using your debit card or an account at another financial institution. (Fees apply. Maximum payment amount is $1,500)
- Set up automatic payments (ACH Payment) - Complete the ACH Debit Authorization form, allowing us to deduct your payment automatically each month from your chosen account.
Pay in Person (cash or check)
- Visit a Sound branch to make your payment by cash or check.
- Visit a CO-OP Shared Branching location to make your payment.
Pay 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 98401Pay a Sound Mortgage
- Online - Make payments online through the Mortgage Payment Center
- By Mail (check) - Send payments along with your monthly tear-off coupon to the address below:
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
You or your insurance agent may submit proof of vehicle insurance to SWBC (the company that handles our insurance documents), in the following ways listed below.
Before sending, ensure your vehicle insurance policy includes
- "Sound Credit Union" is listed as LIENHOLDER/LOSS PAYEE, PO Box 691246, San Antonio, TX 78269-1246
- COMPREHENSIVE and COLLISION coverage on vehicle with deductibles not to exceed $1,000
- Collateral must match collateral on loan document
- Policy number, policy period and company name
UPLOAD ONLINE at www.imcovered.com/SoundCU
EMAIL [email protected]
CALL 866-253-4928
FAX 1-877-808-2893
MAIL
PO Box 691246
San Antonio, TX 78269-1246
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
- 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 »
Since 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.
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 »