|
iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Sound Federal Credit Union Rates & Review September 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: August 31, 2026
Sound Federal Credit Union's 13-month CDs rates are at 3.56%. Sound Federal Credit Union's money market rates are at 0.40%. Sound Federal Credit Union's Personal Loan Rates are at 5.97%. MonitorBankRates evaluates the financial stability of Sound Federal Credit Union with a 4.8 Star Rating, an A Overall Health Grade, and a Texas Ratio of 4.93%. Rates last updated and verified on 08/31/2026. Sound Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Sound Federal Credit Union? Share your experience about Sound Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Sound Federal Credit Union. 
Sound Federal Credit Union CD Rates
Sound Federal Credit Union Money Market Rates
Sound Federal Credit Union Checking Rates
Sound Federal Credit Union Home Equity & HELOC
Sound Federal Credit Union Auto Loan Rates
Sound Federal Credit Union Credit Card Rates
Financial Health HistorySound Federal Credit Union’s Texas Ratio fell from 7.31% in Q2 2023 to 4.93% in Q1 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 4.8. Lower Texas Ratios are healthier; the amber line marks the 15% level a credit union must stay under to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy threshold
Powered by
MonitorBankRates
How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Sound Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Sound Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Sound Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Sound Federal Credit Union
Website
https://www.mysoundcu.org
Address
37 North Ave,
Norwalk, CT 06851
Phone
203-977-4701
Fax
203-324-7546
President
Lisa Reynolds
CEO
Megan Legault
Full-Time Employees
24
Part-Time Employees
2
Branch Locations
3
ATM Locations
1
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
4.8 / 5.0 ★
Overall Health & Safety Grade
A (96/100)
Texas Ratio
4.93%
Return on Assets (ROA)
-0.0200%
Return on Equity (ROE)
-0.2941%
Non-Performing Loans Ratio (NPL)
0.46%
Total Assets
116,103,353
Total Amount of Shares and Deposits
106,487,821
Total Shares and Deposits < 1 Year
104,007,764
Total Shares and Deposits 1 3 Years
2,367,732
Total Shares and Deposits > 3 Years
112,325
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
4,490,706
Total Uninsured Shares and Deposits > $250K (F+J)
4,490,706
Total Insured Shares and Deposits > $250K (item 17 less item K)
101,997,115
Total Interest Expense (Sum of items 6 8)
374,458
Share Certificates
632
Number of Accounts for Share Drafts
4,195
IRA KEOGH Accounts
126
Number of Accounts for Regular Shares
9,674
Non Member Deposits
19
Money Market Shares
75
Net Income (unless the amount is already included in Undivided Earnings)
-23,213
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Adequately Capitalized
Net Worth Classification if credit union is a new credit union
Adequately Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
4,148,575
Total Liabilities
108,218,502
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
There are no reviews for Sound Federal Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Sound Federal Credit Union
Frequently Asked Questions About Sound Federal Credit UnionHow many branches does Sound Federal Credit Union operate?Sound Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Sound Federal Credit Union?Yes, to access services at Sound Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Sound Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Sound Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Sound Federal Credit Union offer online and mobile banking?Most modern institutions like Sound Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.mysoundcu.org. Current Sound Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
Compare to Other Credit Unions
Compass Credit Union
Los Angeles Police Federal Credit Union
Wakota Federal Credit Union
Neiman Marcus Group Employees Federal Credit Union
PEPCO Federal Credit Union
Peoria Postal Employees Credit Union
St Colman and Affiliates Federal Credit Union
Silver State Schools Credit Union
Academic Federal Credit Union
Heartland Credit Union Hutchinson, KS
Liberty Federal Credit Union
Ohio Healthcare Federal Credit Union
Springfield City Employees Credit Union
Tangipahoa Parish Teachers Credit Union
Local 265 IBEW Federal Credit Union
University of Toledo Federal Credit Union
Tel-U-Watt Federal Credit Union
Citadel Federal Credit Union
Delancey Street Federal Credit Union
Kemba Charleston Federal Credit Union
St Louis Newspaper Carriers Credit Union
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
