What are the current interest rates at Sound Credit Union?

Current rates for Sound Credit Union include: 12-Month CD: 3.50%, 18-Month CD: 2.99%, 24-Month CD: 2.75%, 60-Month CD: 2.50%, Savings: 0.05%, MMA: 2.00%

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Sound Credit Union

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Sound Credit Union Rates & Review July 2026

Q: How many branches does Sound Credit Union operate?

Sound 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.

Q: Is a member application needed to join Sound Credit Union?

Yes, to access services at Sound 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.

Q: Is there a first-time homebuyer program?

Currently, Sound 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Sound Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: July 16, 2026

Sound Credit Union's 10 Month CD Special rates are at 3.80%, Business 10 Month (Promo) rates are at 3.80%, Business 10 Month CD rates are at 3.80%, Business Jumbo CDs 12 Month rates are at 3.75%, Business Jumbo CDs 6 Month rates are at 3.65%. Sound Credit Union's savings rates are at 0.05%. Sound Credit Union's money market rates are at 2.00%. Sound Credit Union's Personal Loan Rates are at 4.64%. MonitorBankRates evaluates the financial stability of Sound Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 9.84%. Rates were last updated on 07/16/2026.

Sound 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 Credit Union? Share your experience about Sound Credit Union by leaving a review below, or read customer reviews before you decide to use Sound Credit Union.

Overall Health & Safety Grade

Excellent Health Score: 95/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

9.84%

Excellent Higher than avg

Sound Credit Union
Downtown Tacoma Branch

1331 Broadway
Tacoma, WA 98402 3410

https://www.soundcu.com

Sound Credit Union CD Rates

Product	Rate	APY	Term
10 Month Certificate Special	-	3.80%	10 Month
Min Balance $500 Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.84%
Business 10 Month (Promo)	3.74%	3.80%	10 Month
Min Balance $500 Details Offers valid for existing or new Sound members. Membership with a savings account at Sound Credit Union is required to participate in the offer. Anyone who lives or works in WA can join. Promotional rates and terms advertised are available for a limited time and subject to change without notice. Early withdrawal penalties apply and may reduce earnings. Certificate: Minimum balance is $500. At maturity, certificate will roll into a new 12-month certificate. Unlimited add-on deposit feature not available. Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.84%
Business 10 Month Certificate	3.74%	3.80%
Min Balance $500 Details Promotional rates and terms advertised are available for a limited time and subject to change without notice. Unlimited add-on deposit feature not available. Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.84%
Business Jumbo Certificates 12 Month	3.69%	3.75%	12 Month
Min Balance $100,000 Details Unlimited Deposits: Make additional deposits at any time during the term of the certificate. Note: All savings accounts which have dividends compounded and credited are paid monthly. Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.84%
Business Jumbo Certificates 6 Month	3.59%	3.65%	6 Month
Min Balance $100,000 Details Unlimited Deposits: Make additional deposits at any time during the term of the certificate. Note: All savings accounts which have dividends compounded and credited are paid monthly. Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.84%
Business 12 Month	3.45%	3.50%	12 Month
Min Balance $500 Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.84%
Business 12 Month Certificate	3.45%	3.50%
Min Balance $500 Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.84%
Business 6 Month	3.35%	3.40%	6 Month
Min Balance $500 Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.84%
Business 6 Month Certificate	3.35%	3.40%
Min Balance $500 Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.84%
Business Jumbo Certificates 18 Month	3.20%	3.25%	18 Month
Min Balance $100,000 Details Unlimited Deposits: Make additional deposits at any time during the term of the certificate. Note: All savings accounts which have dividends compounded and credited are paid monthly. Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.84%
Business Jumbo Certificates 24 Month	2.97%	3.01%	24 Month
Min Balance $100,000 Details Unlimited Deposits: Make additional deposits at any time during the term of the certificate. Note: All savings accounts which have dividends compounded and credited are paid monthly. Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.84%
Business 18 Month (Flex)	2.95%	2.99%	18 Month
Min Balance $2,500 Details Unlimited deposits. Upon request, rate will be increased to current Flex Certificate rate. Withdrawal amount cannot reduce the balance to less than the $2,500 minimum. Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.84%
Business 18 Month Certificate	2.95%	2.99%
Min Balance $2,500 Details Add-on option: Unlimited deposits. Bump option: Upon request, rate will be increased to current Flex Certificate rate. Withdrawal option: Withdrawal amount cannot reduce the balance to less than the $2,500 minimum. Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.84%
Business Jumbo Certificates 36 Month	2.87%	2.91%	36 Month
Min Balance $100,000 Details Unlimited Deposits: Make additional deposits at any time during the term of the certificate. Note: All savings accounts which have dividends compounded and credited are paid monthly. Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.84%
Business 24 Month	2.72%	2.75%	24 Month
Min Balance $500 Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.84%
Business 24 Month Certificate	2.72%	2.75%
Min Balance $500 Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.84%
Business 36 Month	2.62%	2.65%	36 Month
Min Balance $500 Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.84%
Business 36 Month (Bump)	2.62%	2.65%	36 Month
Min Balance $2,500 Details One time upon request, we will increase your rate to the current Bump Certificate rate at the same term. The new dividend will not be applied retroactively. Unlimited deposits. Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.84%
Business 36 Month Certificate	2.62%	2.65%
Min Balance $500 Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.84%
Business 3 Month	2.47%	2.50%	3 Month
Min Balance $500 Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.84%
Business 3 Month Certificate	2.47%	2.50%
Min Balance $500 Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.84%
Business 30 Month (Flex)	2.47%	2.50%	30 Month
Min Balance $2,500 Details Unlimited deposits. Upon request, rate will be increased to current Flex Certificate rate. Withdrawal amount cannot reduce the balance to less than the $2,500 minimum. Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.84%
Business 30 Month Certificate	2.47%	2.50%
Min Balance $2,500 Details Add-on option: Unlimited deposits. Bump option: Upon request, rate will be increased to current Flex Certificate rate. Withdrawal option: Withdrawal amount cannot reduce the balance to less than the $2,500 minimum. Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.84%
Business 48 Month	2.47%	2.50%	48 Month
Min Balance $500 Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.84%
Business 48 Month Certificate	2.47%	2.50%
Min Balance $500 Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.84%
Business 60 Month	2.47%	2.50%	60 Month
Min Balance $500 Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.84%
Business 60 Month (Bump)	2.47%	2.50%	60 Month
Min Balance $2,500 Details One time upon request, we will increase your rate to the current Bump Certificate rate at the same term. The new dividend will not be applied retroactively. Unlimited deposits. Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.84%
Business 60 Month Certificate	2.47%	2.50%
Min Balance $500 Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.84%

Sound Credit Union Savings Rates

Product	Rate	APY
High-Yield Business Savings	2.81%	2.85%
Min Balance $100,000 Details Minimum Balance to Earn APY*: $100,000.00 Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.84%
SAVE TO WIN Savings Account	-	0.25%
Min Balance $0 Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.84%
Business Savings	0.05%	0.05%
Min Balance $100 Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.84%
High-Yield Business Savings	0.05%	0.05%
Min Balance $0 Details Minimum Balance to Earn APY*: $0 Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.84%
Secondary Business Savings	0.05%	0.05%
No additional details. Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.84%

Sound Credit Union Money Market Rates

Product	Rate	APY	View More
Business High-Yield Money Market	1.98%	2.00%
Min Balance $0 Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.84%

Sound Credit Union Checking Rates

Product	Rate	APY
Business Interest Checking	0.30%	0.30%
Min Balance $50,000 Details Minimum balance to avoid a fee: $10,000, otherwise $10 per month. Rates and fees are subject to change. Please check with your local branch, or call if we can answer any questions. APY = Annual Percentage Yield. Rates subject to change without notice. Note: All Savings accounts which have dividends compounded and credited are paid monthly. This Rate and Fee Schedule sets forth current conditions, rates, fees and charges applicable to your accounts at Sound Credit Union at this time. The Credit Union may offer other dividend rates, annual percentage yields and fees or amend the dividend rates, annual percentage yields and fees contained in this schedule from time to time. Each account holder agrees to the terms set forth on this Rate and Fee Schedule and acknowledges that it is a part of the Membership and Account Agreement. Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.84%
Business IOLTA Checking	0.30%	0.30%
Min Balance $50,000 Details IOLTA = Interest on Lawyers Trust Account. Rates and fees are subject to change. Please check with your local branch, or call if we can answer any questions. APY = Annual Percentage Yield. Rates subject to change without notice. Note: All Savings accounts which have dividends compounded and credited are paid monthly. This Rate and Fee Schedule sets forth current conditions, rates, fees and charges applicable to your accounts at Sound Credit Union at this time. The Credit Union may offer other dividend rates, annual percentage yields and fees or amend the dividend rates, annual percentage yields and fees contained in this schedule from time to time. Each account holder agrees to the terms set forth on this Rate and Fee Schedule and acknowledges that it is a part of the Membership and Account Agreement. Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.84%
Business Interest Checking	0.25%	0.25%
Min Balance $25,000 Details Minimum balance to avoid a fee: $10,000, otherwise $10 per month. Rates and fees are subject to change. Please check with your local branch, or call if we can answer any questions. APY = Annual Percentage Yield. Rates subject to change without notice. Note: All Savings accounts which have dividends compounded and credited are paid monthly. This Rate and Fee Schedule sets forth current conditions, rates, fees and charges applicable to your accounts at Sound Credit Union at this time. The Credit Union may offer other dividend rates, annual percentage yields and fees or amend the dividend rates, annual percentage yields and fees contained in this schedule from time to time. Each account holder agrees to the terms set forth on this Rate and Fee Schedule and acknowledges that it is a part of the Membership and Account Agreement. Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.84%
Business IOLTA Checking	0.25%	0.25%
Min Balance $25,000 Details IOLTA = Interest on Lawyers Trust Account. Rates and fees are subject to change. Please check with your local branch, or call if we can answer any questions. APY = Annual Percentage Yield. Rates subject to change without notice. Note: All Savings accounts which have dividends compounded and credited are paid monthly. This Rate and Fee Schedule sets forth current conditions, rates, fees and charges applicable to your accounts at Sound Credit Union at this time. The Credit Union may offer other dividend rates, annual percentage yields and fees or amend the dividend rates, annual percentage yields and fees contained in this schedule from time to time. Each account holder agrees to the terms set forth on this Rate and Fee Schedule and acknowledges that it is a part of the Membership and Account Agreement. Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.84%
Business Interest Checking	0.20%	0.20%
Min Balance $10,000 Details Minimum balance to avoid a fee: $10,000, otherwise $10 per month. Rates and fees are subject to change. Please check with your local branch, or call if we can answer any questions. APY = Annual Percentage Yield. Rates subject to change without notice. Note: All Savings accounts which have dividends compounded and credited are paid monthly. This Rate and Fee Schedule sets forth current conditions, rates, fees and charges applicable to your accounts at Sound Credit Union at this time. The Credit Union may offer other dividend rates, annual percentage yields and fees or amend the dividend rates, annual percentage yields and fees contained in this schedule from time to time. Each account holder agrees to the terms set forth on this Rate and Fee Schedule and acknowledges that it is a part of the Membership and Account Agreement. Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.84%
Business IOLTA Checking	0.20%	0.20%
Min Balance $10,000 Details IOLTA = Interest on Lawyers Trust Account. Rates and fees are subject to change. Please check with your local branch, or call if we can answer any questions. APY = Annual Percentage Yield. Rates subject to change without notice. Note: All Savings accounts which have dividends compounded and credited are paid monthly. This Rate and Fee Schedule sets forth current conditions, rates, fees and charges applicable to your accounts at Sound Credit Union at this time. The Credit Union may offer other dividend rates, annual percentage yields and fees or amend the dividend rates, annual percentage yields and fees contained in this schedule from time to time. Each account holder agrees to the terms set forth on this Rate and Fee Schedule and acknowledges that it is a part of the Membership and Account Agreement. Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.84%
Business Interest Checking	0.15%	0.15%
Min Balance $1 Details Minimum balance to avoid a fee: $10,000, otherwise $10 per month. Rates and fees are subject to change. Please check with your local branch, or call if we can answer any questions. APY = Annual Percentage Yield. Rates subject to change without notice. Note: All Savings accounts which have dividends compounded and credited are paid monthly. This Rate and Fee Schedule sets forth current conditions, rates, fees and charges applicable to your accounts at Sound Credit Union at this time. The Credit Union may offer other dividend rates, annual percentage yields and fees or amend the dividend rates, annual percentage yields and fees contained in this schedule from time to time. Each account holder agrees to the terms set forth on this Rate and Fee Schedule and acknowledges that it is a part of the Membership and Account Agreement. Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.84%
Business IOLTA Checking	0.15%	0.15%
Min Balance $0 Details IOLTA = Interest on Lawyers Trust Account. Rates and fees are subject to change. Please check with your local branch, or call if we can answer any questions. APY = Annual Percentage Yield. Rates subject to change without notice. Note: All Savings accounts which have dividends compounded and credited are paid monthly. This Rate and Fee Schedule sets forth current conditions, rates, fees and charges applicable to your accounts at Sound Credit Union at this time. The Credit Union may offer other dividend rates, annual percentage yields and fees or amend the dividend rates, annual percentage yields and fees contained in this schedule from time to time. Each account holder agrees to the terms set forth on this Rate and Fee Schedule and acknowledges that it is a part of the Membership and Account Agreement. Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.84%

Sound Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity Sound HELOC	-	-	4.99%
Details Intro APR for the first 6 months. Offer ends September 30, 2026. Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.84%

Sound Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
New Auto Loans	-	-	4.64%
Details As Low As Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.84%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Sound 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 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 Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Sound Credit Union

Website https://www.soundcu.com

Address 1331 Broadway, Tacoma, WA 98402 3410

Phone 253-383-2016

Fax 253-597-7610

President John Bauder

CEO Don Clark

Full-Time Employees 415

Part-Time Employees 22

Branch Locations 26

ATM Locations 26

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (95/100)

Texas Ratio

9.84%

Return on Assets (ROA)

0.3784%

Return on Equity (ROE)

3.4704%

Non-Performing Loans Ratio (NPL)

1.43%

Total Assets

3,258,214,153

Total Amount of Shares and Deposits

2,809,222,333

Total Shares and Deposits < 1 Year

2,690,729,751

Total Shares and Deposits 1 3 Years

112,396,761

Total Shares and Deposits > 3 Years

6,095,821

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

339,586,317

Total Uninsured Shares and Deposits > $250K (F+J)

339,586,317

Total Insured Shares and Deposits > $250K (item 17 less item K)

2,469,636,016

Total Interest Expense (Sum of items 6 8)

41,709,972

Share Certificates

15,987

Number of Accounts for Share Drafts

104,007

IRA KEOGH Accounts

4,510

Number of Accounts for Regular Shares

194,716

All other shares

1,190

Non Member Deposits

Money Market Shares

22,740

Net Income (unless the amount is already included in Undivided Earnings)

12,291,582

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

289,106,126

Total Liabilities

2,937,876,000

Source: NCUA — Last Updated 09/30/2025

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Frequently Asked Questions About Sound Credit Union

How many branches does Sound Credit Union operate?

Sound 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 Credit Union?

Yes, to access services at Sound 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 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 Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Sound Credit Union offer online and mobile banking?

Most modern institutions like Sound 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.soundcu.com.