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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 Credit Union Rates & Review October 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: October 19, 2026
Sound Credit Union's 13-Month Jumbo CD rates are at 4.05%, 11-Month CD rates are at 3.95%, 12 Month Business Jumbo CD rates are at 3.75%, Jumbo CDs - 12 Month rates are at 3.75%, 6 Month Business Jumbo CD rates are at 3.65%. Sound Credit Union's savings rates are at 2.85%. Sound Credit Union's money market rates are at 2.00%. Sound Credit Union's checking rates are as high as 0.30%. Sound Credit Union's Auto Loan Rates are as low as 5.14%. Sound Credit Union's Credit Card Rates are at 10.70%. 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 8.08%. Rates last updated and verified on 10/19/2026. 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. Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends. Sound Credit Union CD Rates
Sound Credit Union Business CD Rates
Sound Credit Union Business Savings Rates
Sound Credit Union Business Money Market Rates
Sound Credit Union Business Checking Rates
Sound Credit Union Auto Loan Rates
Sound Credit Union Credit Card Rates
Sound Credit Union Other Rates
Financial Health HistorySound Credit Union’s Texas Ratio rose from 3.12% in Q3 2023 to 8.08% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay 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 limit (green zone below = healthy)
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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 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
Barry Wallis
CEO
Don Clark
Full-Time Employees
427
Part-Time Employees
20
Branch Locations
26
ATM Locations
21
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (96/100)
Texas Ratio
8.08%
Return on Assets (ROA)
0.4719%
Return on Equity (ROE)
4.2867%
Non-Performing Loans Ratio (NPL)
1.18%
Total Assets
3,403,158,551
Total Amount of Shares and Deposits
2,928,611,400
Total Shares and Deposits < 1 Year
2,833,549,994
Total Shares and Deposits 1 3 Years
89,921,547
Total Shares and Deposits > 3 Years
5,139,859
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
367,406,160
Total Uninsured Shares and Deposits > $250K (F+J)
367,406,160
Total Insured Shares and Deposits > $250K (item 17 less item K)
2,561,205,240
Total Interest Expense (Sum of items 6 8)
29,426,581
Share Certificates
15,478
Number of Accounts for Share Drafts
107,460
IRA KEOGH Accounts
4,502
Number of Accounts for Regular Shares
202,592
All other shares
1,183
Non Member Deposits
5
Money Market Shares
27,674
Net Income (unless the amount is already included in Undivided Earnings)
16,012,200
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
311,182,375
Total Liabilities
3,061,297,051
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
There are no reviews for Sound 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 Credit Union
Frequently Asked Questions About Sound Credit UnionDoes Sound Credit Union offer CDs?Yes. Sound Credit Union offers share certificates (CDs) with fixed interest rates across multiple term lengths. Its current CD rates, verified by MonitorBankRates, are listed on this page. Are CDs from Sound Credit Union NCUA insured?Yes. Sound Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at Sound Credit Union?The highest CD rate MonitorBankRates has verified for Sound Credit Union is 4.05% APY on its 13-Month Jumbo CD, as of October 19, 2026. What CD terms does Sound Credit Union offer?The Sound Credit Union CD terms we track include 6 month, 11 month, 12 month, 13 month, 18 month, 2 year and 5 year terms, with rates from 3.65% to 4.05% APY. The institution may offer other terms or specials that are not listed here, so check with Sound Credit Union for its full lineup. What is the highest savings rate at Sound Credit Union?The highest savings rate MonitorBankRates has verified for Sound Credit Union is 2.85% APY on its High-Yield Business Savings, as of October 19, 2026. What is the highest money market rate at Sound Credit Union?The highest money market rate MonitorBankRates has verified for Sound Credit Union is 2.00% APY on its Business High-Yield Money Market, as of October 19, 2026. What is the highest checking rate at Sound Credit Union?The highest checking rate MonitorBankRates has verified for Sound Credit Union is 0.30% APY on its Business Interest Checking, as of October 19, 2026. What is the lowest auto loan rate at Sound Credit Union?The lowest auto loan rate MonitorBankRates has verified for Sound Credit Union is 5.14% APR on its New Auto Loans, as of October 19, 2026. What is the lowest credit card APR at Sound Credit Union?The lowest credit card rate MonitorBankRates has verified for Sound Credit Union is 10.70% APR on its Business Platinum Credit Card, as of October 19, 2026. 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. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do Sound Credit Union rates compare?Sound Credit Union's top rates are 4.05% APY on its 13-Month Jumbo CD, 2.85% APY on savings, 2.00% APY on money market, 0.30% APY on checking, auto loans from 5.14% APR and credit cards from 10.70% APR, verified by MonitorBankRates on October 19, 2026. To compare Sound Credit Union with the top rates nationwide, see our best CD rates, best savings rates, best money market rates and best checking rates, updated daily from banks and credit unions across the country. Current Sound Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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