Sound Credit Union

Tacoma, Washington
Last verified: August 4, 2026
Work at Sound Credit Union? Claim this profile →

Verified rate book

Current Sound Credit Union rates

65 published offers verified as of August 4, 2026.

How we verify rates

Auto & vehicle rates

13 offers
Sound Credit Union auto & vehicle rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
New Auto Loans (2024 or newer) (Term 0 - 36 months)auto_new_36mo4.640% APR4.640%36 mo · newStandard
Used Auto Loans (2016 - 2023) (Term 0 - 36 months)auto_used_36mo4.640% APR4.640%36 mo · usedStandard
Used Auto Loans (2016 - 2023) (Term 37 - 48 months)auto_used_48mo5.040% APR5.040%48 mo · usedStandard
New Auto Loans (2024 or newer) (Term 37 - 48 months)auto_new_48mo5.040% APR5.040%48 mo · newStandard
New Auto Loans (2024 or newer) (Term 49 - 60 months)auto_new_60mo5.340% APR5.340%60 mo · newStandard
Used Auto Loans (2016 - 2023) (Term 49 - 60 months)auto_used_60mo5.340% APR5.340%60 mo · usedStandard
Used Auto Loans (2016 - 2023) (Term 61 - 72 months)auto_used_72mo5.640% APR5.640%72 mo · usedStandard
New Auto Loans (2024 or newer) (Term 61 - 72 months)auto_new_72mo5.640% APR5.640%72 mo · newStandard
Motorcycles & Off-Road Vehicles (Term 0 - 60 months)motorcycle_any_60mo5.890% APR5.890%60 moStandard
Used Auto Loans (2016 - 2023) (Term 73 - 84 months)auto_used_84mo5.940% APR5.940%84 mo · usedStandard
New Auto Loans (2024 or newer) (Term 73 - 84 months)auto_new_84mo5.940% APR5.940%84 mo · newStandard
Motorcycles & Off-Road Vehicles (Term 61 - 72 months)motorcycle_any_72mo6.740% APR6.740%72 moStandard
Motorcycles & Off-Road Vehicles (Term 73 - 84 months)motorcycle_any_84mo6.990% APR6.990%84 moStandard

HELOC rates

9 offers
Sound Credit Union heloc rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
HELOC (Variable) — Intro Rateheloc_variable4.990% APR4.990%—Introductory offer
Program Fixed Home Equity Loan Late Paymentheloc_fixed5.000% APR5.000%—Standard
Program HELOC Late Paymentheloc_variable5.000% APR5.000%—Standard
Home Equity Loans 3 Up to 70% LTVheloc_fixed5.130% APR5.130%—Standard
Home Equity Loans 3 Up to 80% LTVheloc_fixed6.130% APR6.130%—Standard
LTV Up to 70% LTVheloc6.750% APR6.750%—Standard
LTV 70% - 80% LTVheloc7.750% APR7.750%—Standard
Home Equity Loans 3 Up to 90% LTVheloc_fixed7.880% APR7.880%—Standard
LTV 80% - 90% LTVheloc9.750% APR9.750%—Standard

Personal loan rates

7 offers
Sound Credit Union personal loan rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Personal Loans (Term 0-12 months)personal_unsecured_12mo8.250% APR8.250%12 moStandard
Personal Loans (Term 13-24 months)personal_unsecured_24mo8.650% APR8.650%24 moStandard
Personal Loans (Term 25-36 months)personal_unsecured_36mo9.150% APR9.150%36 moStandard
Personal Loans (Term 37-48 months)personal_unsecured_48mo9.750% APR9.750%48 moStandard
Personal Loans (Term 49-60 months)personal_unsecured_60mo10.250% APR10.250%60 moStandard
Loan Type Personal Line of Creditploc_variable10.700% APR10.700%—Standard
Personal Loans (Term 61-72 months)personal_unsecured_72mo11.150% APR11.150%72 moStandard

Credit card rates

6 offers
Sound Credit Union credit card rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Card Type Select Securedcredit_card_secured10.450% APR10.450%—Standard
Card Type Selectcredit_card10.450% APR10.450%—Standard
Select Secured Credit Cardcredit_card_secured10.450% APR10.450%—Standard
Select Credit Cardcredit_card10.450% APR10.450%—Standard
Rewards Credit Cardcredit_card_rewards12.450% APR12.450%—Standard
Cash Back Credit Cardcredit_card_cash_back12.450% APR12.450%—Standard

Savings & CD rates

29 offers
Sound Credit Union savings & cd rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Savings Secondary Savingssavings0.05% APY0.05%—Standard
Cash Back on Debit Card Purchases N/Asavings0.10% APY0.10%—Standard
IRAira0.15% APY0.15%—Standard
Savings Health Savings Accountsavings0.15% APY0.15%—Standard
Savings Save to Win Savingssavings0.25% APY0.25%—Standard
High-Yield Money Market $100,000 & Abovemoney_market1.98% APY1.98%—Standard
High-Yield Money Market $0-$99,999money_market1.98% APY1.98%—Standard
60-Month IRA Certificateira_cd_60mo2.23% APY2.23%60 moStandard
48-Month Certificatecd_48mo2.50% APY2.47%48 moStandard
Certificate Accounts 30 Month (Flex)cd_30mo2.50% APY2.47%30 moStandard
Certificate Accounts 60 Month (Bump)cd_60mo2.50% APY2.47%60 moStandard
3-Month Certificatecd_3mo2.50% APY2.47%3 moStandard
36-Month IRA Certificateira_cd_36mo2.62% APY2.62%36 moStandard
Certificate Accounts 36 Month (Bump)cd_36mo2.65% APY2.62%36 moStandard
24-Month IRA Certificateira_cd_24mo2.72% APY2.72%24 moStandard
24-Month Certificatecd_24mo2.75% APY2.72%24 moStandard
Jumbo Certificates 60 Monthcd_60mo2.75% APY2.75%60 moStandard
Jumbo Certificates 36 Monthcd_36mo2.91% APY2.91%36 moStandard
18-Month IRA Certificateira_cd_18mo2.95% APY2.95%18 moStandard
Certificate Accounts 18 Month (Flex)cd_18mo2.99% APY2.95%18 moStandard
Jumbo Certificates 24 Monthcd_24mo3.01% APY3.01%24 moStandard
Jumbo Certificates 18 Monthcd_18mo3.25% APY3.25%18 moStandard
6-Month Certificatecd_6mo3.40% APY3.35%6 moStandard
12-Month IRA Certificateira_cd_12mo3.44% APY3.44%12 moStandard
12-Month Certificatecd_12mo3.50% APY3.45%12 moStandard
Jumbo Certificates 6 Monthcd_6mo3.65% APY3.65%6 moStandard
Jumbo Certificates 12 Monthcd_12mo3.75% APY3.75%12 moStandard
10-Month Certificatecd_10mo3.80% APY3.80%10 moStandard
Certificate Accounts 10 Month (Promo)cd_10mo3.80% APY3.74%10 moStandard

Other rates

1 offer
Sound Credit Union other rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Program Consumer Loan Late Paymentother5.000% %5.000%—Standard

Vehicle loans available from 4.64% APR for 36 months. HELOC rates from 5% APR. Personal loan rates from 8.25% APR. Credit card rates from 10.45% APR. Savings and certificate yields up to 3.80% APY.

Source: RateAPI.dev, verified from Sound Credit Union's official website

Loading branch locator…

About Sound Credit Union

Institution facts reported to the National Credit Union Administration for Invalid Date.

Members
181K
Assets
$3.4B
Founded
1940
Locations reported
28
NCUA charter
66331
Charter type
Federally insured state-chartered credit union

Services and member support

  • Online membership application
  • Online loan application
  • Open an account online
  • Electronic statements
  • Mobile check deposit
  • Mobile payments
  • Financial counseling
  • Financial education
  • Bilingual services
  • Student scholarships

Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.

Other credit unions with branches nearby

Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby.

Boeing EmployeesPierce County Financial Center · Tacoma · WA · 98405About 1.4 miles awayNavy Federal Credit UnionTacoma WA · TACOMA · WA · 98405About 1.4 miles awaySeattle MetropolitanHilltop · Tacoma · WA · 98405-4186About 1.4 miles awayCascadeTacoma · Tacoma · WA · 98409-7472About 3.2 miles awayHarborstone74th Street Branch · Tacoma · WA · 98409About 3.2 miles awayIbew 76Main Office · Tacoma · WA · 98409About 3.2 miles away

Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance.

Who Can Join Sound Credit Union

Membership eligibility from Sound Credit Union's own published criteria. How we verify this.

Community charter: live/work in WA

  • LocationWA

Cost to join: No membership fee or minimum deposit listed.

Verified from Sound Credit Union's membership page. Final membership determination is always made by the credit union.

Work at Sound Credit Union?

This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Sound Credit Union ranks against Washington peers.

Claim this profileHow scorecards work

Frequently Asked Questions

What rates does Sound Credit Union offer?

Sound Credit Union currently offers vehicle loan, HELOC, personal loan, and credit card rates. The rates shown on this page were last verified August 4, 2026 directly from the credit union's official website.

How often are Sound Credit Union rates updated?

RateAPI verifies Sound Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 4, 2026.

Where does RateAPI get Sound Credit Union's rate data?

Rate data is collected directly from Sound Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.

What are Sound Credit Union's auto & motorcycle loan rates?

As of August 4, 2026, Sound Credit Union offers vehicle loans from 4.64% APR.

What is Sound Credit Union's HELOC rate?

As of August 4, 2026, Sound Credit Union offers home equity lines of credit from 5% APR.

What is Sound Credit Union's personal loan rate?

As of August 4, 2026, Sound Credit Union offers personal loans from 8.25% APR.

What is Sound Credit Union's best CD rate?

As of August 4, 2026, Sound Credit Union offers savings and certificate (CD) yields up to 3.80% APY.

Related Rate Data

Compare Sound Credit Union's rates against national credit-union benchmarks.

More Washington credit unionsAuto loan rate benchmarkHELOC ratesPersonal loan ratesCredit card ratesHow we verify rates

Source Information

Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.

View Original Source

Methodology

Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.

View Methodology

Track Sound Credit Union rates

Get a free API key to query these rates programmatically, or get the daily email when Washington credit union rates move.

Daily rate email

Use it via API

Access this data programmatically with our REST API

terminal
# Get rates for Sound Credit Union
curl "https://api.rateapi.dev/credit-unions/washington/sound" \
  -H "Authorization: Bearer YOUR_API_KEY"
Explore API DocumentationUse with Claude