--- title: "Sound Credit Union Rates (Nov 2026): CDs to 4.05%" description: "Sound Credit Union rates today: savings & CDs up to 4.05% APY. Every rate verified daily from the official website — no pay-to-rank. See who can join Sound Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/washington/sound" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Sound Credit Union Rates (Nov 2026): CDs to 4.05% ### Auto & vehicle rates 17 offers | Product | Published | Rate | Term / condition | Status | | **New Auto Loan** auto_new | — APR | 5.140% | new | Standard | | **Used Auto Loans (2016 - 2023) (Term 0 - 36 months)** auto_used_36mo | — APR | 5.140% | 36 mo · used | Standard | | **New Auto Loans (2024 or newer) (Term 0 - 36 months)** auto_new_36mo | — APR | 5.140% | 36 mo · new | Standard | | **Used Auto Loans (2016 - 2023) (Term 37 - 48 months)** auto_used_48mo | — APR | 5.540% | 48 mo · used | Standard | | **New Auto Loans (2024 or newer) (Term 37 - 48 months)** auto_new_48mo | — APR | 5.540% | 48 mo · new | Standard | | **New Auto Loans (2024 or newer) (Term 49 - 60 months)** auto_new_60mo | — APR | 5.840% | 60 mo · new | Standard | | **Used Auto Loans (2016 - 2023) (Term 49 - 60 months)** auto_used_60mo | — APR | 5.840% | 60 mo · used | Standard | | **Motorcycles & Off-Road Vehicles (Term 0 - 60 months)** motorcycle_any_60mo | — APR | 5.890% | 60 mo | Standard | | **Used Auto Loans (2016 - 2023) (Term 61 - 72 months)** auto_used_72mo | — APR | 6.140% | 72 mo · used | Standard | | **RVs, Boats, Water & Snow Craft (Term 0 - 84 months)** rv_any_84mo | — APR | 6.140% | 84 mo | Standard | | **New Auto Loans (2024 or newer) (Term 61 - 72 months)** auto_new_72mo | — APR | 6.140% | 72 mo · new | Standard | | **New Auto Loans (2024 or newer) (Term 73 - 84 months)** auto_new_84mo | — APR | 6.440% | 84 mo · new | Standard | | **Used Auto Loans (2016 - 2023) (Term 73 - 84 months)** auto_used_84mo | — APR | 6.440% | 84 mo · used | Standard | | **RVs, Boats, Water & Snow Craft (Term 85 - 144 months)** rv_any_144mo | — APR | 6.490% | 144 mo | Standard | | **Motorcycles & Off-Road Vehicles (Term 61 - 72 months)** motorcycle_any_72mo | — APR | 6.740% | 72 mo | Standard | | **Motorcycles & Off-Road Vehicles (Term 73 - 84 months)** motorcycle_any_84mo | — APR | 6.990% | 84 mo | Standard | | **RVs, Boats, Water & Snow Craft (Term 145 - 180 months)** rv_any_180mo | — APR | 7.490% | 180 mo | Standard | Sound Credit Union auto & vehicle rates as of November 13, 2026 ### HELOC rates 14 offers | Product | Published | Rate | Term / condition | Status | | **Program Fixed Home Equity Loan Late Payment** heloc_fixed | — APR | 5.000% | — | Standard | | **Program HELOC Late Payment** heloc_variable | — APR | 5.000% | — | Standard | | **Home Equity Loans 3 Up to 70% LTV** heloc_fixed | — APR | 5.130% | — | Standard | | **Home Equity Loans 2 Up to 70% LTV** heloc_fixed | — APR | 5.380% | — | Standard | | **Express Home Equity Mortgage 1 Up to 75% LTV** heloc | — APR | 5.380% | — | Standard | | **Home Equity Loans 5 Up to 70% LTV** heloc_fixed | — APR | 5.880% | — | Standard | | **Home Equity Loans 4 Up to 70% LTV** heloc_fixed | — APR | 6.130% | — | Standard | | **Home Equity Loans 3 Up to 80% LTV** heloc_fixed | — APR | 6.130% | — | Standard | | **Home Equity Loans 2 Up to 80% LTV** heloc_fixed | — APR | 6.380% | — | Standard | | **LTV Up to 70% LTV** heloc | — APR | 7.000% | — | Standard | | **Home Equity Loans 3 Up to 90% LTV** heloc_fixed | — APR | 7.880% | — | Standard | | **LTV 70% - 80% LTV** heloc | — APR | 8.000% | — | Standard | | **Home Equity Loans 2 Up to 90% LTV** heloc_fixed | — APR | 8.130% | — | Standard | | **LTV 80% - 90% LTV** heloc | — APR | 10.000% | — | Standard | Sound Credit Union heloc rates as of November 13, 2026 ### Personal loan rates 7 offers | Product | Published | Rate | Term / condition | Status | | **Personal Loans (Term 0-12 months)** personal_unsecured_12mo | — APR | 8.250% | 12 mo | Standard | | **Personal Loans (Term 13-24 months)** personal_unsecured_24mo | — APR | 8.650% | 24 mo | Standard | | **Personal Loans (Term 25-36 months)** personal_unsecured_36mo | — APR | 9.150% | 36 mo | Standard | | **Personal Loans (Term 37-48 months)** personal_unsecured_48mo | — APR | 9.750% | 48 mo | Standard | | **Personal Loans (Term 49-60 months)** personal_unsecured_60mo | — APR | 10.250% | 60 mo | Standard | | **Loan Type Personal Line of Credit** ploc_variable | — APR | 10.700% | — | Standard | | **Personal Loans (Term 61-72 months)** personal_unsecured_72mo | — APR | 11.150% | 72 mo | Standard | Sound Credit Union personal loan rates as of November 13, 2026 ### Credit card rates 4 offers | Product | Published | Rate | Term / condition | Status | | **Card Type Select** credit_card | — APR | 10.700% | — | Standard | | **Card Type Select Secured** credit_card_secured | — APR | 10.700% | — | Standard | | **Card Type Cash Back** credit_card_cash_back | — APR | 12.700% | — | Standard | | **Card Type Rewards** credit_card_rewards | — APR | 12.700% | — | Standard | Sound Credit Union credit card rates as of November 13, 2026 ### Savings & CD rates 31 offers | Product | Published | Rate | Term / condition | Status | | **Savings Secondary Savings** savings | 0.05% APY | 0.05% | — | Standard | | **Savings Minor Savings 1** savings | — APY | 0.05% | — | Eligibility restricted | | **Cash Back on Debit Card Purchases N/A** savings | — APY | 0.10% | — | Standard | | **Savings Health Savings Account** savings | 0.15% APY | 0.15% | — | Standard | | **IRA** ira | 0.15% APY | 0.15% | — | Standard | | **Savings Save to Win Savings** savings | 0.25% APY | 0.25% | — | Standard | | **SAVE TO WIN Savings Account** savings | — APY | 0.25% | — | Standard | | **High-Yield Money Market $100,000 & Above** money_market | 2.00% APY | 1.98% | — | Standard | | **High-Yield Money Market $0-$99,999** money_market | 2.00% APY | 1.98% | — | Standard | | **60-Month IRA Certificate** ira_cd_60mo | 2.25% APY | 2.23% | 60 mo | Standard | | **Certificate Accounts 30 Month (Flex)** cd_30mo | 2.50% APY | 2.47% | 30 mo | Standard | | **Certificate Accounts 60 Month (Bump)** cd_60mo | 2.50% APY | 2.47% | 60 mo | Standard | | **48-Month Certificate** cd_48mo | 2.50% APY | 2.47% | 48 mo | Standard | | **3-Month Certificate** cd_3mo | 2.50% APY | 2.47% | 3 mo | Standard | | **Certificate Accounts 36 Month (Bump)** cd_36mo | 2.65% APY | 2.62% | 36 mo | Standard | | **36-Month IRA Certificate** ira_cd_36mo | 2.65% APY | 2.62% | 36 mo | Standard | | **Jumbo Certificates 60 Month** cd_60mo | 2.75% APY | 2.72% | 60 mo | Standard | | **24-Month IRA Certificate** ira_cd_24mo | 2.75% APY | 2.72% | 24 mo | Standard | | **24-Month Certificate** cd_24mo | 2.75% APY | 2.72% | 24 mo | Standard | | **Jumbo Certificates 36 Month** cd_36mo | 2.91% APY | 2.87% | 36 mo | Standard | | **Certificate Accounts 18 Month (Flex)** cd_18mo | 2.99% APY | 2.95% | 18 mo | Standard | | **18-Month IRA Certificate** ira_cd_18mo | 2.99% APY | 2.95% | 18 mo | Standard | | **Jumbo Certificates 24 Month** cd_24mo | 3.01% APY | 2.97% | 24 mo | Standard | | **Jumbo Certificates 18 Month** cd_18mo | 3.25% APY | 3.20% | 18 mo | Standard | | **6-Month Certificate** cd_6mo | 3.40% APY | 3.35% | 6 mo | Standard | | **12-Month Certificate** cd_12mo | 3.50% APY | 3.45% | 12 mo | Standard | | **12-Month IRA Certificate** ira_cd_12mo | 3.50% APY | 3.44% | 12 mo | Standard | | **Jumbo Certificates 6 Month** cd_6mo | 3.65% APY | 3.59% | 6 mo | Standard | | **Jumbo Certificates 12 Month** cd_12mo | 3.75% APY | 3.69% | 12 mo | Standard | | **Certificate Accounts 11 Month (Promo)** cd_11mo | 3.95% APY | 3.88% | 11 mo | Standard | | **Jumbo Certificates 13 Month (Promo)** cd_13mo | 4.05% APY | 3.98% | 13 mo | Standard | Sound Credit Union savings & cd rates as of November 13, 2026 ### Other rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Program Consumer Loan Late Payment** other | — % | 5.000% | — | Standard | | **Program Coin Processing (loose/rolled)** other | — % | 8.000% | — | Standard | Sound Credit Union other rates as of November 13, 2026 Savings and certificate yields up to 4.05% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/washington/sound) , verified from [Sound Credit Union's official website](https://www.soundcu.com/) 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](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . 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. [**Seattle Metropolitan** Hilltop · Tacoma · WA · 98405-4186 About 0.4 miles away](https://rateapi.dev/credit-unions/washington/seattle-metropolitan) [**Tapco** 6th Avenue · Tacoma · WA · 98406-6708 About 1.3 miles away](https://rateapi.dev/credit-unions/washington/tapco) [**Navy Federal Credit Union** Tacoma WA · TACOMA · WA · 98405 About 2.0 miles away](https://rateapi.dev/credit-unions/virginia/navy-federal-credit-union) [**Boeing Employees** Pierce County Financial Center · Tacoma · WA · 98405 About 2.0 miles away](https://rateapi.dev/credit-unions/washington/boeing-employees) [**Cascade** Tacoma · Tacoma · WA · 98409-7472 About 2.4 miles away](https://rateapi.dev/credit-unions/washington/cascade) [**Ibew 76** Main Office · Tacoma · WA · 98409 About 2.4 miles away](https://rateapi.dev/credit-unions/washington/ibew-76) 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](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Sound Credit Union's website. Check the membership page below to confirm whether you qualify. - Location WA Verified from [Sound Credit Union's membership page](https://www.soundcu.com/open-an-account/) . Final membership determination is always made by the credit union. ## Membership rules for Sound Credit Union Geography 1 · Family 2 published paths to membership, last verified August 21, 2026, quoted from Sound Credit Union’s own published criteria. ### Geography 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - WA “Is your business registered and located in Washington State?” > [source ↗](https://www.soundcu.com/open-an-account/) ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Family of a member “Are you directly related to someone who meets that qualification?” > [source ↗](https://www.soundcu.com/open-an-account/) - Family member of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Sound Credit Union? Yes No ## 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. - See which AI assistants fetched Sound Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Washington - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=sound&state=washington&code=WA&name=Sound%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## 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 November 13, 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 November 13, 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 is Sound Credit Union's best CD rate? As of November 13, 2026, Sound Credit Union offers savings and certificate (CD) yields up to 4.05% APY. ### Who can join Sound Credit Union? Sound Credit Union publishes its membership criteria on its own website. RateAPI tracks 2 published membership paths covering 1 geographic area for Sound Credit Union, each quoted from Sound Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Sound Credit Union's rates against national credit-union benchmarks. [More Washington credit unions](https://rateapi.dev/credit-unions/washington) [Washington auto loan rate leaders](https://rateapi.dev/auto-loan-rates/washington) [Washington HELOC rate leaders](https://rateapi.dev/heloc-rates/washington) [Washington personal loan leaders](https://rateapi.dev/personal-loan-rates/washington) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [Credit card rates](https://rateapi.dev/credit-card-rates) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.soundcu.com/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/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. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## 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 Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Sound Credit Union locations Search, filter, and browse all 28 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/washington/sound Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp