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Sound Community Bank


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/30/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/30/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.soundcb.com
800-458-5585
2400 Third Avenue
Seattle, WA 98121

Sound Community Bank is headquartered in SEATTLE and is the 17th largest bank in the state of Washington. It is also the 969th largest bank in the nation. It was established in 1953 and as of March of 2025, it had grown to 116 employees at 10 locations. Sound Community Bank's money market rates are 9X the national average, and it has a B+ health rating.

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Health
B+

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #57451
Year Established1953
Employees116
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.57%
Return on Equity - YTD5.17%
Annual Interest Income$13.7MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$1.07B$1.09B
LoansQ1 2025vs Q1 2024$880.1MM$889.6MM
DepositsQ1 2025vs Q1 2024$919.4MM$922.8MM
Equity CapitalQ1 2025vs Q1 2024$112.5MM$111.2MM
Loan Loss AllowanceQ1 2025vs Q1 2024$8.4MM$8.6MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$9.6MM$9MM
Real Estate OwnedQ1 2025vs Q1 2024$41K$690K
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/30/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/30/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Sound Community Bank Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%$100-Regular Savings Account
0.10%$100-Business Savings Account
0.10%$0-Educational Savings
0.10%$0-Youth Savings Account
0.10%$1k-Health Savings Account

Sound Community Bank Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.33%*$1m*-Business Premier Money Market
OTHER TIERS: 0.50% → $0 - $50k | 1.26% → $50k - $100k | 1.51% → $100k - $250k | 3.56% → $250k - $500k | 3.82% → $500k - $750k | 4.07% → $750k - $1m
3.76%*$1m*-Apex Money Market
OTHER TIERS: 0.10% → $0 - $25k | 1.16% → $25k - $50k | 1.66% → $50k - $100k | 3.20% → $100k - $250k | 3.51% → $250k - $500k | 3.61% → $500k - $1m
3.76%*$1m*-Business Apex Money Market
OTHER TIERS: 0.10% → $0 - $25k | 1.16% → $25k - $50k | 1.66% → $50k - $100k | 3.20% → $100k - $250k | 3.51% → $250k - $500k | 3.61% → $500k - $1m
3.40%*$250k*-Momentum Money Market
OTHER TIERS: 1.00% → $25k - $50k | 1.51% → $50k - $100k | 2.94% → $100k - $250k
3.40%*$250k*-Business Momentum Money Market
OTHER TIERS: 1.00% → $25k - $50k | 1.51% → $50k - $100k | 2.94% → $100k - $250k
1.41%*$1m*-eMoney Maker
OTHER TIERS: 0.10% → $0 - $25k | 0.15% → $25k - $50k | 0.21% → $50k - $100k | 0.26% → $100k - $250k | 0.76% → $250k - $500k | 1.16% → $500k - $1m
1.41%*$1m*-Business eMoney Maker
OTHER TIERS: 0.10% → $0 - $25k | 0.15% → $25k - $50k | 0.21% → $50k - $100k | 0.26% → $100k - $250k | 0.76% → $250k - $500k | 1.16% → $500k - $1m

Sound Community Bank Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.41%*$50k*-Interest Plus Checking
OTHER TIERS: 0.10% → $0 - $5k | 0.25% → $5k - $20k | 1.16% → $20k - $50k
0.01%$1k-Prime Checking (50+)

Sound Community Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.05%$100k-5 Month Jumbo CD with Checking
4.05%$100k-Business 5 Month Jumbo CD with Checking
3.80%$100k-15 Month Jumbo CD with Checking
3.80%$100k-Business 15 Month Jumbo CD with Checking
3.79%$1k-5 Month CD with Checking
3.79%$500-5 Month Youth CD with Checking
3.79%$1k-Business 5 Month CD with Checking
3.75%$100k-11 Month Jumbo CD with checking
3.75%$100k-Business 11 Month Jumbo CD w/ checking
3.55%$1k-15 Month CD with Checking
3.55%$500-15 Month Youth CD with Checking
3.55%$1k-Business 15 Month CD with Checking
3.54%$100k-5 Month Jumbo CD
3.54%$100k-Business 5 Month Jumbo CD
3.49%$1k-11 Month CD with Checking
3.49%$1k-Business 11 Month CD with Checking
3.49%$500-11 Month Youth CD with Checking
3.45%$100k-6 Month Jumbo CD with Checking
3.45%$100k-Business 6 Month Jumbo CD with Checking
3.45%$100k-23 Month Jumbo CD with Checking
3.45%$100k-Business 23 Month Jumbo CD with Checking
3.40%$100k-18 Month Jumbo CD with Checking
3.40%$100k-Business 18 Month Jumbo CD with Checking
3.30%$100k-12 Month Jumbo CD with Checking
3.30%$100k-Business 12 Month Jumbo CD with Checking
3.29%$100k-15 Month Jumbo CD
3.29%$100k-Business 15 Month Jumbo CD
3.28%$1k-5 Month CD
3.28%$500-5 Month Youth CD
3.28%$1k-Business 5 Month CD
3.24%$100k-11 Month Jumbo CD
3.24%$100k-Business 11 Month Jumbo CD
3.20%$1k-6 Month CD with Checking
3.20%$1k-Business 6 Month CD with Checking
3.20%$500-6 Month Youth CD with Checking
3.20%$1k-23 Month CD with Checking
3.20%$500-23 Month Youth CD with Checking
3.20%$1k-Business 23 Month CD with Checking
3.14%$1k-18 Month CD with Checking
3.14%$1k-Business 18 Month CD with Checking
3.14%$500-18 Month Youth CD with Checking
3.04%$1k-12 Month CD with Checking
3.04%$1k-Business 12 Month CD with Checking
3.04%$100k-3 Month Jumbo CD with Checking
3.04%$100k-24 Month Jumbo CD with Checking
3.04%$100k-Business 3 Month Jumbo CD with Checking
3.04%$100k-Business 24 Month Jumbo CD with Checking
3.04%$500-12 Month Youth CD with Checking
3.03%$1k-15 Month CD
3.03%$500-15 Month Youth CD
3.03%$1k-Business 15 Month CD
2.98%$1k-11 Month CD
2.98%$1k-Business 11 Month CD
2.98%$500-11 Month Youth CD
2.94%$100k-6 Month Jumbo CD
2.94%$100k-Business 6 Month Jumbo CD
2.94%$100k-23 Month Jumbo CD
2.94%$100k-Business 23 Month Jumbo CD
2.89%$100k-18 Month Jumbo CD
2.89%$100k-Business 18 Month Jumbo CD
2.78%$1k-24 Month CD with Checking
2.78%$1k-Business 24 Month CD with Checking
2.78%$1k-3 Month CD with Checking
2.78%$1k-Business 3 Month CD with Checking
2.78%$100k-12 Month Jumbo CD
2.78%$100k-Business 12 Month Jumbo CD
2.78%$500-3 Month Youth CD with Checking
2.78%$500-24 Month Youth CD with Checking
2.68%$1k-6 Month CD
2.68%$1k-Business 6 Month CD
2.68%$100k-60 Month Jumbo CD with Checking
2.68%$100k-Business 60 Month Jumbo CD with Checking
2.68%$500-6 Month Youth CD
2.68%$1k-23 Month CD
2.68%$500-23 Month Youth CD
2.68%$1k-Business 23 Month CD
2.63%$1k-18 Month CD
2.63%$1k-Business 18 Month CD
2.63%$500-18 Month Youth CD
2.53%$1k-12 Month CD
2.53%$1k-Business 12 Month CD
2.53%$100k-3 Month Jumbo CD
2.53%$100k-24 Month Jumbo CD
2.53%$100k-48 Month Jumbo CD with Checking
2.53%$100k-Business 3 Month Jumbo CD
2.53%$100k-Business 24 Month Jumbo CD
2.53%$100k-Business 48 Month Jumbo CD with Checking
2.53%$500-12 Month Youth CD
2.43%$1k-60 Month CD with Checking
2.43%$1k-Business 60 Month CD with Checking
2.43%$100k-36 Month Jumbo CD with Checking
2.43%$100k-Business 36 Month Jumbo CD with Checking
2.43%$500-60 Month Youth CD with Checking
2.27%$1k-24 Month CD
2.27%$1k-48 Month CD with Checking
2.27%$1k-Business 48 Month CD with Checking
2.27%$1k-Business 24 Month CD
2.27%$1k-3 Month CD
2.27%$1k-Business 3 Month CD
2.27%$500-3 Month Youth CD
2.27%$500-24 Month Youth CD
2.27%$500-48 Month Youth CD with Checking
2.17%$1k-36 Month CD with Checking
2.17%$1k-Business 36 Month CD with Checking
2.17%$100k-60 Month Jumbo CD
2.17%$100k-Business 60 Month Jumbo CD
2.17%$500-36 Month Youth CD with Checking
2.02%$100k-48 Month Jumbo CD
2.02%$100k-Business 48 Month Jumbo CD
1.92%$1k-60 Month CD
1.92%$1k-Business 60 Month CD
1.92%$100k-36 Month Jumbo CD
1.92%$100k-Business 36 Month Jumbo CD
1.92%$500-60 Month Youth CD
1.76%$1k-48 Month CD
1.76%$1k-Business 48 Month CD
1.76%$500-48 Month Youth CD
1.66%$1k-36 Month CD
1.66%$1k-Business 36 Month CD
1.66%$500-36 Month Youth CD

Sound Community Bank IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.79%$500-5 Month IRA with Checking
3.55%$500-15 Month IRA with Checking
3.49%$500-11 Month IRA with Checking
3.28%$500-5 Month IRA
3.20%$500-6 Month IRA with Checking
3.20%$500-23 Month IRA with Checking
3.14%$500-18 Month IRA with Checking
3.04%$500-12 Month IRA with Checking
3.03%$500-15 Month IRA
2.98%$500-11 Month IRA
2.78%$500-24 Month IRA with Checking
2.78%$500-3 Month IRA with Checking
2.68%$500-6 Month IRA
2.68%$500-23 Month IRA
2.63%$500-18 Month IRA
2.53%$500-12 Month IRA
2.43%$500-60 Month IRA with Checking
2.27%$500-24 Month IRA
2.27%$500-48 Month IRA with Checking
2.27%$500-3 Month IRA
2.17%$500-36 Month IRA with Checking
1.92%$500-60 Month IRA
1.76%$500-48 Month IRA
1.66%$500-36 Month IRA
0.10%$0-IRA Savings
Locations


Cities: Mountlake Terrace, Port Angeles, Port Ludlow, Seattle, Sequim, Tacoma, University Place

Mountlake Terrace Branches
Cedar Plaza22807 44th Avenue WestMountlake Terrace, WA 98043

Port Angeles Branches
Port Angeles Branch110 North Alder StreetPort Angeles, WA 98362

Port Ludlow Branches
Port Ludlow Branch9500 Oak Bay RoadPort Ludlow, WA 98365

Seattle Branches
Sound Community Bank2400 3rd AveSeattle, WA 98121
Belltown2400 3rd Ave Suite 150Seattle, WA 98121
Downtown Seattle Office2001 Fifth AvenueSeattle, WA 98121

Sequim Branches
Sequim Branch645 W. Washington StreetSequim, WA 98382
Creekside990 East Washington Street, Suite FSequim, WA 98382

Tacoma Branches
Tacoma-South2941 South 38th StreetTacoma, WA 98409

University Place Branches
Westside Community Bank Branch4922 Bridgeport Way WestUniversity Place, WA 98467

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