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1331 Broadway
Tacoma, WA 98402-3410

Sound Credit Union is headquartered in Tacoma and is the 7th largest credit union in the state of Washington. It is also the 183rd largest credit union in the nation. It was established in 1940 and as of September of 2016, it had grown to 239 employees and 115,115 members at 24 locations. Sound Credit Union has an A+ health rating.

Field of Membership Restrictions

Membership in Sound Credit Union is open to those who live or work in the state of Washington and their immediate family.
See current membership details

Related Posts

$100 Checking Bonus At Sound Credit Union In Washington State - 2/15/2017

$100 bonus requirements: 1) Open a new Sound Checking Account (Choose from Free, Plus, Advantage, High-Yield, and Visions.) 2) Set up a new recurring payroll direct deposit of $250 a month or more. https://www.soundcu.com/promotions/100-checking/

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Happy Long Time Members!

We have been members of Sound Credit Union since 1991. From day one, we've been happy with our experience. They have some of the best loan rates around and our checking account is free. The service has always been great. We really like the updated website and the information we're looking for is easy to find. Their online banking and bill pay is user friendly making our account accessible 24/7. We look forward to many more happy years.....and thank you for making our banking experience a good one!

Learning To Like

My credit union mereged with Sound, and at first it was rough, and I did not like it. Things have gotten better, and there has been no reason to consider switching banks lately. I have had experience with bad banks, but thankfully Sound is not one of them.

Switched to Sound Credit Union

Posted by: golbleen | Apr 29, 2015

After being dissatisfied with my bank in Kansas for several years I made a switch to Sound Credit Union, one of the local credit unions in the Washington State area. The minimum deposit was around $75; I was required to open a Savings Account along with my Checking Account.

As far as general teller services go, the credit union is great. Everyone is helpful and even willing to negotiate issues like overdraft fees and fraud-related account problems. I get seen almost instantly every time I walk in, and their online system, while standard, works just as well as any out there. Also, their overdraft protection system is very consumer-friendly - rather than charging you $35, $40, or more for a single overdraft to your checking account, there's only a small $5 fee to withdraw what's needed from savings as backup. This adds up over time, for for little accounting mistakes it's a huge saving grace. If the money truly isn't available they also forgive one overdraft per year. They also offer the usual deal where you get $100 for switching after so many direct deposits.

The biggest downside I can think of is their ATM services. The main branch in Downtown Tacoma is way behind the times - The ATM there doesn't even accept check or cash deposits! This means if I -must- do something on a Sunday or similar, I can't. There's also a monthly fee for checking if you don't maintain at least $25 in your savings account, which is rough if you're very low-income. There's also a monthly transfer limit, which is a little annoying - I have to head out to an ATM every time I want to transfer between checkings and savings.

Overall, I'd recommend Sound if you want something small, considerate, and local and don't need all the bells and whistles of an account with a big national bank.

Membership Deposir Requirements Are BS

I was trying to order a new debit card cause i lost mine and they wouldnt do it just because i was under there stupid membership deposit requirement of 25.00 dollars. They told me i had to have that in there in order to get a new card. I explained to them my next paycheck isnt untill another week and half. And i would like to order a new one now so i dont have to wait a week after i get my paycheck so i can pay my bills on time. Let me add i have direct deposit so im good for it on getting that updated to 25.00. Because i do all my bill paying online and need my debit info to pay. They couldnt bend any rules there so i can get my debit card at the time of my paycheck? Nope i had to wait till i got my direct deposit paycheck in a week and a half just to fucking order a new debit card. Im done with this bank and there stupid membership deposit requirement shit.



Health Grade Components

NCUA #66331
Year Chartered1940
Primary Regulator
Profit Margin
Return on Assets - YTD1.31%
Return on Equity - YTD11%
Annual Interest Income$32.2MM
Assets and Liabilities
AssetsQ3 2016vs Q3 2015$1.34B$1.21B
LoansQ3 2016vs Q3 2015$946.7MM$805.3MM
DepositsQ3 2016vs Q3 2015$1.15B$1.04B
Equity CapitalQ3 2016vs Q3 2015$157.8MM$140.4MM
Loan Loss AllowanceQ3 2016vs Q3 2015$4.4MM$4.5MM
Unbacked Noncurrent LoansQ3 2016vs Q3 2015$1.9MM$1.7MM
Real Estate OwnedQ3 2016vs Q3 2015$112.00K$0
  User-submitted Promotions & Notices

This section lists recent deals, promotions and rate changes submitted by our community within the past 90 days. Always verify official rates and promotions with the bank or credit union.

$100 Checking Bonus At Sound Credit Union In Washington State

stevel   |  
$100 bonus requirements:

1) Open a new Sound Checking Account (Choose from Free, Plus, Advantage, High-Yield, and Visions.)
2) Set up a new recurring payroll direct deposit of $250 a month or more.


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Always verify rates and promotions with the bank or credit union. We are not Sound Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Sound Credit Union Savings Account Rates

0.20%--IRA Savings
0.15%--Health Savings Account
0.05%$100-Prime Savings
0.05%--Club Account
0.05%$100-Business Savings
0.05%--Secondary Business Savings
0.05%--Minor Savings

Sound Credit Union Money Market Rates

0.40%*$500k*-High-Yield Money Market
OTHER TIERS: 0.05% $2,500 - $50k | 0.20% $50k - $100k | 0.25% $100k - $200k | 0.30% $200k - $300k | 0.35% $300k - $500k
0.40%*$500k*-Business High-Yield Money Market
OTHER TIERS: 0.05% $2,500 - $50k | 0.20% $50k - $100k | 0.25% $100k - $200k | 0.30% $200k - $300k | 0.35% $300k - $500k
0.20%*$50k*-Money Market Plus
OTHER TIERS: 0.05% $2,500 - $25k | 0.10% $25k - $50k
0.20%*$50k*-Business Money Market Plus
OTHER TIERS: 0.05% $2,500 - $25k | 0.10% $25k - $50k
0.10%*$5k*-Money Market
OTHER TIERS: 0.05% $2,500 - $5k
0.10%*$5k*-Business Money Market
OTHER TIERS: 0.05% $2,500 - $5k

Sound Credit Union Checking Account Rates

0.20%*$50k*-High-Yield Checking
OTHER TIERS: 0.05% Up to $10k | 0.10% $10k - $25k | 0.15% $25k - $50k
0.20%*$50k*-High-Yield Business Checking
OTHER TIERS: 0.05% Up to $10k | 0.10% $10k - $25k | 0.15% $25k - $50k
0.05%$1k-Plus Checking
0.05%$1k-Advantage Checking
0.05%--Visions Checking

Sound Credit Union CD Rates

1.30%$100k-60 Month Jumbo CD
1.30%$100k-Business 60 Month Jumbo CD
1.25%$500-60 Month CD
1.25%$500-Business 60 Month CD
1.25%$2,500-60 Month Bump CD
1.25%$2,500-Business 60 Month Bump CD
1.00%$500-48 Month CD
1.00%$500-Business 48 Month CD
0.80%$100k-36 Month Jumbo CD
0.80%$100k-Business 36 Month Jumbo CD
0.75%$500-36 Month CD
0.75%$500-Business 36 Month CD
0.75%$2,500-36 Month Bump CD
0.75%$2,500-Business 36 Month Bump CD
0.55%$100k-24 Month Jumbo CD
0.55%$100k-Business 24 Month Jumbo CD
0.50%$500-24 Month CD
0.50%$500-Business 24 Month CD
0.30%$2,500-30 Month Flex CD
0.30%$2,500-Business 30 Month Flex CD
0.25%$100k-18 Month Jumbo CD
0.25%$100k-Business 18 Month Jumbo CD
0.20%$2,500-18 Month Flex CD
0.20%$100k-11 Month Jumbo CD
0.20%$100k-12 Month Jumbo CD
0.20%$100k-Business 11 Month Jumbo CD
0.20%$100k-Business 12 Month Jumbo CD
0.20%$2,500-Business 18 Month Flex CD
0.15%$500-11 Month CD
0.15%$500-12 Month CD
0.15%$100k-6 Month Jumbo CD
0.15%$100k-9 Month Jumbo CD
0.15%$100k-Business 6 Month Jumbo CD
0.15%$100k-Business 9 Month Jumbo CD
0.15%$500-Business 11 Month CD
0.15%$500-Business 12 Month CD
0.10%$500-3 Month CD
0.10%$500-6 Month CD
0.10%$500-9 Month CD
0.10%$500-Business 3 Month CD
0.10%$500-Business 6 Month CD
0.10%$500-Business 9 Month CD

Sound Credit Union IRA Rates

1.35%$1k-60 Month IRA
0.85%$1k-36 Month IRA
0.60%$1k-24 Month IRA
0.30%$1k-18 Month IRA
0.25%$1k-12 Month IRA

Sound Credit Union has 24 locations. Click to view all Sound Credit Union locations.