Personal Rates

Checking & Savings

Checking Accounts
Account Type	Dividend Rate	APY*	Cash Back on Debit Card Purchases	Minimum Balance
Rates and fees are subject to change. Please check with your local branch, or call if we can answer any questions. ¹Direct Deposit of $500 or more and eStatements to avoid monthly service fee, otherwise $3. ²Age 55+ or have Direct Deposit of $500 or more and eStatements to avoid monthly service fee, otherwise $7 ³Cash back paid monthly on qualified debit card purchases, less returns or adjustments. Qualified purchases do not include unauthorized/fraudulent transactions, ATM withdrawals, or purchases of cash equivalents (i.e. money orders, gaming transactions, etc.).
Account Type Free Checking	Dividend Rate N/A	APY* N/A	Cash Back on Debit Card Purchases N/A	Minimum Balance N/A
Account Type Sound Debit Account¹	Dividend Rate N/A	APY* N/A	Cash Back on Debit Card Purchases N/A	Minimum Balance N/A
Account Type Interest Checking²	Dividend Rate 0.10%	APY* 0.10%	Cash Back on Debit Card Purchases N/A	Minimum Balance N/A
Account Type Cash Back Checking³	Dividend Rate N/A	APY* N/A	Cash Back on Debit Card Purchases 1% of transaction amount, up to $10 per month	Minimum Balance N/A

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Savings Accounts
Savings	Dividend Rate	APY*	Minimum Balance to Open	Minimum Balance To Earn APY^*
Rates and fees are subject to change. Please check with your local branch, or call if we can answer any questions. APY = Annual Percentage Yield ³For members age 17 and under. Note:* All savings accounts which have dividends compounded and credited are paid monthly. This Rate and Fee Schedule sets forth current conditions, rates, fees and charges applicable to your accounts at Sound Credit Union at this time. The Credit Union may offer other dividend rates, annual percentage yields and fees or amend the dividend rates, annual percentage yields and fees contained in this schedule from time to time. Fees may reduce earnings. Each account holder agrees to the terms set forth on this Rate and Fee Schedule and acknowledges that it is a part of the Membership and Account Agreement.
Savings Prime Savings	Dividend Rate 0.05%	APY* 0.05%	Minimum Balance to Open -	Minimum Balance To Earn APY^* $100
Savings Minor Savings¹	Dividend Rate 0.05%	APY* 0.05%	Minimum Balance to Open -	Minimum Balance To Earn APY^* -
Savings Secondary Savings	Dividend Rate 0.05%	APY* 0.05%	Minimum Balance to Open -	Minimum Balance To Earn APY^* -
Savings Save to Win Savings	Dividend Rate 0.25%	APY* 0.25%	Minimum Balance to Open -	Minimum Balance To Earn APY^* -
Savings IRA Savings	Dividend Rate 0.15%	APY* 0.15%	Minimum Balance to Open -	Minimum Balance To Earn APY^* -
Savings Health Savings Accounts	Dividend Rate 0.15%	APY* 0.15%	Minimum Balance to Open $50	Minimum Balance To Earn APY^* -

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High-Yield Money Market
High-Yield Money Market	Dividend Rate	APY*	Minimum Balance To Earn APY*
Rates and fees are subject to change. Please check with your local branch, or call if we can answer any questions. APY = Annual Percentage Yield Note:* All savings accounts which have dividends compounded and credited are paid monthly. This Rate and Fee Schedule sets forth current conditions, rates, fees and charges applicable to your accounts at Sound Credit Union at this time. The Credit Union may offer other dividend rates, annual percentage yields and fees or amend the dividend rates, annual percentage yields and fees contained in this schedule from time to time. Fees may reduce earnings. Each account holder agrees to the terms set forth on this Rate and Fee Schedule and acknowledges that it is a part of the Membership and Account Agreement.
High-Yield Money Market $0-$99,999	Dividend Rate 2.00%	APY* 2.02%	Minimum Balance To Earn APY* $0
High-Yield Money Market $100,000 & Above	Dividend Rate 2.00%	APY* 2.02%	Minimum Balance To Earn APY* $100,000

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Certificates

Certificates
Certificate Accounts	Dividend Rate	APY*	Minimum Balance
Rates and fees are subject to change. Early withdrawal penalties apply and may reduce earnings. Please check with your local branch, or call if we can answer any questions. APY = Annual Percentage Yield Unlimited Deposits:* Make additional deposits at any time during the term of the certificate. Bump Certificate: Minimum balance is $2,500. Rate Bump: One time upon request, we will increase your rate to the current Bump Certificate rate at the same term. The new dividend will not be applied retroactively. Penalty-Free Deposits: Unlimited deposits. Flex Certificate: Minimum balance is $2,500. Add-on option: Unlimited deposits. Bump option: Upon request, rate will be increased to current Flex Certificate rate. Withdrawal option: Withdrawal amount cannot reduce the balance to less than the $2,500 minimum. Note: All savings accounts which have dividends compounded and credited are paid monthly. This Rate and Fee Schedule sets forth current conditions, rates, fees and charges applicable to your accounts at Sound Credit Union at this time. The Credit Union may offer other dividend rates, annual percentage yields and fees or amend the dividend rates, annual percentage yields and fees contained in this schedule from time to time. Fees may reduce earnings. Each account holder agrees to the terms set forth on this Rate and Fee Schedule and acknowledges that it is a part of the Membership and Account Agreement. Federally insured by NCUA.
Certificate Accounts 3 months	Dividend Rate 2.72%	APY* 2.75%	Minimum Balance $500
Certificate Accounts 6 months	Dividend Rate 3.44%	APY* 3.50%	Minimum Balance $500
Certificate Accounts 12 months	Dividend Rate 3.93%	APY* 4.00%	Minimum Balance $500
Certificate Accounts 18 months (Flex)	Dividend Rate 2.95%	APY* 2.99%	Minimum Balance $2,500
Certificate Accounts 24 months	Dividend Rate 2.72%	APY* 2.75%	Minimum Balance $500
Certificate Accounts 30 months (Flex)	Dividend Rate 2.47%	APY* 2.50%	Minimum Balance $2,500
Certificate Accounts 36 months	Dividend Rate 2.62%	APY* 2.65%	Minimum Balance $500
Certificate Accounts 36 months (Bump)	Dividend Rate 2.62%	APY* 2.65%	Minimum Balance $2,500
Certificate Accounts 48 months	Dividend Rate 2.47%	APY* 2.50%	Minimum Balance $500
Certificate Accounts 60 months	Dividend Rate 2.23%	APY* 2.25%	Minimum Balance $500
Certificate Accounts 60 months (Bump)	Dividend Rate 2.23%	APY* 2.25%	Minimum Balance $2,500

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Jumbo Certificates
Jumbo Certificates	Dividend Rate	APY*	Minimum Balance
Rates and fees are subject to change. Early withdrawal penalties apply and may reduce earnings. Please check with your local branch, or call if we can answer any questions. APY = Annual Percentage Yield Unlimited Deposits:* Make additional deposits at any time during the term of the certificate. Note: All savings accounts which have dividends compounded and credited are paid monthly. This Rate and Fee Schedule sets forth current conditions, rates, fees and charges applicable to your accounts at Sound Credit Union at this time. The Credit Union may offer other dividend rates, annual percentage yields and fees or amend the dividend rates, annual percentage yields and fees contained in this schedule from time to time. Fees may reduce earnings. Each account holder agrees to the terms set forth on this Rate and Fee Schedule and acknowledges that it is a part of the Membership and Account Agreement. Federally insured by NCUA.
Jumbo Certificates 6 months	Dividend Rate 3.69%	APY* 3.75%	Minimum Balance $100,000
Jumbo Certificates 12 months	Dividend Rate 4.17%	APY* 4.25%	Minimum Balance $100,000
Jumbo Certificates 18 months	Dividend Rate 3.20%	APY* 3.25%	Minimum Balance $100,000
Jumbo Certificates 24 months	Dividend Rate 2.97%	APY* 3.01%	Minimum Balance $100,000
Jumbo Certificates 36 months	Dividend Rate 2.87%	APY* 2.91%	Minimum Balance $100,000
Jumbo Certificates 60 months	Dividend Rate 2.48%	APY* 2.51%	Minimum Balance $100,000

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IRA Certificates
IRA Certificates	Dividend Rate	APY*	Minimum Balance
Rates and fees are subject to change. Early withdrawal penalties apply and may reduce earnings. Please check with your local branch, or call if we can answer any questions. APY = Annual Percentage Yield Note:* All savings accounts which have dividends compounded and credited are paid monthly. This Rate and Fee Schedule sets forth current conditions, rates, fees and charges applicable to your accounts at Sound Credit Union at this time. The Credit Union may offer other dividend rates, annual percentage yields and fees or amend the dividend rates, annual percentage yields and fees contained in this schedule from time to time. Fees may reduce earnings. Each account holder agrees to the terms set forth on this Rate and Fee Schedule and acknowledges that it is a part of the Membership and Account Agreement. Federally insured by NCUA.
IRA Certificates 12 months	Dividend Rate 3.93%	APY* 4.00%	Minimum Balance $1,000
IRA Certificates 18 months	Dividend Rate 2.95%	APY* 2.99%	Minimum Balance $1,000
IRA Certificates 24 months	Dividend Rate 2.72%	APY* 2.75%	Minimum Balance $1,000
IRA Certificates 36 months	Dividend Rate 2.62%	APY* 2.65%	Minimum Balance $1,000
IRA Certificates 60 months	Dividend Rate 2.23%	APY* 2.25%	Minimum Balance $1,000

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Credit Cards

Credit Cards
Card Type	APR Range^*1
¹Variable Rate Information: Your rate may increase or decrease if the Prime Rate as published in the Wall Street Journal 5 days before the end of the previous month increases or decreases. Your rate can change monthly on the first day of each billing cycle following a change in the Prime Rate. Your rate will be equal to the Prime Rate plus a margin of: 3.70%-14.70% for Select and Select Secured; 5.70%-15.70% for Rewards and Cash Back. Any increase will take the form of more payments of the same amount. Your variable rate will never be more than the maximum rate allowed by applicable law. Rates and fees are subject to change. Please check with your local branch, or call if we can answer any questions. *All loans are subject to credit approval. Your rate and credit limit will be determined based on individual creditworthiness including income, debt ratio, and employment. Verification of income may be required. Must be 18 years of age to qualify for a loan. Must be a Sound Credit Union member to participate. Anyone who lives or works in WA can join. Membership at Sound requires a savings account.
Card Type Rewards	APR Range^*1 13.20% - 23.20%
Card Type Cash Back	APR Range^*1 13.20% - 23.20%
Card Type Select	APR Range^*1 11.20% - 22.20%
Card Type Select Secured	APR Range^*1 11.20% - 22.20%

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Auto Loans

New Auto Loans (2023 or newer)
Term	APR* Range
Vehicle must be model year 2023 or newer.
Term 0 - 36 months	APR* Range 4.89% - 18.00%
Term 37 - 48 months	APR* Range 5.29% - 18.00%
Term 49 - 60 months	APR* Range 5.59% - 18.00%
Term 61 - 72 months	APR* Range 5.89% - 18.00%
Term 73 - 84 months	APR* Range 6.19% - 18.00%

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Used Auto Loans (2015 - 2022)
Term	APR Range*
Vehicles must be model year 2015-2022; add 2% for prior model years.
Term 0 - 36 months	APR Range* 4.89% - 18.00%
Term 37 - 48 months	APR Range* 5.29% - 18.00%
Term 49 - 60 months	APR Range* 5.59% - 18.00%
Term 61 - 72 months	APR Range* 5.89% - 18.00%
Term 73 - 84 months	APR Range* 6.19% - 18.00%

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Green Autos
Term	APR Range*
Vehicle must be model year 2023 or newer.
Term 0 - 36 months	APR Range* 4.89% - 18.00%
Term 37 -48 months	APR Range* 5.29% - 18.00%
Term 49 - 60 months	APR Range* 5.59% - 18.00%
Term 61 - 72 months	APR Range* 5.89% - 18.00%
Term 73 - 84 months	APR Range* 6.19% - 18.00%

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RVs, Boats, Water & Snow Craft
Term	APR Range*
Vehicle must be model year 2015 or newer. Add 2% for prior model years. Rates and fees are subject to change. Please check with your local branch, or call if we can answer any questions.
Term 0 - 84 months	APR Range* 6.39% - 17.54%
Term 85 - 144 months	APR Range* 6.74% - 17.90%
Term 145 - 180 months	APR Range* 7.74% - 10.29%

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Motorcycles & Off-Road Vehicles
Term	APR Range*
Vehicles must be model year 2015 or newer; add 2% for prior model years.
Term 0 - 60 months	APR Range* 6.14% - 17.29%
Term 61 - 72 months	APR Range* 6.99% - 17.90%
Term 73 - 84 months	APR Range* 7.24% - 17.90%

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Home Loans

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Fixed Home Equity Loans
Home Equity Loans²	Term	APR Range*
²Home Equity Loans and Home Equity Lines of Credit: Financing available on homes in WA, OR or ID. A $525 early closure fee is applied if the loan is closed within the first 24 months. Maximum loan amount is determined by the amount of equity in your home. Home equity line of credit has a variable rate based on Prime, as published in the Wall Street Journal, and subject to change during the term of the loan. The minimum APR is 3.99% and the maximum APR is 18%. Most home equity loans qualify for deductible interest. Consult your tax advisor for details. Homeowners insurance is required. For 81% to 90% of appraised value, borrow up to $50,000 maximum for Home Equity loans and Home Equity Lines of Credit. Non-owner occupied Fixed Home Equity Loans: maximum LTV 70% with a maximum loan amount of $150,000. Non-owner occupied HELOC rates: Prime +2% to Prime +4% APR; maximum LTV 70% with a maximum loan amount of $150,000. 120 payments of $12.07 per $1000 borrowed at 7.89% APR. Actual APR based on credit worthiness. Rate is based on 80% LTV or less. Some fees may apply. Payment examples do not include taxes and insurance. The actual payment obligation may be greater. Taxes and insurance will be paid by homeowner. Rates and fees are subject to change. Please check with your local branch, or call 800.562.8130 with questions.
Home Equity Loans² Up to 70% LTV	Term 5, 10 or 15 Years	APR Range* 5.74% - 9.37%
Home Equity Loans² Up to 80% LTV	Term 5, 10 or 15 Years	APR Range* 6.74% - 9.14%
Home Equity Loans² Up to 90% LTV	Term 5 or 10 Years	APR Range* 8.49% - 9.14%

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Express Home Equity Mortgages
	Term	APR Range*
¹Express Home Equity Mortgage Loan: No fees, no closing costs except appraisal if needed. Homeowners insurance is required. A $525 early closure fee is applied if the loan is closed within the first 24 months. Borrow up to 75% of appraised value. Sound Credit Union will be in first lien position. Maximum loan amount of $249,999. Taxes and insurance will be paid by the homeowner. Financing available on homes in WA, OR or ID. 120 payments of $11.50 per $1000 borrowed at 6.79% APR. Rate is based on 75% LTV or less. Rates and fees are subject to change. Please check with your local branch, or call if we can answer any questions.
Express Home Equity Mortgage¹	Term 5,7,10,12 or 15 years	APR Range* 5.79% - 7.04%

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Green Fixed Home Equity Loans
Home Equity Loans³	Term	APR Range*
³Home Equity Loans and Home Equity Lines of Credit: Financing available on homes in WA, OR or ID. A $525 early closure fee is applied if the loan is closed within the first 24 months. Maximum loan amount is determined by the amount of equity in your home. Home equity line of credit has a variable rate based on Prime, as published in the Wall Street Journal, and subject to change during the term of the loan. The minimum APR is 3.99% and the maximum APR is 18%. Most home equity loans qualify for deductible interest. Consult your tax advisor for details. Homeowners insurance is required. At least 51% of net proceeds from loan must be used for acceptable energy efficient improvements. For 81% to 90% of appraised value, borrow up to $50,000 maximum for Home Equity loans and Home Equity Lines of Credit. Non-owner occupied Fixed Home Equity Loans: maximum LTV 70% with a maximum loan amount of $150,000. Non-owner occupied HELOC rates: Prime +2% to Prime +4% APR; maximum LTV 70% with a maximum loan amount of $150,000. 120 payments of $11.94 per $1000 borrowed at 7.64% APR. Rate is based on 80% LTV or less. Actual APR based on credit worthiness. Some fees may apply. Payment examples do not include taxes and insurance. The actual payment obligation may be greater. Taxes and insurance will be paid by homeowner. Rates and fees are subject to change. Please check with your local branch or call 800.562.8130 with questions.
Home Equity Loans³ Up to 70% LTV	Term 5, 10, or 15 Years	APR Range* 5.49% - 9.12%
Home Equity Loans³ Up to 80% LTV	Term 5, 10, or 15 Years	APR Range* 6.49% - 9.14%
Home Equity Loans³ Up to 90% LTV	Term 5 or 10 Years	APR Range* 8.24% - 8.89%

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Fixed Home Equity Loans (Non-owner Occupied)
Home Equity Loans⁴	Term	APR Range
⁴Home Equity Loans and Home Equity Lines of Credit: Financing available on homes in WA, OR or ID. A $525 early closure fee is applied if the loan is closed within the first 24 months. Maximum loan amount is determined by the amount of equity in your home. Home equity line of credit has a variable rate based on Prime, as published in the Wall Street Journal, and subject to change during the term of the loan.The minimum APR is 3.99% and the maximum APR is 18%. Most home equity loans qualify for deductible interest. Consult your tax advisor for details. Homeowners insurance is required. For 81% to 90% of appraised value, borrow up to $50,000 maximum for Home Equity loans and Home Equity Lines of Credit. Non-owner occupied Fixed Home Equity Loans: maximum LTV 70% with a maximum loan amount of $150,000. Non-owner occupied HELOC rates: Prime +2% to Prime +4% APR; maximum LTV 70% with a maximum loan amount of $150,000. 120 payments of $12.13 per $1000 borrowed at 8% APR. Actual APR based on credit worthiness. Rate is based on 70% LTV or less. Some fees may apply. Payment examples do not include taxes and insurance. The actual payment obligation may be greater. Taxes and insurance will be paid by homeowner. Rates and fees are subject to change. Please check with your local branch, or call 800.562.8130 with questions.
Home Equity Loans⁴ Up to 70% LTV	Term 5, 10 or 15 Years	APR Range 6.49% - 9.04%

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Green Fixed Home Equity Loans (Non-owner Occupied)
Home Equity Loans⁵	Term	APR Range*
⁵Home Equity Loans and Home Equity Lines of Credit: Financing available on homes in WA, OR or ID. A $525 early closure fee is applied if the loan is closed within the first 24 months. Maximum loan amount is determined by the amount of equity in your home. Home equity line of credit has a variable rate based on Prime, as published in the Wall Street Journal, and subject to change during the term of the loan. The minimum APR is 3.99% and the maximum APR is 18%. Most home equity loans qualify for deductible interest. Consult your tax advisor for details. Homeowners insurance is required. At least 51% of net proceeds from loan must be used for acceptable energy efficient improvements. For 81% to 90% of appraised value, borrow up to $50,000 maximum for Home Equity loans and Home Equity Lines of Credit. Non-owner occupied Fixed Home Equity Loans: maximum LTV 70% with a maximum loan amount of $150,000. Non-owner occupied HELOC rates: Prime +2% to Prime +4% APR; maximum LTV 70% with a maximum loan amount of $150,000. 120 payments of $12 per $1000 borrowed at 7.75% APR. Rate is based on 70% LTV or less. Actual APR based on credit worthiness. Some fees may apply. Payment examples do not include taxes and insurance. The actual payment obligation may be greater. Taxes and insurance will be paid by homeowner. Rates and fees are subject to change. Please check with your local branch, or call 800.562.8130 with questions.
Home Equity Loans⁵ Up to 70% LTV	Term 5, 10 or 15 Years	APR Range* 6.24% - 8.79%

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Home Equity Lines of Credit
LTV	APR Range*
⁶Home Equity Loans and Home Equity Lines of Credit: Financing available on homes in WA, OR or ID. A $525 early closure fee is applied if the loan is closed within the first 24 months. Minimum monthly payment is calculated at 0.75% of the total balance owed. Maximum loan amount is determined by the amount of equity in your home. Home equity line of credit has a variable rate based on Prime, as published in the Wall Street Journal, and subject to change during the term of the loan. The minimum APR is 3.99% and the maximum APR is 18%. Most home equity loans qualify for deductible interest. Consult your tax advisor for details. Homeowners insurance is required. For 81% to 90% of appraised value, borrow up to $50,000 maximum for Home Equity loans and Home Equity Lines of Credit. Non-owner occupied Fixed Home Equity Loans: maximum LTV 70% with a maximum loan amount of $150,000. Non-owner occupied HELOC rates: Prime +2% to Prime +4% APR; maximum LTV 70% with a maximum loan amount of $150,000. Rates and fees are subject to change. Please check with your local branch, or call if we can answer any questions.
LTV Up to 70% LTV	APR Range* 7.50% - 10.50%
LTV 70% - 80% LTV	APR Range* 8.50% - 10.50%
LTV 80% - 90% LTV	APR Range* 10.50% - 10.50%

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Personal Loans

Personal Loans
Term	APR Range*
*APR = Annual Percentage Rate. All loans are subject to credit approval. Your rate and credit limit will be determined based on individual creditworthiness including income, debt ratio, and employment. Verification of income may be required. Must be 18 years of age to qualify for a loan. Must be a Sound Credit Union member to participate. Anyone who lives or works in WA can join. Membership at Sound requires a savings account.
Term 0-12 months	APR Range* 8.50% - 15.90%
Term 13-24 months	APR Range* 8.90% - 16.40%
Term 25-36 monthts	APR Range* 9.40% - 16.90%
Term 37-48 months	APR Range* 10.00% - 17.40%
Term 49-60 months	APR Range* 10.50% - 17.90%
Term 61-72 months	APR Range* 11.40% - 18.00%

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Personal Line of Credit
Loan Type	APR Range
Rates and fees are subject to change. Please check with your local branch, or call if we can answer any questions. *APR = Annual Percentage Rate. All loans are subject to credit approval. Your rate and credit limit will be determined based on individual creditworthiness including income, debt ratio, and employment. Verification of income may be required. Must be 18 years of age to qualify for a loan. Must be a Sound Credit Union member to participate. Anyone who lives or works in WA can join. Membership at Sound requires a savings account.
Loan Type Personal Line of Credit	APR Range 10.45%-17.95%

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Green Personal Loan
Term	APR Range*
*APR = Annual Percentage Rate. All loans are subject to credit approval. Your rate and credit limit will be determined based on individual creditworthiness including income, debt ratio, and employment. Verification of income may be required. Must be 18 years of age to qualify for a loan. Must be a Sound Credit Union member to participate. Anyone who lives or works in WA can join. Membership at Sound requires a savings account.
Term 0-12 months	APR Range* 8.25% - 15.65%
Term 13-24 months	APR Range* 8.65% - 16.15%
Term 25-36 months	APR Range* 9.15% - 16.65%
Term 37-48 months	APR Range* 9.75% - 17.15%
Term 49-60 months	APR Range* 10.25% - 17.65%
Term 61-72 months	APR Range* 11.15% - 17.75%

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Share Secured Personal Loan
Term	APR Range*
*APR = Annual Percentage Rate. All loans are subject to credit approval. Your rate and credit limit will be determined based on individual creditworthiness including income, debt ratio, and employment. Verification of income may be required. Must be 18 years of age to qualify for a loan. Must be a Sound Credit Union member to participate. Anyone who lives or works in WA can join. Membership at Sound requires a savings account.
Term 0-60 months	APR Range* Share rate +3.00%

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Certificate Secured
Term	APR Range*
*APR = Annual Percentage Rate. All loans are subject to credit approval. Your rate and credit limit will be determined based on individual creditworthiness including income, debt ratio, and employment. Verification of income may be required. Must be 18 years of age to qualify for a loan. Must be a Sound Credit Union member to participate. Anyone who lives or works in WA can join. Membership at Sound requires a savings account.
Term Certificate maturity date	APR Range* Certificate rate +3.00%

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Account Fees

Checking Account Fees
Program	Fee Amount
Rates and fees are subject to change. Please check with your local branch, or call if we can answer any questions.
Program Interest Checking (avoid fee if age 55 or with $500 monthly direct deposit & estatements)	Fee Amount $7 per month
Program Cash Back Checking (avoid fee if age 55 or with $500 monthly direct deposit & estatements)	Fee Amount $7 per month
Program Sound Debit Account (avoid fee with $500 direct deposit & estatements)	Fee Amount $3 per month
Program Check Copies (2 copies free per statement)	Fee Amount $2 per copy, plus $20 per hour retrieval
Program Check Printing	Fee Amount Price varies depending on style
Program Courtesy Pay (1 NSF or Courtesy Pay refund per calendar year upon request)	Fee Amount $29 per presentment > $5; max 5 fees per day
Program Non-Member Check Cashing (above $100)	Fee Amount $5 per presentment
Program NSF (1 NSF or Courtesy Pay refund per calendar year upon request)	Fee Amount $29 per presentment (no max)
Program On-Us Non-Member Check Replacement	Fee Amount $5 per item
Program Overdraft Transfer	Fee Amount $5 each day a transfer occurs
Program Stop Payment	Fee Amount $32 per request

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ATM and Card Fees
Program	Fee Amount
Rates and fees are subject to change. Please check with your local branch, or call if we can answer any questions.
Program Card Replacement	Fee Amount $5 per replacement ($25 per rush order)
Program Non-Network Card Withdrawal at Sound ATM	Fee Amount $3.50 per transaction

Loan Fees
Program	Fee Amount
Rates and fees are subject to change. Please check with your local branch, or call if we can answer any questions.
Program Consumer Loan Late Payment	Fee Amount 5% of payment, minimum $29, 10-day grace period
Program Visa Credit Card Late Payment	Fee Amount $25
Program Visa Credit Card Cash Advance (up to 25% of limit)	Fee Amount 4% of advanced amount ($10 minimum)
Program Title Transfer	Fee Amount $42
Program State to State Title Transfers	Fee Amount $35.50 and up
Program Title Release	Fee Amount $35.50
Program Title Perfection Refinance	Fee Amount $35.50
Program Private Party Float Quote	Fee Amount $75
Program Expedited Pay by Phone Loan Payments	Fee Amount $9.95 per payment
Program Card Replacement	Fee Amount $5 per replacement ($25 per rush order)
Program Auto Insurance Fee for Lapsed Policies	Fee Amount $20
Program Skip-A-Pay (program available for eligible consumer loans)	Fee Amount $32 each
Program Fixed Home Equity Loan Late Payment	Fee Amount 5% of payment, minimum $29, 10-day grace period
Program Home Equity Line of Credit Late Payment	Fee Amount 5% of payment, minimum $29
Program Home Equity Early Pay-off	Fee Amount $525 (if paid off and closed within 24 months)
Program Home Equity Reconveyance	Fee Amount $370.50
Program Home Equity Recording	Fee Amount $319.55
Program Subordination	Fee Amount $245
Program Uniform Commercial Code Search and Filing	Fee Amount At Cost

Other Service Fees
Program	Fee Amount
Rates and fees are subject to change. Please check with your local branch, or call if we can answer any questions.
Program Account Reconciliation/Research	Fee Amount $20 per hour
Program Cashier's Check (third party) 3 free per month for Sound Debit Accounts	Fee Amount $3 each
Program Coin Processing (loose/rolled)	Fee Amount 8% of transaction over $200, per day
Program Deposit Return Fee (returned check of depositor)	Fee Amount $15 per presentment
Program Third Party Pass-Thru Fee on Return Deposits	Fee Amount At cost
Program Document Retrieval (includes check copies)	Fee Amount $2 per page, plus $20 per hour
Program Early Account Closure (within 90 days of opening)	Fee Amount $10
Program Foreign Check Processing (minimum check amount $100)	Fee Amount $20 per presentment or at cost if greater
Program High-Yield Money Market Check (over limit of 3 per month)	Fee Amount $10 per check
Program Inactive Account (after 1 year)	Fee Amount $10 per month
Program Legal Action (garnishments/levies)	Fee Amount $50
Program Membership Reopen	Fee Amount $10 per reopening
Program Money Order 3 free per month for Sound Debit Accounts	Fee Amount $2 each
Program NSF (1 NSF or Courtesy Pay refund per calendar year upon request)	Fee Amount $29 per presentment
Program Notary (non-member)	Fee Amount $10 per act
Program Online Banking & Bill Pay	Fee Amount Free
Program Overnight/Express Shipping	Fee Amount $25
Program Photocopy	Fee Amount $0.50 per page
Program Returned Item (reason other than NSF)	Fee Amount $32 per presentment
Program Statement Copy	Fee Amount $2 per statement
Program Stop Payment (Check, ACH, Card, Money Order and Cashier's Check) a stop payment can be placed on money orders and cashier's checks only if lost or stolen	Fee Amount $32 per presentment
Program Visa Gift Card Purchase	Fee Amount $3.95 per card at branches, $5.95 per card online
Program Wire Transfer - Domestic (outgoing)	Fee Amount $25 per transfer
Program Wire Transfer - International (outgoing)	Fee Amount $50 per transfer
Program Wrong Address	Fee Amount $10 per quarter

Safe Deposit Box Annual Rental Fees
Program	Fee Amount
Rates and fees are subject to change. Contents of box are not insured. Please check with your local branch, or call if we can answer any questions.
Program 3 X 5 X 21	Fee Amount $30
Program 5 X 5 X 21	Fee Amount $40
Program 3 X 10 X 21	Fee Amount $50
Program 5 X 10 X 21	Fee Amount $60
Program 10 X 10 X 21	Fee Amount $100
Program Box Drilling	Fee Amount $250
Program Replacement Key	Fee Amount $20

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Membership Requirement
Program	Requirement
Rates and fees are subject to change. Please check with your local branch, or call if we can answer any questions.
Program Membership Share/Savings	Requirement Keep a Share Savings (e.g. Prime, Minor) account open and in good standing. No minimum balance required.

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Disclosures

APY = Annual Percentage Yield. Offers valid for existing or new Sound members. Membership with a savings account at Sound Credit Union is required. Anyone who lives or works in WA can join. Rates and terms advertised are subject to change without notice. Early withdrawal penalties apply and may reduce earnings.

APR is Annual Percentage Rate. All loans are subject to credit approval. Your rate and credit limit will be determined based on individual creditworthiness including income, debt ratio, and employment. Verification of income may be required. Must be 18 years of age to qualify for a loan. Sound does not do construction or land loans at this time. Must be a Sound Credit Union member to participate. Anyone who lives or works in WA can join. Membership at Sound requires a savings account.

Checking, Savings and Certificate products are federally insured by NCUA.

Lowest auto loan rates reflect a 0.25% discount for automatic payments from a qualifying Sound checking account and also assumes a loan-to-value discount.

NMLS# 691150 · Equal Housing Opportunity

This Rate and Fee Schedule sets forth current conditions, rates, fees and charges applicable to your accounts at Sound Credit Union at this time. The Credit Union may offer other dividend rates, annual percentage yields and fees or amend the dividend rates, annual percentage yields and fees contained in this schedule from time to time. Fees may reduce earnings. Each account holder agrees to the terms set forth on this Rate and Fee Schedule and acknowledges that it is a part of the Membership and Account Agreement.

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Checking & Savings

Certificates

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Auto Loans

Home Loans

Personal Loans

Account Fees

Disclosures

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