Personal Accounts

Certificates at Sound

Lock in a high rate and guaranteed return.

Certificates of Deposit (CD) unlock special savings advantages.

Interest is compounded monthly and accounts can be easily rolled over once they reach maturity.

Fixed Term

Choose a predetermined term between 3 and 10 months, providing a sense of stability and predictability to your investment.

Flexibility

One of the key advantages is the option to make additional deposits during the term of the certificate. This flexibility allows you to increase your savings and maximize your returns.

Security

Certificates are considered low-risk investments. Providing peace of mind and protecting your funds.

Compare Certificate Accounts

Best if you want

Best if you want
Unlimited Deposits

Unlimited Deposits
Terms

Terms

Basic Certificate

Best if you want

Minimum deposit of $500
Unlimited Deposits
Terms

Terms range from 3 to 60 months

Bump Certificate¹

Best if you want

Get a one-time bump to a higher rate
Unlimited Deposits
Terms

Choose from 36 or 60 month terms

Flex Certificate²

Best if you want

Make a one-time withdrawal during your term
Unlimited Deposits
Terms

Option to make a one-time bump to a higher rate

Jumbo Certificate

Best if you want

Earn even higher dividends on balances of $100,000 or more
Unlimited Deposits
Terms

Terms range from 6 to 60 months

Open a Certificate Account

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

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

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

Certificate of Deposit Types

Interest is compounded monthly and accounts can be easily rolled over once they reach maturity.

Basic Certificate

Minimum deposit of $500
Terms range from 3 to 60 months
Add to your balance with unlimited deposits

Bump Certificate¹

Minimum deposit of $2,500
Get a one-time bump to a higher rate
Choose from 36 or 60 month terms
Add to your balance with unlimited deposits

Flex Certificate²

Minimum deposit of $2,500
Get a one-time bump to a higher rate
Make a one-time withdrawal during your term
Add to your balance with unlimited deposits

Jumbo Certificate

Earn even higher dividends on balances of $100,000 or more
Terms range from 6 to 60 months
Add to your balance with unlimited deposits

Open a Certificate today.

Open a Certificate

GET STARTED

Stop by a local branch

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Call Us

800.562.8130

Disclosures

Requires Sound membership. Early withdrawal penalties apply and may reduce earnings.
¹Bump 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.
² 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.

FEDERALLY INSURED BY NCUA

Routing Number