Bank · FDIC insured
Sound Community Bank CD Rates
Sound Community Bank’s best CD rate is 4.15% APY on a 23-month CD, with extra requirements. Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How Sound Community Bank’s CD rates compare
Compared with banks and credit unions near Seattle, WA, where Sound Community Bank has the most branches. $10,000, best rate first.
This bank’s best
Sound Community Bank
3.90%APY
- Term
- 23 months
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000
- $761
Certificates of Deposit
Top rate
Ironworkers USA Credit Union
4.75%APY
- Term
- 24 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $973
2nd-highest rate
HSBC USA
4.60%APY
- Term
- 24 months
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000
- $941
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Jumbo Certificates of Deposit
Up to 4.15%APY · 12 terms
Early withdrawals subject to penalty. Interest compounded monthly. Minimum opening deposit $100,000. Clients with a checking account receive the 'with Checking' rate; clients without a checking account receive the 'without Checking' rate. 18 Month Bump CD includes option to bump interest rate once during initial term to current 18-month Bump Rate.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsWith checking account | 2.75% | $68 |
| 3 monthsWithout checking account | 2.25% | $56 |
| 4 monthsWith checking account | 3.60% | $119 |
| 4 monthsWithout checking account | 3.10% | $102 |
| 6 monthsWith checking account | 3.05% | $151 |
| 6 monthsWithout checking account | 2.55% | $127 |
| 7 monthsWith checking account | 3.75% | $217 |
| 7 monthsWithout checking account | 3.25% | $188 |
| 12 monthsWith checking account | 3.10% | $310 |
| 12 monthsWithout checking account | 2.60% | $260 |
| 13 monthsWith checking account | 4.00% | $434 |
| 13 monthsWithout checking account | 3.50% | $380 |
| 18 monthsWith checking account. Client has the option to bump the interest rate once during initial term to current 18-month Bump Rate | 3.70% | $560 |
| 18 monthsWithout checking account. Client has the option to bump the interest rate once during initial term to current 18-month Bump Rate | 3.20% | $484 |
| 23 monthsWith checking account | 4.15% | $811 |
| 23 monthsWithout checking account | 3.65% | $711 |
| 24 monthsWith checking account | 2.85% | $578 |
| 24 monthsWithout checking account | 2.36% | $478 |
| 36 monthsWith checking account | 2.45% | $753 |
| 36 monthsWithout checking account | 1.95% | $596 |
| 48 monthsWith checking account | 2.55% | $1,060 |
| 48 monthsWithout checking account | 2.05% | $846 |
| 60 monthsWith checking account | 2.70% | $1,425 |
| 60 monthsWithout checking account | 2.20% | $1,149 |
Sources (2)
All captured Oct 22, 2026
Special-purpose accounts
Certificates of Deposit
Up to 3.90%APY · 12 terms
Early withdrawals subject to penalty. Interest compounded monthly. Minimum opening deposit $1,000 ($500 for minors). Clients with a checking account receive the 'with Checking' rate; clients without a checking account receive the 'without Checking' rate. 18 Month Bump CD includes option to bump interest rate once during initial term to current 18-month Bump Rate.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsWith checking account | 2.50% | $62 |
| 3 monthsWithout checking account | 2.00% | $50 |
| 4 monthsWith checking account | 3.35% | $110 |
| 4 monthsWithout checking account | 2.85% | $94 |
| 6 monthsWith checking account | 2.80% | $139 |
| 6 monthsWithout checking account | 2.30% | $114 |
| 7 monthsWith checking account | 3.50% | $203 |
| 7 monthsWithout checking account | 3.00% | $174 |
| 12 monthsWith checking account | 2.85% | $285 |
| 12 monthsWithout checking account | 2.35% | $235 |
| 13 monthsWith checking account | 3.75% | $407 |
| 13 monthsWithout checking account | 3.25% | $353 |
| 18 monthsWith checking account. Client has the option to bump the interest rate once during initial term to current 18-month Bump Rate | 3.45% | $522 |
| 18 monthsWithout checking account. Client has the option to bump the interest rate once during initial term to current 18-month Bump Rate | 2.95% | $446 |
| 23 monthsWith checking account | 3.90% | $761 |
| 23 monthsWithout checking account | 3.40% | $662 |
| 24 monthsWith checking account | 2.60% | $527 |
| 24 monthsWithout checking account | 2.10% | $424 |
| 36 monthsWith checking account | 2.20% | $675 |
| 36 monthsWithout checking account | 1.70% | $519 |
| 48 monthsWith checking account | 2.30% | $952 |
| 48 monthsWithout checking account | 1.80% | $740 |
| 60 monthsWith checking account | 2.45% | $1,287 |
| 60 monthsWithout checking account | 1.95% | $1,014 |
Sources (3)
- soundcb.com/personal/personal-…ates-of-deposit-cds.html
- soundcb.com/_/kcms-doc/613/292…eposit-Rates-for-Web.pdf
- soundcb.com/rates.html
All captured Oct 22, 2026
Individual Retirement Account Certificates of Deposit
Up to 3.90%APY · 12 terms
Available as Traditional or Roth IRA. Minimum opening deposit $500. Additional $25 minimum deposits accepted to IRA certificates up to current IRS annual contribution limit. $20 annual service fee waived with checking account. Early withdrawals subject to penalty. Interest compounded monthly. Clients with a checking account receive the 'with Checking' rate; clients without a checking account receive the 'without Checking' rate. 18 Month Bump CD includes option to bump interest rate once during initial term to current 18-month Bump Rate.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsWith checking account (waives $20 annual service fee). Additional $25 minimum deposits accepted up to IRS limit | 2.50% | $62 |
| 3 monthsWithout checking account. $20 annual service fee waived with checking account. Additional $25 minimum deposits accepted up to IRS limit | 2.00% | $50 |
| 4 monthsWith checking account (waives $20 annual service fee). Additional $25 minimum deposits accepted up to IRS limit | 3.35% | $110 |
| 4 monthsWithout checking account. $20 annual service fee waived with checking account. Additional $25 minimum deposits accepted up to IRS limit | 2.85% | $94 |
| 6 monthsWith checking account (waives $20 annual service fee). Additional $25 minimum deposits accepted up to IRS limit | 2.80% | $139 |
| 6 monthsWithout checking account. $20 annual service fee waived with checking account. Additional $25 minimum deposits accepted up to IRS limit | 2.30% | $114 |
| 7 monthsWith checking account (waives $20 annual service fee). Additional $25 minimum deposits accepted up to IRS limit | 3.50% | $203 |
| 7 monthsWithout checking account. $20 annual service fee waived with checking account. Additional $25 minimum deposits accepted up to IRS limit | 3.00% | $174 |
| 12 monthsWith checking account (waives $20 annual service fee). Additional $25 minimum deposits accepted up to IRS limit | 2.85% | $285 |
| 12 monthsWithout checking account. $20 annual service fee waived with checking account. Additional $25 minimum deposits accepted up to IRS limit | 2.35% | $235 |
| 13 monthsWith checking account (waives $20 annual service fee). Additional $25 minimum deposits accepted up to IRS limit | 3.75% | $407 |
| 13 monthsWithout checking account. $20 annual service fee waived with checking account. Additional $25 minimum deposits accepted up to IRS limit | 3.25% | $353 |
| 18 monthsWith checking account (waives $20 annual service fee). Additional $25 minimum deposits accepted up to IRS limit. Client has option to bump interest rate once during initial term to current 18-month Bump Rate | 3.45% | $522 |
| 18 monthsWithout checking account. $20 annual service fee waived with checking account. Additional $25 minimum deposits accepted up to IRS limit. Client has option to bump interest rate once during initial term to current 18-month Bump Rate | 2.95% | $446 |
| 23 monthsWith checking account (waives $20 annual service fee). Additional $25 minimum deposits accepted up to IRS limit | 3.90% | $761 |
| 23 monthsWithout checking account. $20 annual service fee waived with checking account. Additional $25 minimum deposits accepted up to IRS limit | 3.40% | $662 |
| 24 monthsWith checking account (waives $20 annual service fee). Additional $25 minimum deposits accepted up to IRS limit | 2.60% | $527 |
| 24 monthsWithout checking account. $20 annual service fee waived with checking account. Additional $25 minimum deposits accepted up to IRS limit | 2.10% | $424 |
| 36 monthsWith checking account (waives $20 annual service fee). Additional $25 minimum deposits accepted up to IRS limit | 2.20% | $675 |
| 36 monthsWithout checking account. $20 annual service fee waived with checking account. Additional $25 minimum deposits accepted up to IRS limit | 1.70% | $519 |
| 48 monthsWith checking account (waives $20 annual service fee). Additional $25 minimum deposits accepted up to IRS limit | 2.30% | $952 |
| 48 monthsWithout checking account. $20 annual service fee waived with checking account. Additional $25 minimum deposits accepted up to IRS limit | 1.80% | $740 |
| 60 monthsWith checking account (waives $20 annual service fee). Additional $25 minimum deposits accepted up to IRS limit | 2.45% | $1,287 |
| 60 monthsWithout checking account. $20 annual service fee waived with checking account. Additional $25 minimum deposits accepted up to IRS limit | 1.95% | $1,014 |
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.