Bank · FDIC insured
Sound Community Bank Savings Rates
Sound Community Bank’s best savings rate is 0.10% APY on $10,000, with its eMoney Maker. Rates checked October 22, 2026.
How Sound Community Bank’s savings 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
0.10%APY
- Requires
- None
- Minimum
- $100
- Earns on $10,000 a year
- $10
eMoney Maker
Top rate
Peak Credit Union
5.00%APY
- Requires
- Another account
- Minimum
- —
- Earns on $10,000 a year
- $500
2nd-highest rate
Nuvision Credit Union
4.50%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $450
Sound Community Bank savings score
66
Savings score
Higher than 18% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.10%
- $100,000 balance$100,0002.60%
- QualifiedQualified0.10%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Sound Community Bank ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Momentum Money Market
0.00%APY
Minimum opening deposit of $100.00. A minimum balance fee of $15 applies every statement cycle if the balance in the account falls below $5,000 any day of the cycle. Rates locked/guaranteed through December 1, 2026. $5 per month for paper statements.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $24,999Rates guaranteed through December 1, 2026. Monthly fee of $15 applies if balance falls below $5,000 any day of the cycle. $5 monthly fee for paper statements. | 0.00% | $0 | Rates guaranteed through December 1, 2026. Monthly fee of $15 applies if balance falls below $5,000 any day of the cycle. $5 monthly fee for paper statements. |
| $25,000 – $49,999Rates guaranteed through December 1, 2026. Monthly fee of $15 waived if balance stays at or above $5,000 every day of the cycle. $5 monthly fee for paper statements. | 0.60% | — | Rates guaranteed through December 1, 2026. Monthly fee of $15 waived if balance stays at or above $5,000 every day of the cycle. $5 monthly fee for paper statements. |
| $50,000 – $99,999Rates guaranteed through December 1, 2026. Monthly fee of $15 waived if balance stays at or above $5,000 every day of the cycle. $5 monthly fee for paper statements. | 1.10% | — | Rates guaranteed through December 1, 2026. Monthly fee of $15 waived if balance stays at or above $5,000 every day of the cycle. $5 monthly fee for paper statements. |
| $100,000 – $249,999Rates guaranteed through December 1, 2026. Monthly fee of $15 waived if balance stays at or above $5,000 every day of the cycle. $5 monthly fee for paper statements. | 2.55% | — | Rates guaranteed through December 1, 2026. Monthly fee of $15 waived if balance stays at or above $5,000 every day of the cycle. $5 monthly fee for paper statements. |
| $250,000 and upRates guaranteed through December 1, 2026. Monthly fee of $15 waived if balance stays at or above $5,000 every day of the cycle. $5 monthly fee for paper statements. | 3.15% | — | Rates guaranteed through December 1, 2026. Monthly fee of $15 waived if balance stays at or above $5,000 every day of the cycle. $5 monthly fee for paper statements. |
Sources (4)
- soundcb.com
- soundcb.com/_/kcms-doc/613/292…eposit-Rates-for-Web.pdf
- soundcb.com/personal/personal-…mentum-money-market.html
- soundcb.com/rates.html
All captured Oct 15, 2026
Apex Money Market
0.10%APY
Minimum opening deposit of $25,000.00. A minimum balance fee of $25 applies every statement cycle if the balance falls below $25,000.00 any day of the cycle. Requires electronic statement delivery (eStatements). Consumer only product.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $24,999Monthly fee of $25 applies if balance falls below $25,000 on any day of the cycle. Requires eStatements. | 0.10% | $10 | Monthly fee of $25 applies if balance falls below $25,000 on any day of the cycle. Requires eStatements. |
| $25,000 – $49,999Monthly fee of $25 waived if balance stays at or above $25,000 every day of the cycle. Requires eStatements. | 0.65% | — | Monthly fee of $25 waived if balance stays at or above $25,000 every day of the cycle. Requires eStatements. |
| $50,000 – $99,999Monthly fee of $25 waived if balance stays at or above $25,000 every day of the cycle. Requires eStatements. | 1.11% | — | Monthly fee of $25 waived if balance stays at or above $25,000 every day of the cycle. Requires eStatements. |
| $100,000 – $249,999Monthly fee of $25 waived if balance stays at or above $25,000 every day of the cycle. Requires eStatements. | 2.60% | — | Monthly fee of $25 waived if balance stays at or above $25,000 every day of the cycle. Requires eStatements. |
| $250,000 – $499,999Monthly fee of $25 waived if balance stays at or above $25,000 every day of the cycle. Requires eStatements. | 2.75% | — | Monthly fee of $25 waived if balance stays at or above $25,000 every day of the cycle. Requires eStatements. |
| $500,000 – $999,999Monthly fee of $25 waived if balance stays at or above $25,000 every day of the cycle. Requires eStatements. | 2.85% | — | Monthly fee of $25 waived if balance stays at or above $25,000 every day of the cycle. Requires eStatements. |
| $1,000,000 and upMonthly fee of $25 waived if balance stays at or above $25,000 every day of the cycle. Requires eStatements. | 3.00% | — | Monthly fee of $25 waived if balance stays at or above $25,000 every day of the cycle. Requires eStatements. |
Sources (3)
- soundcb.com/personal/personal-…s/apex-money-market.html
- soundcb.com/_/kcms-doc/613/292…eposit-Rates-for-Web.pdf
- soundcb.com/rates.html
All captured Oct 15, 2026
eMoney Maker
0.10%APY
Minimum opening deposit of $100.00. A minimum balance fee of $10 applies every statement cycle if the balance in the account falls below $1,000 any day of the cycle. Requires electronic statement delivery (eStatements).
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $24,999Monthly fee of $10 applies if balance falls below $1,000 on any day of the cycle. Requires electronic statement delivery (eStatements). | 0.10% | $10 | Monthly fee of $10 applies if balance falls below $1,000 on any day of the cycle. Requires electronic statement delivery (eStatements). |
| $25,000 – $49,999Monthly fee of $10 waived if balance stays at or above $1,000 every day of the cycle. Requires electronic statement delivery (eStatements). | 0.15% | — | Monthly fee of $10 waived if balance stays at or above $1,000 every day of the cycle. Requires electronic statement delivery (eStatements). |
| $50,000 – $99,999Monthly fee of $10 waived if balance stays at or above $1,000 every day of the cycle. Requires electronic statement delivery (eStatements). | 0.21% | — | Monthly fee of $10 waived if balance stays at or above $1,000 every day of the cycle. Requires electronic statement delivery (eStatements). |
| $100,000 – $249,999Monthly fee of $10 waived if balance stays at or above $1,000 every day of the cycle. Requires electronic statement delivery (eStatements). | 0.26% | — | Monthly fee of $10 waived if balance stays at or above $1,000 every day of the cycle. Requires electronic statement delivery (eStatements). |
| $250,000 – $499,999Monthly fee of $10 waived if balance stays at or above $1,000 every day of the cycle. Requires electronic statement delivery (eStatements). | 0.76% | — | Monthly fee of $10 waived if balance stays at or above $1,000 every day of the cycle. Requires electronic statement delivery (eStatements). |
| $500,000 – $999,999Monthly fee of $10 waived if balance stays at or above $1,000 every day of the cycle. Requires electronic statement delivery (eStatements). | 1.16% | — | Monthly fee of $10 waived if balance stays at or above $1,000 every day of the cycle. Requires electronic statement delivery (eStatements). |
| $1,000,000 and upMonthly fee of $10 waived if balance stays at or above $1,000 every day of the cycle. Requires electronic statement delivery (eStatements). | 1.41% | — | Monthly fee of $10 waived if balance stays at or above $1,000 every day of the cycle. Requires electronic statement delivery (eStatements). |
Sources (2)
All captured Oct 15, 2026
eMoney Maker
0.10%APY
Requires electronic statement delivery (eStatements). Rate may change after account is open. Minimum balance fee of $10 applies every statement cycle if the balance falls below $1,000 on any day of the cycle.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $24,999$10 monthly fee waived if balance stays at or above $1,000 every day of the cycle. Requires eStatements. | 0.10% | $10 | $10 monthly fee waived if balance stays at or above $1,000 every day of the cycle. Requires eStatements. |
| $25,000 – $49,999$10 monthly fee waived if balance stays at or above $1,000 every day of the cycle. Requires eStatements. | 0.15% | — | $10 monthly fee waived if balance stays at or above $1,000 every day of the cycle. Requires eStatements. |
| $50,000 – $99,999$10 monthly fee waived if balance stays at or above $1,000 every day of the cycle. Requires eStatements. | 0.21% | — | $10 monthly fee waived if balance stays at or above $1,000 every day of the cycle. Requires eStatements. |
| $100,000 – $249,999$10 monthly fee waived if balance stays at or above $1,000 every day of the cycle. Requires eStatements. | 0.26% | — | $10 monthly fee waived if balance stays at or above $1,000 every day of the cycle. Requires eStatements. |
| $250,000 – $499,999$10 monthly fee waived if balance stays at or above $1,000 every day of the cycle. Requires eStatements. | 0.76% | — | $10 monthly fee waived if balance stays at or above $1,000 every day of the cycle. Requires eStatements. |
| $500,000 – $999,999$10 monthly fee waived if balance stays at or above $1,000 every day of the cycle. Requires eStatements. | 1.16% | — | $10 monthly fee waived if balance stays at or above $1,000 every day of the cycle. Requires eStatements. |
| $1,000,000 and up$10 monthly fee waived if balance stays at or above $1,000 every day of the cycle. Requires eStatements. | 1.41% | — | $10 monthly fee waived if balance stays at or above $1,000 every day of the cycle. Requires eStatements. |
Regular Savings Account
0.10%APY
Rate may change after account is open. Maintain a minimum balance of $100.00 each day to obtain the disclosed APY and avoid the monthly minimum balance fee.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upWaive $3 monthly fee with $100 minimum balance. Must maintain $100 minimum balance each day to earn APY.$100 and up | 0.10% | $10 | Waive $3 monthly fee with $100 minimum balance. Must maintain $100 minimum balance each day to earn APY. |
Special-purpose accounts
Education and IRA Savings Account
0.10%APY
Available as Traditional or Roth IRA. Rate may change after account is open. $20 annual service fee waived with checking account. $3 monthly minimum balance fee if balance falls below $100.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balance$20 annual service fee is waived with a checking account. Minimum balance fee of $3 applies every statement cycle if balance falls below $100 any day of cycle. Inactive fee of $5 applied after 12 months without activity for balances under $500.Any balance | 0.10% | $10 | $20 annual service fee is waived with a checking account. Minimum balance fee of $3 applies every statement cycle if balance falls below $100 any day of cycle. Inactive fee of $5 applied after 12 months without activity for balances under $500. |
Health Savings Account (HSA)
0.10%APY
Must be covered under a High Deductible Health Plan (HDHP). Must maintain a minimum balance of $1,000.00 each day to obtain the disclosed APY. Rate may change after account is open.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 and up$12 annual service fee. Must maintain a daily minimum balance of $1,000.00 to earn APY.$1,000 and up | 0.10% | $10 | $12 annual service fee. Must maintain a daily minimum balance of $1,000.00 to earn APY. |
Youth Savings Account
0.10%APY
For young savers under 18 years of age. Rate may change after account is open.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo monthly maintenance fee. Inactivity fee of $5 per month applies for balances under $200 after 12 months without activity.Any balance | 0.10% | $10 | No monthly maintenance fee. Inactivity fee of $5 per month applies for balances under $200 after 12 months without activity. |
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.