Credit union · NCUA insured
Sound Credit Union Auto Loan Rates
Sound Credit Union auto loans start at 5.84% APR for a new vehicle and 5.84% for a used one. Rates checked October 22, 2026.
How Sound Credit Union’s auto loan rates compare
Compared with banks and credit unions near Seattle, WA, where Sound Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Sound Credit Union
5.84%APR
- Terms
- 49–60 months
- Up to
- 18.00% APR
New Auto Loans (2024 or newer)
Lowest rate
Ironworkers USA Credit Union
4.24%APR
- Terms
- 36–84 months
- Up to
- 18.00% APR
2nd-lowest rate
Navy Federal Credit Union
4.29%APR
- Terms
- 37–60 months
- Up to
- —
Sound Credit Union auto loan score
68
Auto loan score
Higher than 21% of U.S. banks and credit unions
- New vehicleNew5.84%
- Used vehicleUsed5.84%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Sound Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Equity Auto Loans
Sound can finance up to 145% of the value of your vehicle, if credit qualifies. Model year must be within the last 10 years to qualify for listed rates; older vehicles may qualify at a different rate and term. Qualifying hybrid vehicles eligible for a 0.25% APR discount. 0.25% APR discount available with auto pay from a qualifying Sound checking account. Must be 18 years of age.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.14%–18.00% | Model year must be within the last 10 years. |
| 37–48 months | 5.54%–18.00% | Model year must be within the last 10 years. |
| 49–60 months | 5.84%–18.00% | Model year must be within the last 10 years. |
| 61–72 months | 6.14%–18.00% | Model year must be within the last 10 years. |
| 73–84 months | 6.44%–18.00% | Model year must be within the last 10 years. |
Sources (2)
All captured Oct 7, 2026
Green Autos
Vehicle must be model year 2024 or newer. Qualifying electric or hybrid vehicle. Membership with Sound Credit Union is required. Must be 18 years of age. Rate depends on creditworthiness. Lowest rates reflect a 0.25% discount for automatic payments from a qualifying Sound checking account and assumes a loan-to-value discount.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.89%–15.84% | Vehicle must be model year 2024 or newer. |
| 37–48 months | 5.29%–16.34% | Vehicle must be model year 2024 or newer. |
| 49–60 months | 5.59%–16.64% | Vehicle must be model year 2024 or newer. |
| 61–72 months | 5.89%–16.84% | Vehicle must be model year 2024 or newer. |
| 73–84 months | 6.19%–16.90% | Vehicle must be model year 2024 or newer. |
Sources (2)
All captured Oct 7, 2026
Motorcycles & Off-Road Vehicles
Vehicles must be model year 2016 or newer; add 2% for prior model years. 0.25% discount available when enrolling in autopay with a Sound checking account. Membership required.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.89%–17.04% | Vehicles must be model year 2016 or newer; add 2% for prior model years. |
| 61–72 months | 6.74%–17.65% | Vehicles must be model year 2016 or newer; add 2% for prior model years. |
| 73–84 months | 6.99%–17.65% | Vehicles must be model year 2016 or newer; add 2% for prior model years. |
Sources (2)
All captured Oct 7, 2026
New Auto Loans (2024 or newer)
Vehicle must be model year 2024 or newer. Membership with Sound Credit Union is required (open to anyone who lives or works in WA with a Share Savings account). Must be 18 years of age. Rate depends on creditworthiness. Lowest rates reflect a 0.25% discount for automatic payments from a qualifying Sound checking account and assumes a loan-to-value discount.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.14%–18.00% | Vehicle must be model year 2024 or newer. |
| 37–48 months | 5.54%–18.00% | Vehicle must be model year 2024 or newer. |
| 49–60 months | 5.84%–18.00% | Vehicle must be model year 2024 or newer. |
| 61–72 months | 6.14%–18.00% | Vehicle must be model year 2024 or newer. |
| 73–84 months | 6.44%–18.00% | Vehicle must be model year 2024 or newer. |
Sources (2)
All captured Oct 7, 2026
Refinance Auto Loan
Refinance an existing auto loan from another lender. Not valid to refinance an existing Sound Credit Union loan. 0.25% APR discount available with auto pay from a qualifying Sound checking account. 2% cash back offer valid through December 31, 2026 (forfeited and added back to payoff amount if closed within 24 months). Membership required prior to funding.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.14%–18.00% | New auto refinance (2024 or newer). |
| 37–48 months | 5.54%–18.00% | New auto refinance (2024 or newer). |
| 49–60 months | 5.84%–18.00% | New auto refinance (2024 or newer). |
| 61–72 months | 6.14%–18.00% | New auto refinance (2024 or newer). |
| 73–84 months | 6.44%–18.00% | New auto refinance (2024 or newer). |
Sources (2)
All captured Oct 7, 2026
Used Auto Loans (2016 – 2023)
Vehicles must be model year 2016-2023; add 2% for prior model years. Membership with Sound Credit Union is required. Must be 18 years of age. Rate depends on creditworthiness. Lowest rates reflect a 0.25% discount for automatic payments from a qualifying Sound checking account and assumes a loan-to-value discount.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.14%–18.00% | Vehicles must be model year 2016-2023; add 2% for prior model years. |
| 37–48 months | 5.54%–18.00% | Vehicles must be model year 2016-2023; add 2% for prior model years. |
| 49–60 months | 5.84%–18.00% | Vehicles must be model year 2016-2023; add 2% for prior model years. |
| 61–72 months | 6.14%–18.00% | Vehicles must be model year 2016-2023; add 2% for prior model years. |
| 73–84 months | 6.44%–18.00% | Vehicles must be model year 2016-2023; add 2% for prior model years. |
Sources (2)
All captured Oct 7, 2026
Who can join Sound Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.