Credit union · NCUA insured
Sound Credit Union CD Rates
Sound Credit Union’s best CD rate is 4.05% APY on a 13-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How Sound Credit Union’s CD rates compare
Compared with banks and credit unions near Seattle, WA, where Sound Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Sound Credit Union
3.95%APY
- Term
- 11 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $361
Certificate
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
Sound Credit Union CD score
75
CD score
Higher than 39% of U.S. banks and credit unions
- 3–8 months3–8 mo3.40%
- 9–15 months9–15 mo3.95%
- 16–30 months16–30 mo2.99%
- 31–60 months31–60 mo2.65%
- QualifiedQualified3.95%
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 Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Jumbo Certificate
Up to 4.05%APY · 7 terms
Membership with a savings account at Sound Credit Union is required. Anyone who lives or works in WA can join. Unlimited add-on deposits available during the term. Compounded monthly. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.65% | — |
| 12 months | 3.75% | — |
| 13 monthsPromotional certificate. Limited time offer. At maturity, rolls into a new 12-month jumbo certificate. Unlimited add-on deposits not available | 4.05% | — |
| 18 months | 3.25% | — |
| 24 months | 3.01% | — |
| 36 months | 2.91% | — |
| 60 months | 2.75% | — |
Sources (3)
- soundcu.com/open-a-certificate-account
- soundcu.com/personal/certificates
- soundcu.com/certificate-specials
All captured Sep 15, 2026
Certificate
Up to 3.95%APY · 8 terms
Membership with a savings account at Sound Credit Union is required. Anyone who lives or works in WA can join. Compounded and credited monthly. Early withdrawal penalties apply. Unlimited add-on deposits available during the term.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 2.50% | $62 |
| 6 months | 3.40% | $169 |
| 11 monthsPromotional certificate. Limited time offer. At maturity, rolls into a new 12-month certificate. Unlimited add-on deposits not available | 3.95% | $361 |
| 12 months | 3.50% | $350 |
| 24 months | 2.75% | $558 |
| 36 months | 2.65% | $816 |
| 48 months | 2.50% | $1,038 |
| 60 months | 2.50% | $1,314 |
Sources (2)
All captured Sep 15, 2026
Flex Certificate
Up to 2.99%APY · 2 terms
Membership with a savings account at Sound Credit Union is required. Anyone who lives or works in WA can join. One-time rate bump upon request to current Flex Certificate rate. One-time withdrawal allowed during term without reducing balance below $2,500 minimum. Unlimited add-on deposits. Compounded monthly. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 months | 2.99% | $452 |
| 30 months | 2.50% | $637 |
Sources (2)
All captured Sep 15, 2026
Bump Certificate
Up to 2.65%APY · 2 terms
Membership with a savings account at Sound Credit Union is required. Anyone who lives or works in WA can join. One-time rate bump upon request to the current Bump Certificate rate at the same term (not retroactive). Unlimited penalty-free deposits allowed. Compounded monthly. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 36 months | 2.65% | $816 |
| 60 months | 2.50% | $1,314 |
Sources (2)
All captured Sep 15, 2026
Special-purpose accounts
IRA Certificate
Up to 3.50%APY · 5 terms
Membership with a Prime Savings account at Sound Credit Union is required. Anyone who lives or works in WA can join. Compounded and credited monthly. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 3.50% | $350 |
| 18 months | 2.99% | $452 |
| 24 months | 2.75% | $558 |
| 36 months | 2.65% | $816 |
| 60 months | 2.25% | $1,177 |
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.