Credit union · NCUA insured
Sound Credit Union Credit Card Rates
Sound Credit Union credit cards start at 10.70% APR on purchases, after any introductory rate. Rates checked October 15, 2026.
How Sound Credit Union’s credit card rates compare
Compared with banks and credit unions near Seattle, WA, where Sound Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Sound Credit Union
10.70%APR
- Up to
- 21.70% APR
Select Credit Card
Lowest rate
America's Credit Union
8.79%APR
- Up to
- 18.00% APR
2nd-lowest rate
Firefighters First Credit Union
8.99%APR
- Up to
- 16.99% APR
Sound Credit Union credit card score
80
Credit card score
Higher than 54% of U.S. banks and credit unions
- Purchase APRPurchase APR10.70%
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 credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Cash Back Credit Card
Must be a Sound Credit Union member to participate; membership requires a savings account; must be 18 years of age to qualify; subject to credit approval. Rates vary with Prime Rate. Earn 1.5% cash back on qualified purchases. Minimum credit line $5,000.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.70%–22.70% | None | Standard variable APR. Equal to Prime Rate plus a margin of 5.70%-15.70%. Minimum credit line $5,000. |
| Ongoing | 1.99% | None | Promotional 1.99% APR on Visa Balance Transfers made April 1, 2026 – December 31, 2026. Rate applies through June 2027. After that, standard variable APR applies (currently 10.70% – 22.70%). No balance transfer fee. |
Sources (3)
- soundcu.com/personal/credit-cards
- soundcu.com/personal/credit-cards/cash-back
- soundcu.com/rates/personal
All captured Oct 15, 2026
Rewards Credit Card
Must be a Sound Credit Union member to participate; membership requires a savings account; must be 18 years of age to qualify; subject to credit approval. Rates vary with Prime Rate. Earn 1 point per $1 spent.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.70%–22.70% | None | Standard variable APR. Equal to Prime Rate plus a margin of 5.70%-15.70%. |
| Ongoing | 1.99% | None | Promotional 1.99% APR on Visa Balance Transfers made April 1, 2026 – December 31, 2026. Rate applies through June 2027. After that, standard variable APR applies (currently 10.70% – 22.70%). No balance transfer fee. |
Sources (3)
- soundcu.com/personal/credit-cards
- soundcu.com/personal/credit-cards/rewards
- soundcu.com/rates/personal
All captured Oct 15, 2026
Select Credit Card
Must be a Sound Credit Union member; membership requires a savings account; must be 18 years old; subject to credit approval. Rates vary with Prime Rate.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 10.70%–21.70% | None | Standard variable APR. Equal to Prime Rate plus a margin of 3.70%-14.70%. |
| Ongoing | 1.99% | None | Promotional 1.99% APR on Visa Balance Transfers made April 1, 2026 – December 31, 2026. Rate applies through June 2027. After that, standard variable APR applies (currently 10.70% – 22.70%). No balance transfer fee. |
Sources (3)
All captured Oct 15, 2026
Select Secured Credit Card
Secured option to build or re-build credit; requires deposit; $500-$5,000 balances available; must be a Sound Credit Union member to participate; membership requires a savings account; must be 18 years of age to qualify; subject to credit approval. Rates vary with Prime Rate.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 10.70%–21.70% | None | Standard variable APR. Equal to Prime Rate plus a margin of 3.70%-14.70%. Secured deposit of $500 to $5,000 required. |
| Ongoing | 1.99% | None | Promotional 1.99% APR on Visa Balance Transfers made April 1, 2026 – December 31, 2026. Rate applies through June 2027. After that, standard variable APR applies (currently 10.70% – 22.70%). No balance transfer fee. |
Sources (3)
- soundcu.com/personal/credit-cards
- soundcu.com/personal/credit-cards/select-secured
- soundcu.com/rates/personal
All captured Oct 15, 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.